RTP® Real-Time Payments with Irrevocable Finality Across A2A, B2B, B2C, C2B
To enable businesses and consumers to
exchange funds securely and instantly using RTP® with irrevocable
finality, eliminating chargebacks and ensuring seamless integration with
QuickBooks® and Elavon payment infrastructure.
TodayPayments.com is the
fintech-forward platform redefining payment reliability through RTP®
with final, irrevocable settlement. We equip businesses with tools
to authorize payments across all channels—mobile, in-store, or online,
powered by QuickBooks® QBO accounting and Elavon’s trusted
gateways. We stand for one thing: good funds, guaranteed.
What Is RTP® with Irrevocable Certainty—and Why It Matters
End Payment Uncertainty with RTP® and Irrevocable Final Settlement—No Chargebacks, No Delays
In
today’s fast-paced commerce environment, businesses can’t afford
settlement delays, payment disputes, or revenue lost to chargebacks.
Real-Time Payments (RTP®) offer a solution with
irrevocable certainty—ensuring good funds are delivered
instantly and cannot be revoked. Whether you’re processing A2A,
B2B, B2C, or C2B transactions, RTP® delivers secure,
real-time settlement across all payment flows. Backed by
Elavon’s omnichannel gateway and QuickBooks® integration,
this infrastructure gives your business powerful tools to authorize,
collect, and reconcile final payments without risk.
RTP® ensures instant, non-reversible payment
delivery between financial institutions. With irrevocable
settlement, businesses no longer deal with revocations,
authorization holds, or chargebacks. Payments are settled within
seconds and are final.
- Ask us How:
“Real-Time Payments RTP® to receive and pay A2A, B2B, B2C, and C2B with irrevocable finality ensures secure, real-time transactions without chargebacks or reversals—eliminating fraud, delays, and authorization uncertainty for every payment type.”
QuickBooks® QBO Integration for Automated Receivables
Our QBO integration automates
receivables by syncing RTP® transactions directly into your
accounting system. Reconciliation, reporting, and receivable
tracking occur in real time—no manual intervention needed.
- Ask us How:
“QuickBooks® Online integration with RTP® ensures that every non-reversible payment is automatically recorded and reconciled in real time, giving businesses precise control over accounts receivable and cash flow.”
Elavon Gateway: Flexible Payment
Authorization Anywhere
✅ In-Person Payments –
Elavon POS Systems
Elavon’s secure terminals accept chip,
swipe, mobile-wallet, and tap-to-pay payments—all supported
for RTP® settlement through integrated workflows.
- Ask us How:
“Elavon’s in-store POS systems allow merchants to initiate RTP® payments on location with instant, irrevocable settlement and zero chargeback risk.”
✅ Online Payments –
Hosted Checkout & Shopping Cart Integration
Elavon’s PCI-compliant hosted checkout
integrates with platforms like WooCommerce, BigCommerce, and
Shopify. Supports RfP (Request for Payment) through ISO
20022.
- Ask us How:
“Elavon’s online gateway supports ISO 20022 RfP-based RTP® payment requests, enabling merchants to collect final, non-reversible payments through secure, branded checkout experiences.”
✅ Mobile Payments –
Elavon MobileMerchant
Authorize and accept RTP® payments in
the field using mobile devices. Funds settle in seconds with
full QuickBooks® sync.
- Ask us How:
“Elavon’s mobile payment app allows remote workers and mobile service teams to accept RTP® transactions with irrevocable settlement from any device—instantly and securely.”
RTP® PARAMETERS, ATTRIBUTES,
BENEFITS & FEATURES
|
Category |
Details |
|
Settlement Speed |
Real-time (less than 10
seconds) |
|
Finality |
Irrevocable – No revocation, no
chargebacks |
|
Transaction Types |
A2A, B2B, B2C, C2B |
|
Integration |
|
|
Gateway Infrastructure |
Elavon – Hosted checkout,
mobile, in-store POS |
|
Security |
PCI-DSS, ISO 20022, tokenized
transactions |
|
RfP Messaging Support |
Yes – ISO 20022 digital
invoicing |
|
Shopping Cart Support |
WooCommerce, Shopify,
BigCommerce, Magento |
|
Batch Upload |
Excel, XML, JSON file formats |
|
Use Cases |
Recurring billing,
subscriptions, disbursements, payroll, high-risk
processing |
Ask us How:
1. Receive Irrevocable RTP® Payments
Without Chargebacks
“With RTP® final payment
processing, your business receives irrevocable good funds in
seconds. No delays, no reversals, and no disputes—just
guaranteed settlement across A2A, B2B, B2C, and C2B use
cases.”
2. Automate RTP® Receivables with
QuickBooks® QBO
“Real-time payment data flows
directly into QuickBooks® Online, enabling automated
reconciliation and up-to-date receivables tracking—ideal for
businesses managing high-volume or recurring payments.”
3. Authorize Payments Anywhere with
Elavon
“Elavon’s omnichannel gateway gives you the
power to accept RTP® payments online, in-store, and via
mobile—all with full ISO 20022 support, instant
authorization, and guaranteed finality.”
Real-Time Certainty Starts Here—With
RTP® and TodayPayments.com
Don’t let fraud,
reversals, or chargebacks compromise your cash flow. With
TodayPayments.com, you can activate a payment system
that delivers irrevocable, real-time RTP® transactions—fully
integrated with QuickBooks® Online and supported by
Elavon’s omni-ready gateway.
✅ Secure payments across
A2A, B2B, B2C, and C2B
✅ Instant,
irrevocable settlement with no chargebacks
✅
Full integration with QuickBooks® QBO
✅ Elavon-powered checkout for online, in-store, and
mobile
✅ Batch ISO 20022 uploads, API
support, and RfP invoicing
Get paid faster. Keep every penny.
Never deal with a chargeback again.
Visit
https://www.TodayPayments.com now to activate your
RTP® gateway with irrevocable final payment certainty.
Creation Request for Payment Bank File
Enhance Your Irrevocable Final FedNow® Recurring Payments Payment Requests with FedNow’s ISO 20022 Messaging
Streamline Payments with Advanced Request for Payment Options:
Harness the power of FedNow's Request for Payment system to transform how you manage invoices and remittances. Our platform supports diverse data integration options, allowing payees to incorporate detailed invoice data directly within the RfP message or link to a comprehensive Merchant Page.
Flexible Invoice Details with ISO 20022 Messaging:
Leverage the flexibility of ISO 20022 messaging standards in our RfP system. You can choose to display crucial payment details directly in the message with a concise 140-character description, or through a dynamic "Hyper-Link" leading to a detailed Merchant Page. This Merchant Page can be hosted either on your website "Your Website" - Hosted Payments Page or TodayPayments.com/HostedPaymentPage.html through our seamless integration solution.
Customizable Merchant Pages for Enhanced Customer Experience:
Create a Merchant Page that not only details all the MIDs you own but also presents these options attractively to your customers through the RfP. This customization ensures that whether your payer opts for Real-Time Payment, Same-Day ACH, or Card transactions, they can easily navigate and complete their payments through a simple click on the hyperlink provided on your Merchant Page.
Call us today and receive the .csv or .xml FedNow® or Request for Payment (RfP) file you need—all during your very first phone call! We guarantee that our comprehensive reports integrate flawlessly with your bank or credit union. As pioneers in recognizing the benefits of RequestForPayment.com, we have stayed years ahead of our competitors. Although we are not a bank, our role as an "Accounting System" within the Open Banking ecosystem enables us to work with billers to create effective RfP files that seamlessly upload to the biller's online banking platform. U.S. companies rely on our expertise to learn how to deliver the RfP message directly to their bank with precision.
Our advanced solution, Today Payments' ISO 20022 Payment Initiation (PAIN.013), demonstrates how to create a Real-Time Payments Request for Payment file that sends a clear message from the creditor (payee) to its bank. Most financial institutions support the import of messaging and batch files for both FedNow® and Real-Time Payments (RtP), ensuring smooth processing. Once the file is correctly uploaded, the creditor’s bank processes the payment through a secure "Payment Hub"—with The Clearing House serving as the RtP Hub—and relays the message to the debtor's (payer's) bank. This streamlined approach not only accelerates transaction processing but also enhances transparency and reliability for all parties involved.
... easily create Instant Payments RfP files. No risk. Test with your bank and delete "test" files before APPROVAL on your Bank's Online Payments Platform. Today Payments is a leader in the evolution of immediate payments. We were years ahead of competitors recognizing the benefits of
Same-Day ACH and Real-Time Payments funding. Our business clients receive faster availability of funds on deposited items and instant notification of items presented for deposit all based on real-time activity. Dedicated to providing superior customer service and industry-leading technology.
Contact Us for Irrevocable Final FedNow® Recurring Payments payment processing pricing
