RTP® Online Instant Real-Time Payments: Open Your Merchant Account with Online Approval
Key Benefits of RTP® Online Instant Merchant Accounts
RTP® Online Instant Real-Time Payments: Open Your Merchant Account with Online Approval
The Future of Instant Payments with RTP®
For businesses looking to accept real-time payments, traditional banking processes can be slow, expensive, and restrictive. Small businesses, high-risk merchants, and digital entrepreneurs often struggle with long bank approvals, excessive fees, and unnecessary delays when trying to open a merchant account.
With RTP® Online Instant Real-Time Payments, businesses can now apply for and receive instant approval for an RTP® Merchant Account entirely online—eliminating the need for a physical bank visit. Whether you're in eCommerce, SaaS, subscription services, high-risk industries, or B2B transactions, RTP® provides real-time settlements, no chargebacks, and lower transaction costs to help you grow and scale your business effortlessly.
Apply today with our Online Application and get instant approval for RTP® real-time payments—no waiting, no bank visits, just seamless transactions!
Instant Online Application – No Lengthy Bank Approvals
Ask us How:
- "How to open an RTP® merchant account online instantly without visiting a bank"
- "Why RTP® real-time payments are the best solution for high-risk businesses and digital merchants"
- "The benefits of RTP® Online Instant Real-Time Payments for secure transactions and seamless processing"
- "How businesses can save money by switching from credit card processing to RTP® instant payments"
- "The fastest way to open an RTP® merchant account and accept instant real-time payments"
How RTP® Online Instant Real-Time Payments Work
Open Your RTP® Merchant Account Instantly – No Bank Visit Required
✔ Apply online in minutes—no
paperwork or in-person banking needed
✔ Instant
approvals for SMBs, digital merchants, and high-risk businesses
✔ Start accepting RTP® real-time payments immediately
Accept RTP® Instant Payments for Any Industry – Even High-Risk Merchants
✔ Works for eCommerce, digital
services, SaaS, subscription models, and more
✔ No
chargebacks—RTP® payments are final and non-reversible
✔
Instant settlement—eliminates ACH delays and costly wire transfers
RTP® Payment Request for Faster Transactions
✔ Send instant RTP® payment
requests through our online portal
✔
Customers/vendors approve and send payments instantly
✔
Funds are available 24/7/365—no banking hours required
Key Benefits of RTP® Online Instant Merchant Accounts
1️⃣ Instant Online Application – No Lengthy Bank Approvals
✔ Quick and secure online
sign-up with instant approvals
✔ No need for
in-person verification or banking visits
2️⃣ Real-Time Payment Settlements with RTP®
✔ Eliminates waiting for ACH or
wire transfers—funds settle instantly
✔ Operates
24/7/365—including weekends and holidays
3️⃣ No Chargebacks or Payment Reversals
✔ Payments are final,
eliminating fraud risks and chargeback disputes
✔
Unlike credit cards, there are no rolling reserves or chargeback
fees
4️⃣ Lower Transaction Costs – No High Credit Card Processing Fees
✔ Avoid costly credit card
interchange fees and ACH processing costs
✔
Flat-rate, transparent pricing—no hidden charges
5️⃣ Secure & Compliant for All Business Types – Including High-Risk Merchants
✔ Supports high-risk industries
that banks often reject
✔ Fully compliant with
RTP® security and financial regulations
6️⃣ 24/7/365 Payment Availability – No Banking Hours Needed
✔ Accept payments
anytime—eliminating traditional bank processing delays
✔
Real-time access to funds for better cash flow management
Sales-Driven Conclusion: Open Your RTP® Merchant Account Online with TodayPayments!
Why deal with slow, costly payment processing when you can open an RTP® Merchant Account online instantly? Whether you're a high-risk merchant, eCommerce business, or digital entrepreneur, RTP® real-time payments offer secure, instant transactions without unnecessary fees.
Apply now with TodayPayments and open your RTP® merchant account online—no bank visit required!
Creation Request for Payment Bank File
Enhance Your FedNow Online using Real-Time Payments 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 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 Real-Time 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 Request For Payment payment processing
