What is Same‑Day ACH RfP™? Instant Business Payments from Real‑TimePayments.com
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Start sending real-time invoices, receiving good funds, and reconciling faster than ever — all powered by America’s premier real-time merchant processor.
To empower U.S. businesses—from sole proprietors to enterprises—with secure, automated real-time invoicing via Same‑Day ACH RfP™ infrastructure, delivering instant funds and streamlined reconciliation.
Real‑TimePayments.com is not a bank, but your strategic fintech infrastructure partner—enabling Same‑Day ACH, FedNow®, and RTP® Request‑for‑Payments (RfP™) infrastructure. Our platform features multiple MIDs, alias billing, QR codes, recurring autopay, and A/R aging tools—all designed for real-time operations.
Unlock Payments That Work “Right Now” — Same Day ACH Meets ISO 20022
Gone are the days of waiting for funds to clear. With Same‑Day ACH Request‑for‑Payment (RfP™) combined with ISO 20022 messaging, Real‑TimePayments.com empowers businesses to send invoices that settle the same day—via alias, QR codes, batch files, or QuickBooks® Online integration. Say goodbye to delayed billing, chargebacks, and manual reconciliation.
Ask us How:
1. Same‑Day ACH RfP™ with ISO 20022
allows businesses to request and receive invoice payments
instantly—perfect for subscriptions, emergency billing, and vendor
payments.
2. Integrate with QuickBooks® Online to automate
Same‑Day ACH RfP™ via batch uploads or API, syncing invoice status
and payments in real time.
3. Alias-driven invoicing via
QR codes and pay links lets merchants collect payments securely and
effortlessly, while the platform reconciles aging invoices
automatically.
4. With “Set It & Forget It” recurring
billing, customers authorize debit payments once, and the system
handles collections without further action—transforming A/R
operations.
✅ "FREE" RfP Aging, Same-Day ACH & Real-Time Payments Bank Reconciliation – with all merchants process with us.
Minimum ISO 20022 RfP™ Data Fields
To ensure interoperability and compliance, each RfP™ request must include:
- MsgId – Unique message identifier
- CreDtTm – Timestamp of creation
- NbOfTxs – Transaction count
- CtrlSum – Batch total amount
- PmtInfId – Payment instruction group ID
- Amt – Payment amount
- ReqdExctnDt – Execution date (same day)
- Cdtr/CdtrAcct – Payee details
- Dbtr/DbtrAcct – Payer alias or account info
- PmtMtd – “ACH” methodology
- RmtInf – Invoice number or remittance note
Top 10 Feature‑Rich Reasons to Choose Same‑Day ACH
- Same‑day funds availability—settle invoices by 1 PM, 5 PM, or 6 PM ET
- ISO 20022 RfP™ compliant—structured data for automation
- “Set It & Forget It” recurring autopay—one-time payer approval
- Alias, QR code & hyperlink invoicing—flexible, secure channels
- QuickBooks® Online integration—send, track, and reconcile in-app
- Batch uploads for mass invoicing—ideal for billing cycles
- Multi-MID support—manage multiple divisions or locations
- Good funds guarantee—irrevocable same-day debits
- Built-in A/R tools—monitor aging, returns, and statuses
- U.S.-wide bank and credit union access—covers all 50 states
Same‑Day ACH RfP™ Parameters, Attributes, Benefits & Features
|
Category |
Details |
|
Network |
NACHA Same‑Day ACH |
|
Standards |
ISO 20022 (pain.013/pain.014) |
|
Payment Type |
Debit-pull with same-day settlement |
|
Alias Support |
Email, mobile, token |
|
Access Channels |
API, QR, hyperlink, SMS, QuickBooks® Online |
|
Recurring Billing |
One-time authorization, automatic bill pay |
|
Batch Processing |
CSV/XML upload or scheduled API |
|
Reconciliation |
A/R aging, return codes, automated ledger matching |
|
Settlement |
Funds in account by end-of-day local time |
|
Use Cases |
Utilities, rent, tuition, B2B payments, subscription services |
Same‑Day ACH Clearing Windows
|
Window # |
Submission Deadline (ET) |
Operator Settlement (ET) |
Funds Available to Payee |
|
1 |
10:30 AM |
1:00 PM |
1:30 PM |
|
2 |
2:45 PM |
5:00 PM |
5:00 PM |
|
3 |
4:45 PM |
6:00 PM |
End of day |
These windows enable businesses to send invoice requests up until mid-afternoon and still settle by close-of-business
Conclusion: Activate Same‑Day ACH RfP™ Today!
Stop waiting days for invoices to clear. With Same‑Day ACH RfP™ via Real‑TimePayments.com, you'll enjoy:
✅ Instant, irreversible
settlement
✅ No card fees or manual reconciliation
✅ Recurring billing with one-time authorization
✅ Full ledger sync with QuickBooks®
Online
📈 Ready to go real-time?
Activate your Same‑Day ACH merchant account now:
👉
https://www.Real-TimePayments.com
Get approved in
minutes—send in-hours—and collect same day.
Whether you’re ready to launch FedNow® & RTP® payments or just exploring options, our team is here to answer your questions and guide you toward the best-fit solution.
Call us now: (866) 927-7180
Or… fill out the quick form below and we’ll contact you within 1 business hour.Creation Request for Payment Bank File
Call us, the .csv and or .xml Request for Payment (RfP) file you need while on your 1st phone call! We guarantee our reports work to your Bank and Credit Union. We were years ahead of competitors recognizing the benefits of RequestForPayment.com. We are not a Bank. Our function as a role as an "Accounting System" in Open Banking with Real-Time Payments to work with Billers to create the Request for Payment to upload the Biller's Bank online platform. U.S. Companies need help to learn the RfP message delivering their bank. Today Payments' ISO 20022 Payment Initiation (PAIN .013) shows how to implement Create Real-Time Payments Request for Payment File up front delivering a message from the Creditor (Payee) to it's bank. Most banks (FIs) will deliver the message Import and Batch files for their company depositors for both FedNow and Real-Time Payments (RtP). Once uploaded correctly, the Creditor's (Payee's) bank continues through a "Payment Hub", will be the RtP Hub will be The Clearing House, with messaging to the Debtor's (Payer's) bank.
... 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.
1) Free ISO 20022 Request for Payment File Formats, for FedNow and Real-Time Payments (The Clearing House) .pdf for you manually create "Mandatory" (Mandatory data for completed file) fields, start at page 4, with "yellow" highlighting. $0.0 + No Support
2) We create .csv or .xml formatting using your Bank or Credit Union. Create Multiple Templates. Payer/Customer Routing Transit and Deposit Account Number may be required to import with your bank. You can upload or "key data" into our software for File Creation of "Mandatory" general file.
Fees = $57 monthly, including Support Fees and Batch Fee, Monthly Fee, User Fee, Additional Payment Method on "Hosted Payment Page" (Request for file with an HTML link per transaction to "Hosted Payment Page" with ancillary payment methods of FedNow, RTP, ACH, Cards and many more!) + $.03 per Transaction + 1.5% percentage on gross dollar file,
3) Payer Routing Transit and Deposit Account Number is NOT required to import with your bank. We add your URI for each separate Payer transaction.
Fees Above 2) plus $29 monthly additional QuickBooks Online "QBO" formatting, and "Hosted Payment Page" and WYSIWYG
4) Above 3) plus Create "Total" (over 600 Mandatory, Conditional & Optional fields of all ISO 20022 Pain .013) Price on quote.
Each day, thousands of businesses around the country are turning their transactions into profit with real-time payment solutions like ours.
Contact Us for Request For Payment payment processing
