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Same-Day ACH RfP™ — Real-Time Invoicing for Instant Business Payments

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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.

Upgrade to Same-Day Settlement and Instant Invoicing

Business doesn’t wait—neither should your payments. With Same-Day ACH Request-for-Payment (RfP™), powered by Real-TimePayments.com, businesses can send ISO 20022-compliant digital and paper invoices through QuickBooks® Online or API, and get paid with certainty the same day. Whether you’re billing via QR codes, email aliases, or paper mail, your cash flow accelerates—irrevocably and reliably.Same-Day ACH

Our mission is to deliver same-day invoice settlement to American businesses by enabling secure, structured, and automated Request-for-Payment (RfP™) solutions via NACHA®, FedNow®, and RTP® rails—empowering merchants with faster funds, simpler reconciliation, and real-time certainty.Same-Day ACH

Real-TimePayments.com is a full-stack, real-time payments facilitator—not a bank. We deliver Same-Day ACH RfP™ merchant processing with multi-bank MID infrastructure, alias billing, recurring autopay, QuickBooks® integrations, and ISO 20022-compliant invoicing tools. Whether you send one invoice or 10,000, we help you get paid right now.Same-Day ACH

QuickBooks Pro Software QuickBooks Accounting Software Image
  • ~ Automate Account Receivable Collection
  • ~ Automate Account Payable Payments
  • ~ One-time and Recurring Debits / Credits

Secure QB Plugin payment processing through QuickBooks ® specializes in the origination of moving money electronically.

Top 10 Feature-Rich Reasons to Choose Same-Day ACH

  1. Instant good funds by end of business daySame-Day ACH
  2. Compatible with ISO 20022 RfP™ messaging standardsSame-Day ACH
  3. Fully integrated with QBO QuickBooks® OnlineSame-Day ACH
  4. QR code and alias-based digital invoicingSame-Day ACH
  5. “Set It and Forget It” recurring autopay supportSame-Day ACH
  6. Batch invoicing via API or CSV/XML uploadsSame-Day ACH
  7. Automatic return code resolution and A/R agingSame-Day ACH
  8. Works for both B2B and C2B billingSame-Day ACH
  9. Irrevocable debit-settlement — zero chargebacksSame-Day ACH
  10. Nationwide coverage with multi-MID setupSame-Day ACH

Request-for-Payments (RfP™): Parameters, Attributes, Benefits, and FeaturesSame-Day ACH

CategorySame-Day ACH

DescriptionSame-Day ACH

NetworkSame-Day ACH

NACHA Same-Day ACHSame-Day ACH

Settlement SpeedSame-Day ACH

Same-day (3 cutoff windows)Same-Day ACH

Message FormatSame-Day ACH

ISO 20022 RfP™ pain.013/pain.014Same-Day ACH

ChannelsSame-Day ACH

Alias, email, QR, SMS, paper mail, QBOSame-Day ACH

Payer ApprovalSame-Day ACH

One-time standing authorizationSame-Day ACH

Batch SupportSame-Day ACH

Yes – file-based and APISame-Day ACH

ReconciliationSame-Day ACH

Automated aging, return resolutionSame-Day ACH

SecuritySame-Day ACH

No chargebacks, data encryptionSame-Day ACH

Use CasesSame-Day ACH

Subscriptions, rent, tuition, invoice-to-cashSame-Day ACH

Same-Day ACH Clearing Windows TableSame-Day ACH

Cutoff WindowSame-Day ACH

Submission Deadline (ET)Same-Day ACH

Funds AvailableSame-Day ACH

Processing CapSame-Day ACH

Window 1Same-Day ACH

10:30 AMSame-Day ACH

By 1:00 PMSame-Day ACH

UnlimitedSame-Day ACH

Window 2Same-Day ACH

2:45 PMSame-Day ACH

By 5:00 PMSame-Day ACH

UnlimitedSame-Day ACH

Window 3Same-Day ACH

4:45 PMSame-Day ACH

By 6:00 PMSame-Day ACH

Extended hoursSame-Day ACH

Businesses can leverage any of these windows to ensure their invoices settle within hours of submission—ideal for urgent or late-day billing cycles.Same-Day ACH

Ask us How:Same-Day ACH

1. Same-Day ACH RfP™ integrated into QuickBooks® Online allows merchants to instantly issue invoices and collect payments the same day—whether in batch format or real-time, ensuring fast cash flow and full automation.Same-Day ACH

2. Businesses using Same-Day ACH for recurring autopay can eliminate late payments by letting customers authorize a standing approval to debit future RfPs without repeated manual consent.Same-Day ACH

3. With Real-TimePayments.com’s alias and QR-code invoicing tools, merchants can send compliant ISO 20022 invoices through SMS, email, or paper, and still reconcile everything inside their QuickBooks® ledger.Same-Day ACH

4. Same-Day ACH RfP™ helps eliminate chargebacks, provides immediate settlement, and streamlines multi-entity reconciliation using unique MIDs for each business division.Same-Day ACH

Minimum ISO 20022 Request-for-Payment Data FieldsSame-Day ACH

To comply with ISO 20022 minimum requirements for an RfP™, the following fields are necessary:Same-Day ACH

  • <MsgId> — Unique message IDSame-Day ACH
  • <CreDtTm> — Creation date/timeSame-Day ACH
  • <NbOfTxs> — Number of transactionsSame-Day ACH
  • <CtrlSum> — Control sum (total amount)Same-Day ACH
  • <PmtInfId> — Payment information group IDSame-Day ACH
  • <ReqdExctnDt> — Required execution dateSame-Day ACH
  • <Cdtr> / <CdtrAcct> — Payee infoSame-Day ACH
  • <Dbtr> / <DbtrAcct> — Debtor info (can be alias)Same-Day ACH
  • <PmtMtd> — “ACH” methodSame-Day ACH
  • <RmtInf> — Remittance or invoice numberSame-Day ACH

Conclusion: Upgrade to Same-Day ACH RfP™ NowSame-Day ACH

Don’t let payments lag behind your operations. With Same-Day ACH RfP™ from Real-TimePayments.com, you get:Same-Day ACH

  • Instant good fundsSame-Day ACH
  • Batch and recurring billingSame-Day ACH
  • Alias-based invoicingSame-Day ACH
  • Built-in QuickBooks® Online integrationSame-Day ACH
  • QR-code & hyperlink payment optionsSame-Day ACH
  • Nationwide bank and credit union coverageSame-Day ACH

Whether you’re billing face-to-face, sending digital invoices, or managing batch receivables, your business deserves to get paid right now.Same-Day ACH

👉 Ready to activate? Visit https://www.Real-TimePayments.com
“Same-DayACH.com” powered by Real-TimePayments.com.Same-Day ACH


Speak With a Real-Time Payment Specialist Now

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.
Request for Payment

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) show how to implement Create Real-Time Payments Request for Payment File up front delivering 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 continuing through a "Payment Hub", will be the RtP Hub will be The Clearing House, with messaging to the Debtor's (Payer's) bank.

Our in-house QuickBooks payments experts are standing ready to help you make an informed decision to move your company's payment processing forward.

Pricing with our Request For Payment Professionals
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 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.

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