Real-Time Check Payments Using FedNow® & RTP® for Modern Banking & Ecommerce
To modernize the legacy check process by delivering secure, real-time check functionality through FedNow® and RTP®, integrated into invoicing platforms, banking apps, ecommerce sites, and digital payment gateways.
TodayPayments.com empowers businesses with Real-Time Check capabilities—offering the speed of digital payments with the usability of checks. Through hosted RfP™ pages, SMS delivery, file upload automation, and QuickBooks® QBO sync, our platform provides certainty, flexibility, and full payment control over FedNow® and RTP® rails.
Implementing Real-Time Check Feature s to Streamline Invoicing, Texting & File Uploads
Introducing Real-Time Check—Modern Payments with Classic Simplicity
The traditional check is evolving. In a fast-moving digital economy, businesses can no longer afford delays, manual deposits, or overnight processing. That’s why Real-Time Check capabilities—enabled by FedNow® and RTP® payment rails—are reshaping how payments are issued and received.
By integrating Real-Time Check features into banking portals, ecommerce platforms, shopping carts, and payment gateways, businesses unlock instant, frictionless payment flows. Combined with invoicing, SMS notifications, ISO 20022 file uploads, and QuickBooks® QBO integration, this approach blends the familiarity of checks with the speed of real-time digital payments.
Real-Time Check solutions allow businesses to mimic the behavior of traditional checks—such as issuing, endorsing, and depositing—while using FedNow® and RTP® to transfer Good Funds instantly. This modernized check workflow supports POS, MOTO, and ecommerce use cases, with real-time confirmation, secure mobile delivery, and full reconciliation.
Hosted Request for Payment (RfP™) pages serve as digital destinations for Payers to approve the transaction, while ISO 20022-compliant file uploads allow mass check replacement at scale.
Real-Time Check Parameters, Attributes, Benefits & Features
Core Capabilities of Real-Time Check via RTP® and FedNow®
|
Parameter |
Description |
|
Payment Rails |
RTP®, FedNow® |
|
Check-Like Behavior |
Issue, authorize, approve, deposit digitally |
|
Settlement Time |
Under 10 seconds—24/7/365 |
|
Transaction Types |
A2A, B2B, C2B (Recurring or One-Time) |
|
Batch File Upload Support |
ISO 20022 (.XML, JSON, Excel) |
|
Text/SMS Notifications |
Real-time alerts & payment links |
|
Hosted Payment Pages (RfP™) |
Mobile-optimized & secure |
|
QBO/ERP Integration |
Automated ledger posting & reconciliation |
|
Security Protocols |
PCI-DSS, Alias-Based MID Assignment |
|
Customer Control |
Payers authorize payment on their own schedule |
Features
1. Digitally Issue Real-Time Checks with Immediate Settlement
Businesses can send check-like payment authorizations to customers or partners via Request for Payment (RfP™) pages—delivered through email, text, or embedded in ecommerce checkout experiences.
2. Instant SMS and Text Message Delivery for Real-Time Check Links
Send Real-Time Check notifications via SMS, allowing recipients to approve payment on-the-go. Each link directs users to a secure, branded hosted page for immediate authorization.
3. Batch Uploads Using ISO 20022 for Enterprise-Level Disbursements
Upload thousands of Real-Time Check transactions in one step using Excel, .XML, or .JSON formats to reach any bank or credit union nationwide.
4. Invoicing Integration Across Shopping Carts, ERPs, and Gateways
Integrate Real-Time Check approval workflows into ecommerce shopping carts, hosted invoice platforms, or payment gateways using flexible APIs.
5. QuickBooks® QBO & Accounting Software Sync
Instantly reconcile every check-style transaction to QuickBooks® QBO or your ERP—reducing manual effort and ensuring audit-ready accuracy.
Ask us How:
- Real-Time Check functionality enables businesses to modernize payments by sending digital check links through FedNow® and RTP®—delivered via SMS, email, or API.
- Ecommerce websites, payment gateways, and banks can offer customers Real-Time Check capabilities integrated directly into their invoicing or shopping experiences.
- Batch upload tools using ISO 20022 formats allow bulk payment distribution that settles in real-time, replacing legacy paper checks at scale.
- QuickBooks® QBO integration ensures that every Real-Time Check issued and received is instantly logged and reconciled—no manual bookkeeping needed.
- TodayPayments.com supports secure, PCI-compliant hosted RfP™ pages so customers can approve and complete payments from any device, anytime.
Why Businesses Choose TodayPayments.com for Real-Time Check Capabilities
- ✅ Issue real-time check-like payments with settlement in seconds
- ✅ Replace paper checks with hosted RfP™ + ISO 20022 batch files
- ✅ Deliver secure payment links via SMS, QR, or email
- ✅ Integrate into ecommerce carts, gateways, and bank apps
- ✅ Eliminate check fraud and chargebacks
- ✅ Provide customer flexibility with payer-controlled authorization
- ✅ Reconcile instantly with QuickBooks® QBO or your ERP
- ✅ Alias-based MID tracking for departments or locations
- ✅ Fully mobile and PCI-compliant hosted payment pages
- ✅ Activate and onboard online—no contracts, no hardware
Implementing real-time check capabilities, invoicing, texting, and file upload features in banking, ecommerce websites, shopping carts, and gateways can greatly enhance user experience and streamline processes. Here's how each feature can be beneficial in these contexts:
- Real-Time Check for Mobile:
- Enables customers to deposit checks remotely using their mobile devices.
- Provides convenience, saving customers time and effort by eliminating the need to visit a physical bank branch.
- Enhances accessibility, allowing customers to deposit checks anytime, anywhere.
- Improves efficiency for businesses by accelerating the check deposit process and reducing administrative overhead.
- Invoicing:
- Enables businesses to create and send invoices digitally to customers.
- Facilitates faster payments by providing clear payment instructions and links to payment gateways.
- Allows for customization of invoices with company branding and itemized details.
- Streamlines accounting processes by automatically tracking invoices and payments.
- Texting:
- Enables businesses to communicate with customers via SMS for various purposes such as order updates, account alerts, and marketing promotions.
- Provides a direct and immediate communication channel with customers, increasing engagement and responsiveness.
- Allows for personalized interactions based on customer preferences and transaction history.
- Can be integrated with other systems to automate messages and responses, enhancing efficiency.
- File Upload Creation:
- Allows users to securely upload documents, images, or files related to transactions or account management.
- Streamlines processes such as account opening, loan applications, or document submission by providing a convenient digital channel.
- Enhances security by facilitating encrypted file transfers and document storage.
- Improves compliance by ensuring that necessary documents are submitted accurately and promptly.
Integrating these features into banking platforms, ecommerce websites, shopping carts, and gateways requires robust infrastructure, secure data handling mechanisms, and seamless integration with existing systems. Additionally, ensuring compliance with regulatory requirements such as data protection and financial regulations is essential to maintain trust and security for users.
Modernize your payments. Replace checks with real-time certainty.
With TodayPayments.com, your business can issue Real-Time Checks that settle instantly over FedNow® and RTP®. Whether you're disbursing payouts, collecting payments, or offering flexible ecommerce checkouts, you can now do it in seconds—not days.
✅ Hosted RfP™ for secure check-style
approvals
✅ SMS delivery + ISO 20022 file upload
automation
✅ QBO sync for seamless accounting
✅ Mobile-ready, customer-friendly payment flows
✅ No bank holds, no paper trails, no delays
👉 Visit
TodayPayments.com to activate Real-Time Check solutions
for your business today.
It's the check—but faster, safer, and
smarter.
Features & Benefits
FedNow instant payments has benefits for all parties involved in
Financial Transactions.
Benefits to your company include:
Money Transfer: Current limit of $1,000,000+ ~ FedNow, $10,000,000+ ~ RTP.
It's Final: All RTP and Instant Payments are Final & Irrevocable.
It's Fast: 24/7/365 access to funds anytime vs.
several days for paper checks or ACH transfers to process.
Request for Payments ( RfP ™): Mobile & Online Real-Time Bill Payments.
Software Integration: Integrate your A/R & A/P Management
or Enterprise software with us.
Message Detail: Full 145 characters available
using ISO 20022 messaging XML format.
Online Down Payments: Don't use inconvenient
and expensive Wires & Cashier's Checks.
Online Real-Time Reporting: Configured
Dashboard with Virtual Terminal login.
Reduced calls / emails in the "Purchasing Chain": All
parties to a instant payment transaction receive immediately
text & email messaging.
The
FedNow and RTP Systems enables Participants to initiate credit transfers,
receive final and irrevocable settlement for credit transfers,
and make available to Receivers funds associated with such
credit transfers in real-time, twenty-four (24) hours a day,
seven (7) days a week, fifty-two (52) weeks a year. All instant payments are "Credit
Push" instead of "Debit Pull."
Creation Request for Payment Bank File
Call us, the .csv and or .xml FedNow or 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 .csv or .xml data for completed ISO 20022 file) fields, start at page 4, with "yellow" highlighting. $0.0 + No Support
2) We create .csv or .xml formatting files using your Bank or Credit Union. Using your invoice information database to create an existing Accounts Receivable file, we CLEAN, FORMAT to FEDNOW or Real-Time Payments into CSV or XML. Create Multiple Templates. You can upload or "key data" into our software for File Creation of "Mandatory" general file. Use either the Routing Number and Account Number for your Customers or use "Alias" name via Mobile Cell Phone and / or Email address.
Fees = $57 monthly, including Activation, Support Fees and Batch Fee, Monthly Fee, User Fee. We add your URI for each separate Payer transaction for additional Payment Methods 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) Add integrating QuickBooks Online "QBO" using FedNow Real-time Payment using our Real-Time Check system.
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 Real-time Payments processing
