Upload Real-Time Payments

Features of Upload Real-Time Payments via ISO 20022

ISO 20022-Compliant Upload Format
Create and import real-time payment files structured with ISO 20022 messaging. Every uploaded RfP is readable and actionable by participating U.S. financial institutions.

Full RfP Support for FedNow® and RTP®
Each upload triggers a Request for Payment, processed via the most efficient real-time rail—ensuring your customers can pay 24/7.

Alias-Based MID Assignment
Payments are tracked using mobile numbers and email addresses, each assigned a Merchant Identification Number (MID) to enable clean reconciliation across multiple institutions.

Multi-Bank Upload Compatibility
Upload payment files for processing across numerous banks and credit unions. Ideal for nationwide merchants with multiple locations or entities.

Hosted Payment Pages Built into Every RfP
Each RfP includes a hosted payment page link, allowing your customer to click, pay, and confirm instantly via web or mobile.

Downloadable Transaction Reports and Confirmations
Download and track all real-time payment responses, reconciliations, and status updates from a single dashboard.

No In-Person Bank Visits Required
You can upload, process, and track payments from anywhere. As a U.S.-based accounting fintech, we support all merchants online, 24/7.

Why TodayPayments.com Is the Premier Upload Gateway for Real-Time Payments

1. Upload ISO 20022 payment files that trigger RfPs in real time
2. Accept FedNow® and RTP® payments with instant settlement
3. Assign and manage MIDs for over 100 mobile/email aliases
4. Support for all U.S. financial institutions—nationwide coverage
5. No bank branch visits—everything is done securely online
6. Real-time reconciliation and QuickBooks® Online sync
7. Multi-entity, multi-division, and multi-bank support in one dashboard

To create and upload a Real-Time Payments (RTP) Request for Payment (RfP) file into your business bank, follow these steps:

1. File Creation

• File Format: RTP RfP files are typically created in CSV, XML, or ISO 20022 (PAIN .013) format. CSV is simpler and more commonly used for small-scale businesses, while ISO 20022 is often preferred for more structured and internationally standardized communication.
• Required Fields:
  • RequestID: Unique identifier for the payment request.
  • Creditor Name: Name of the company or individual requesting the payment.
  • Creditor Account Number: Bank account information of the requester.
  • Debtor Name: Name of the payer (customer or business).
  • Debtor Account Number: Payer’s bank account details.
  • Amount: Payment amount.
  • Currency: The currency in which the payment is requested (e.g., USD, EUR).
  • Due Date: Date when the payment is due.
  • Payment Reference: Invoice number or reference for the payment.

Example (CSV Format):

RequestID,CreditorName,CreditorAccountNumber,DebtorName,DebtorAccountNumber,Amount,Currency,DueDate,Reference

RFP-12345,Acme Corporation,123456789,Jane Smith,987654321,1500.00,USD,2024-09-14,Invoice Payment Request for Invoice-98765

Example (ISO 20022 XML Format):

xml

<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.013.001.06">

  <RfpMsg>

    <GrpHdr>

      <MsgId>RF123456789</MsgId>

      <CreDtTm>2024-09-14T08:30:00Z</CreDtTm>

    </GrpHdr>

    <Rfp>

      <RfpId>INVOICE-12345</RfpId>

      <PmtInf>

        <PmtMtd>TRF</PmtMtd>

        <Amt>

          <InstdAmt Ccy="USD">1500.00</InstdAmt>

        </Amt>

        <ReqdExctnDt>2024-09-20</ReqdExctnDt>

        <Cdtr>

          <Nm>Acme Corporation</Nm>

          <CdtrAcct>

            <Id>

              <IBAN>123456789</IBAN>

            </Id>

          </CdtrAcct>

        </Cdtr>

        <Dbtr>

          <Nm>Jane Smith</Nm>

          <DbtrAcct>

            <Id>

              <IBAN>987654321</IBAN>

            </DbtrAcct>

        </Dbtr>

        <RmtInf>

          <Ustrd>Invoice Payment - INVOICE-98765</Ustrd>

        </RmtInf>

      </PmtInf>

    </Rfp>

  </RfpMsg>

</Document>

2. Upload the File to Your Bank

• Log into your business bank’s portal: Navigate to the payments or billing section where file uploads are allowed.
• Select the upload option: Choose the option to upload RTP RfP files.
• File Format Validation: Some banks may require specific formatting for RfP files. Ensure your file meets the validation checks (e.g., proper CSV headers or ISO 20022 compliance).
• Upload the file: Once the file is validated, you can upload it for processing.

3. Process the Payment Request

• Review the payment request: After uploading, double-check the amounts, payee, and payer information.
• Submit the request: Once validated, confirm and submit the payment request through the bank's system. Most banks will provide real-time updates on the status of your request.

4. Reconciliation

• After the payment is processed, make sure to reconcile the transactions in your QuickBooks or other accounting software. The integration with tools like SecureQBPlugin ensures that the transactions are reflected automatically.

By following these steps, you can ensure that your Real-Time Payment Requests (RfP) are processed accurately and efficiently through your business bank.

References:

• SecureQBPlugin offers solutions for creating CSV or XML RFP files tailored to real-time payments

Request Real-Time Payments

RequestPaymentFileFormat.

• ISO 20022 and CSV formats are commonly used for RFP messages, especially when integrated with QuickBooks​

Import Real-Time Payments

Real-Time Payment Request.

Upload. Request. Get Paid – All at TodayPayments.com

If you're still waiting days for invoices to be paid, it’s time to switch to real-time. With Upload Real-Time Payments, your business can:

✅ Upload structured RfPs using ISO 20022 formatting
✅ Trigger instant payments through FedNow® and RTP®
✅ Assign secure alias-based MIDs to every payer
✅ Access all U.S. banks with one platform
✅ Automate reconciliation and integrate with QuickBooks®
✅ Enroll and process online—no branch, no paperwork

Start uploading real-time payments today at https://www.TodayPayments.com
Upload Real-Time Payments – Fast, Structured, and Built for Now.