Budget RTP® Real-Time Payments: Affordable Payment Processing for Small and Medium Merchants
Accept Budget-Friendly RTP® Payments with TodayPayments!
Budget RTP® Real-Time Payments: Affordable Payment Processing for Small and Medium Merchants
Instant Real-Time Payments Without High Banking Costs
For small and medium-sized merchants, managing cash flow effectively means getting paid instantly without high transaction fees. Traditional payment methods—such as credit cards, ACH transfers, and wire payments—come with processing delays, costly fees, and chargeback risks that eat into profits.
With Budget RTP® Real-Time Payments, merchants can send and receive instant payments while keeping costs low. We are not a bank, but we offer a budget-friendly RTP® (Real-Time Payments) solution that gives businesses a fast, secure, and affordable way to process transactions 24/7/365.
If your business is looking for a real-time payment system that fits within your budget, Budget RTP® is the answer!
Lower Transaction Costs – No High Credit Card or ACH Fees
How Budget RTP® Real-Time Payments Work for Small and Medium Merchants
���� Real-Time Payments Without High Banking Fees
✔ Receive payments instantly,
24/7/365—no processing delays
✔ No more waiting
for ACH or credit card settlements
✔ Instant
access to funds, improving business cash flow
���� Affordable Payment Processing That Fits Your Budget
✔ Lower costs than credit card
processing and ACH transactions
✔ No chargebacks
or reversals, protecting your revenue
✔ Fixed,
transparent pricing with no hidden fees
���� Designed for Small and Medium Businesses
✔ No need for a traditional bank
account to process RTP® payments
✔ Works for B2B,
C2B, and B2C transactions, allowing seamless payment acceptance
✔ Compatible with QuickBooks®, eCommerce platforms,
and POS systems
Ask us How:
- "How Budget RTP® Real-Time Payments provide instant payments for small businesses"
- "Why Budget RTP® is the best low-cost alternative to credit card processing for merchants"
- "The benefits of RTP® real-time payments over ACH and wire transfers for small businesses"
- "How merchants can reduce transaction fees and increase cash flow with Budget RTP®"
- "The best RTP® real-time payment solution for small and medium-sized businesses"
Key Benefits of Budget RTP® Real-Time Payments for Small Businesses
1️⃣ Instant Payment Settlements with Guaranteed Good Funds
✔ No waiting for transactions to
process—payments are final and instantly available
✔
No pending transactions or bank cut-off times
2️⃣ Lower Transaction Costs – No High Credit Card or ACH Fees
✔ No interchange fees, saving
merchants thousands on processing costs
✔ More
affordable than traditional banking payment gateways
3️⃣ No Chargebacks or Payment Disputes
✔ Unlike credit cards, RTP®
payments are final and cannot be reversed
✔
Eliminates chargeback fees, fraud risks, and disputed transactions
4️⃣ 24/7/365 Payment Availability – No Bank Processing Delays
✔ Payments process instantly,
even on weekends and holidays
✔ Gives merchants
full control over their financial transactions
5️⃣ Seamless Integration with Business Tools
✔ Budget-friendly RTP®
integration, customized for small businesses
✔
Compatible with invoicing, eCommerce, and accounting software like
QuickBooks®
6️⃣ Ideal for B2B, C2B, and B2C Transactions
✔ B2B: Get paid faster
for invoices and supplier payments
✔ C2B:
Customers can pay businesses instantly without extra processing
fees
✔ B2C: Businesses can process
payroll, refunds, and payouts instantly
Accept Budget-Friendly RTP® Payments with TodayPayments!
Why keep using slow, expensive payment methods when you can accept real-time payments with Budget RTP®?
���� No bank required—just fast, secure, and affordable real-time payments!
Sign up with
TodayPayments and start accepting RTP® payments that
work within your budget today!
Creation Request for Payment Bank File
Enhance Your Budget FedNow 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
