FedNow RfP File Format
TodayPayments.com is a real-time payments powerhouse—delivering FedNow® and RTP® Request for Payment (RfP) processing using ISO 20022-rich file formats such as Excel, XML, and JSON. From mobile and SMS invoicing to QuickBooks® integrations and alias-based payment security, we help every U.S. merchant—big or small—get paid instantly and reliably.
Understanding FedNow® RfP File Format
FedNow® RfP File Format for Real-Time
Payments with Certainty
The Future of Getting Paid Is
File-Driven, Fast, and Frictionless
In the evolving world of digital commerce,
Request for Payment (RfP) capabilities through FedNow®
are redefining how merchants and service providers collect money. No
more paper checks, no more delayed wires, and no more “maybe later”
payments. Instead, businesses can now send structured RfPs with
real-time payment certainty using ISO 20022, Excel,
XML, or JSON—delivered via mobile, text message,
email, or hosted web page.
With TodayPayments.com, you can generate, manage, and reconcile RfPs instantly—across all 50 states, with support for multiple banks, credit unions, and even alias-based payee IDs.
Request for Payment (RfP) is a smart, secure way to prompt payment from a customer or client using enriched, structured financial messages. The format is built on ISO 20022 standards—allowing you to include key data like:
- Payer alias (email or phone number)
- Invoice reference number
- Payment amount and due date
- URL to a Hosted Payment Page
- Payee identity and reconciliation tags
RfP files can be formatted as:
- Excel (.xlsx) – Batch upload-friendly for small businesses
- XML – FedNow® and RTP® system compatible
- JSON – Ideal for developers and API integrations
When sent, the payer receives a link (via SMS, email, or mobile app) to authorize and complete the transaction using FedNow®, RTP®, or ACH rails—with Good Funds status confirmed immediately.
Key Features and Benefits of Using TodayPayments.com
Delivering RfPs Across Mobile, Email & Digital Invoices
With TodayPayments.com, FedNow® RfPs are distributed through:
- Text Message (SMS) – Direct, actionable links
- Email Invoices – Embedded links or PDF attachments
- Hosted Payment Pages – Personalized URLs branded to your business
- QR Codes – Great for POS or printed invoices
These delivery options offer a seamless customer experience while meeting compliance and ISO 20022 data structure guidelines. Best of all, payment confirmation is instant—no more waiting, guessing, or checking your account manually.
Why choose TodayPayments.com to power your FedNow® RfP File Format?
- Free FedNow® & RTP® Application – No sign-up fees
- Instant setup across multiple banks and aliases
- Integration with QuickBooks® QBO
- Support for high-risk, bad-credit, and nontraditional merchants
- Hosted Payment Pages with real-time confirmation
- Bank reconciliation tools your CFO will love
- Support for over 100+ aliases—each with its own MID
- Mobile, web, text, email, and MOTO invoicing support
- Batch upload/download of RfPs with Excel or XML
- Real-time settlement and cash flow tracking
- Payee-initiated billing using phone or email alias identifiers
These features make TodayPayments.com the go-to processor for merchants, bookkeepers, and enterprises looking to take full advantage of real-time payment rails with certainty and speed.
Creating a FedNow Request for Payment file format on a bank's dashboard involves designing a user-friendly interface that allows bank users to enter or import the required information and generate a properly formatted file for submission to the FedNow system. Here's a general outline of how the file format creation process might work on a bank's dashboard:
- User Interface Design:
- Create a user interface within the bank's dashboard where users can initiate the creation of FedNow Request for Payment files.
- Design input fields, dropdowns, and checkboxes to capture all necessary information for the request. This might include payment details, payer and payee information, payment purpose, and any attachments.
- Data Collection:
- Allow users to enter or select data into the input fields based on the FedNow Request for Payment specifications.
- Validate the entered data to ensure accuracy and compliance with formatting requirements.
- Attachments:
- Provide an option for users to upload attachments, such as invoices or contracts, if required by the FedNow system.
- File Generation:
- Once all necessary data is collected, allow users to initiate the generation of the FedNow Request for Payment file.
- Convert the collected data into the required format, which might be CSV, XML, or another specified format.
- Review and Confirmation:
- Display a summary of the entered information for users to review before generating the file.
- Allow users to confirm the accuracy of the data and proceed to file generation.
- File Download:
- After the file is generated, provide a download link to the user.
- Allow the user to save the generated file to their local system.
- Audit Trail:
- Maintain a record of the generated files and related transactions for auditing purposes.
- Error Handling:
- Implement error handling mechanisms to guide users in case of missing or incorrect information.
- Integration:
- If the bank's dashboard integrates with the FedNow system or any third-party systems, ensure that the generated file adheres to their technical requirements and guidelines.
Remember, the exact implementation and design details will depend on the bank's specific dashboard infrastructure, the FedNow Request for Payment specifications, and any integrations that might be involved. It's crucial to work closely with the bank's development team, compliance officers, and any third-party providers to ensure that the created file format meets all technical, security, and regulatory standards.
You should refer to the most recent FedNow documentation and work closely with the relevant technical resources for the most accurate guidance on implementing the FedNow Request for Payment file format on your bank's dashboard.
Power Your Real-Time RfP Engine with TodayPayments.com
There’s no better time to modernize your payment system than right now. With FedNow® and RTP® RfP capabilities supported by TodayPayments.com, you gain access to:
✅ Instant RfP generation and
delivery
✅ Hosted payment pages with real-time
tracking
✅ Batch uploading with Excel, XML, and
JSON
✅ Support for high-risk, multi-alias, and
multi-state merchants
✅ Seamless integration with
QuickBooks® Online
✅ 24/7 enrollment—no
bank visit required
Stop waiting for payments. Start getting paid in real-time.
👉 Visit TodayPayments.com to enroll instantly and begin processing FedNow® RfP files with mobile, text, and email delivery—all from one secure, easy-to-use dashboard.
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" with Real-Time Payments to work with Billers / Payees 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", 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 or Nickname, Alias 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% percentage on gross dollar file,
3) We add a URI for each separate Payer transaction. Using URI, per transaction, will identify and reconcile your Accounts Receivable.
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.
Start using our Bank Reconciliation and Aging of Request for Payments:
Dynamic integrated with FedNow & Real-Time Payments (RtP) Bank Reconciliation: Accrual / Cash / QBO - Undeposited Funds
Contact Us for Request For Payment payment processing
