Multiple Banks RTP

Biller's login - Hosted Payments Page
Real-Time Payments Gateway


Consolidate Your RTP® Bank Depository Account – Simplify Real-Time Payments

Why Choose TodayPayments.com for RTP® Consolidation?

Consolidated RTP® Bank Depository Account – Simplify Your Real-Time Payments

Managing multiple RTP® (Real-Time Payments) accounts across various financial institutions can be a challenge for businesses, leading to complicated transactions, delayed reconciliations, and inefficiencies in cash flow management.

With TodayPayments.com, businesses can consolidate RTP® bank depository accounts instead of maintaining multiple RTP® accounts across numerous financial institutions. This streamlined approach enhances efficiency, reduces processing costs, and provides better financial control over real-time payments. Whether you operate multiple divisions, subsidiaries, or high-volume transactions, our RTP® Consolidation Solution ensures faster settlements, improved security, and better treasury management.

How to Transition to a Single RTP® Bank Depository Account for your business using instant payments

Text Mobile Request for Real-Time Payment

Why Choose TodayPayments.com for RTP® Consolidation?

1. Consolidate Multiple RTP® Accounts into One Bank Depository

  • Eliminate the need for multiple RTP® accounts across various banks and credit unions.
  • Reduce reconciliation efforts by consolidating all incoming and outgoing RTP® payments into one account.
  • Faster payment settlements and better cash flow management.

2. Secure & Flexible RTP® Payment Processing

  • Alias-Based Transactions – Use mobile phone numbers or email addresses instead of full banking details for enhanced security.
  • Multiple Merchant Identification Numbers (MIDs) – Assign unique MIDs for different business units while keeping all transactions consolidated.
  • Accept payments from various financial institutions, while keeping funds deposited in a single RTP® account.

3. Business-Friendly RTP® Payment Processing for All Merchant Types

  • Accept RTP® payments from POS, retail, wholesale, MOTO, text, mobile, email, and SMS invoicing.
  • Available for Sole Proprietors, Schedule C 1040 filers, LLCs, Partnerships, S-Corps, and C-Corps.
  • Support for legally high-risk merchant accounts that require secure and fast transactions.

Key Features That Make TodayPayments.com the Best RTP® Payment Processing Provider

✅ QuickBooks® QBO Integration – Automate invoicing, bookkeeping, and financial reconciliation.
✅ One RTP® Account Instead of Multiple Accounts – Consolidate RTP® transactions into one primary depository account.
✅ Support for High-Risk Merchant Processing – Process Credit Cards, ACH, FedNow®, and RTP® payments for regulated businesses.
✅ ISO 20022 Messaging with Hosted Payment Page – Generate secure payment links and optimize Request-for-Payments (RfPs).
✅ Alias-Based MID System – Assign unique MIDs to multiple phone numbers and email addresses, improving business transactions.

FREE Real-Time Payments Bank Reconciliation%
✅ "FREE" Real-Time Payments Bank Reconciliation – with all merchants process with us. Real-Time Payments Bank Reconciliation

bookkeepers, accountants, treasurers, and CFOs handling complex transactions.

How to Transition to a Consolidated RTP® Bank Depository Account

1️⃣ Apply for RTP® Payment Processing with TodayPayments.com – Get instant approval for RTP® Consolidation Services.
2️⃣ Utilize Alias-Based Transactions for Security – Process RTP® payments using phone numbers and email addresses instead of full banking details.
3️⃣ Consolidate Multiple MIDs for Different Accounts – Manage all business transactions under a single RTP® account.
4️⃣ Automate Payment Requests Using ISO 20022 Messaging – Optimize billing, invoicing, and payment collection with Request-for-Payments (RfPs).
5️⃣ Integrate QuickBooks® QBO for Automated Financial Management – Sync transactions in real-time for seamless bookkeeping.

Start RTP® Consolidation with TodayPayments.com

Say goodbye to multiple RTP® accounts, complex reconciliations, and unnecessary processing costs. With TodayPayments.com, businesses can streamline real-time payments, enhance security, and improve financial control with a single consolidated RTP® bank depository account.

🚀 Apply Today & Get Instant Approval for RTP® Consolidation!

👉 Visit TodayPayments.com to apply now!

Creation Request for Payment Bank File

Enhance Your Multiple Banks RTP Payment 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.

Request for Payment

... easily create Instant 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.

Each day, thousands of businesses around the country are turning their transactions into profit with real-time payment solutions like ours.

Contact Us for Multiple Banks RTP payment processing pricing