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Real-Time Payments Gateway


Surcharge RTP® for Instant Real-Time Payments – The Best Payment Model for SMBs

Ideal for SMBs & Businesses with Bad Credit

Text Mobile Request for Real-Time Payment

Surcharge RTP® – The Smartest Way to Accept Instant Real-Time Payments

For small, mid-size, and large businesses (SMBs), managing transaction costs, compliance, and cash flow is essential for profitability. Traditional credit card processing, ACH payments, and wire transfers come with high fees, delayed settlements, and strict compliance requirements—making them costly and inefficient, especially for businesses with bad credit.

With Surcharge RTP®, businesses can pass transaction fees to the payer, ensuring they receive 100% of the invoice amount without merchant processing fees. This solution allows businesses to accept one-time and variable recurring payments instantly, using Request for Payment (RfP) digital invoicing to automate transactions while maintaining compliance with state surcharge regulations.

Surcharge RTP® is the ultimate solution for businesses that want to eliminate processing costs, receive payments instantly, and automate invoicing without financial barriers.

How Surcharge RTP® Benefits SMBs & Enterprises

Surcharge RTP® for Instant Real-Time Payments: A Smart Payment Model for SMBs & Enterprises

Cash Discount vs. Surcharge – What’s the Difference?

Businesses adopting Surcharge RTP® must understand the difference between cash discounts and surcharges:

  • Cash Discount: A lower price offered to customers who pay with cash, ACH, or RTP®, instead of a credit card.
  • Surcharge: A small fee added to a transaction when a customer chooses a specific payment method, such as RTP®, FedNow®, or credit cards.

With Surcharge RTP®, businesses can legally pass the RTP® transaction processing fee to the payer, reducing operational costs while staying compliant with state laws regulating surcharges.

Key Benefits of Surcharge RTP® for SMBs & Large Enterprises

✅ Pass Processing Fees to the Payer – Eliminate Merchant Costs

  • Businesses no longer pay transaction fees, ensuring they receive the full invoice amount.
  • Eliminates credit card fees that range from 2.5% - 3.5% per transaction, saving thousands annually.
  • Businesses can operate with higher profit margins and lower overhead costs.

✅ Instant Real-Time Payments – No Settlement Delays

  • Funds settle within seconds, providing immediate access to cash flow.
  • Unlike ACH transfers or wire payments, RTP® eliminates waiting periods and batch processing delays.
  • Businesses can reinvest revenue instantly, improving financial flexibility.

✅ Request for Payment (RfP) Digital Invoicing for B2B Transactions

  • Businesses can send invoices instantly using RfP digital invoicing.
  • Automates reconciliation with QuickBooks®, Xero, and NetSuite, reducing manual accounting errors.
  • Reduces late payments and improves cash flow predictability.

✅ One-Time & Variable Recurring Payment Support

  • Accept one-time and recurring payments with zero processing fees for merchants.
  • Ideal for subscription-based services, professional invoicing, and flexible customer payment plans.
  • Supports customized variable recurring billing cycles.

✅ No PCI Compliance Costs – Reduce Security Risks

  • RTP® transactions do not require PCI DSS compliance, unlike credit card payments.
  • End-to-end encryption ensures secure, direct bank-to-bank transfers.
  • Reduces fraud risk, eliminates chargebacks, and prevents unauthorized reversals.

✅ Ideal for SMBs & Businesses with Bad Credit

  • No credit score requirements—RTP® transactions are not dependent on credit history.
  • Even businesses with low or no credit history can accept payments without financial restrictions.
  • Opens doors for all businesses to offer instant digital payments.

✅ 24/7/365 Payment Availability – No Banking Hour Restrictions

  • Unlike ACH and wire transfers, RTP® operates 24/7/365, including weekends and holidays.
  • Accept payments anytime, ensuring uninterrupted business transactions.

✅ Enhanced Security & Fraud Protection

  • End-to-end encryption and authentication protect against fraud.
  • Unlike credit card payments, RTP® transactions cannot be reversed, eliminating chargebacks.
  • ISO 20022 messaging standard ensures secure and transparent transactions.

How Surcharge RTP® Benefits SMBs & Enterprises

Faster Business-to-Business (B2B) Payments

  • Instantly pay vendors, suppliers, and service providers without delays.
  • No ACH transfer holds, wire fees, or pending credit card settlements.

Ideal for E-Commerce & Retailers

  • Accept real-time payments with zero merchant fees, increasing profit margins.
  • Faster order processing and instant payment confirmations.

Perfect for Subscription & Recurring Billing

  • Automate monthly, quarterly, or annual recurring payments with RfP invoicing.
  • Reduce failed transactions and disputes.

Optimized Payroll & Contractor Payments

  • Pay employees, freelancers, and contractors instantly via RTP®.
  • Reduce payroll processing costs and eliminate direct deposit fees.

Upgrade to Surcharge RTP® with TodayPayments.com

Are you ready to eliminate merchant processing fees and pass RTP® transaction fees to the payer? With Surcharge RTP®, your business can:

 Pass transaction fees to the payer and eliminate processing costs
 Accept instant real-time payments—Funds settle in seconds
 Automate invoicing with Request for Payment (RfP)
 Support one-time and variable recurring payments
 Enhance security and eliminate chargebacks

Start accepting real-time, fee-free payments today! Sign up with TodayPayments.com now.

Creation Request for Payment Bank File

Enhance Your Surcharge 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.

Request for Payment

... 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