No-Fees RTP® for Instant Real-Time Payments – Ideal for SMBs & Businesses with Bad Credit
Why SMBs & Businesses with Bad Credit Are Switching to No-Fee RTP®
No-Fee RTP® – Instant Real-Time Payments for
SMBs & Businesses with Bad Credit
For small, mid-size, and large businesses
(SMBs), payment processing fees, slow bank transactions, and
credit score restrictions have long been major obstacles to
efficient cash flow. Traditional PCI-regulated credit card
payments, Same-Day ACH, and wire transfers come
with hidden fees, surcharges, and delays, affecting
businesses' bottom lines.
With No-Fee RTP® (Real-Time Payments), businesses can accept payments instantly with zero processing fees—because the payer covers the merchant processing fees. Even businesses with bad credit can take advantage of this secure, compliant, and cost-free transaction method.
With Request for Payment (RfP) digital invoicing, businesses can send real-time invoices, receive payments instantly, and automate accounting reconciliation—all while staying compliant with state regulations on surcharges. No-Fee RTP® is the ultimate solution for SMBs looking to reduce costs, improve cash flow, and eliminate credit card fees.
Perfect for Subscription & Recurring Billing
No Fees RTP® for Instant Real-Time Payments: The Smart Choice for SMBs & Businesses with Bad Credit
Why SMBs & Businesses with Bad Credit Are Switching to No-Fee RTP®
For too long, businesses with limited credit history or bad credit have struggled to access cost-efficient payment solutions. Credit card processing and ACH transfers come with strict regulations, transaction fees, and slow processing times—but RTP® solves these issues by offering:
- Zero merchant processing fees—Payers cover all transaction costs.
- Instant payments with no waiting periods—Unlike Same-Day ACH or wire transfers.
- No credit score requirements—Bad credit? No problem!
- No PCI compliance headaches—Skip costly security measures required for card transactions.
- State regulation compliance—Avoid legal restrictions on credit card surcharges.
Key Benefits of No-Fee RTP® vs. PCI Cards, Same-Day ACH, & Other Payment Methods
✅ Zero Processing Fees – The Payer Covers the Cost
- Businesses keep 100% of the invoice amount—No deductions.
- No more paying 2.5% - 3.5% in credit card processing fees.
- Ideal for businesses of all sizes, including those with bad credit—because fees aren’t tied to creditworthiness.
✅ Instant Real-Time Payments – No Settlement Delays
- Unlike Same-Day ACH, credit card payments, or wire transfers, RTP® settles instantly.
- Businesses gain immediate access to cash flow, with no banking hour restrictions.
- Avoid funding delays, batch processing holds, and chargeback risks.
✅ Request for Payment (RfP) Digital Invoicing for B2B Transactions
- Businesses can send invoices instantly through RfP and get paid in real time.
- Reduces manual payment follow-ups, ensuring faster invoice-to-payment conversion.
- Integrates seamlessly with QuickBooks®, Xero, and NetSuite for automated accounting reconciliation.
✅ No PCI Compliance Requirements or Security Costs
- PCI DSS compliance is a major expense for businesses that process credit card transactions.
- RTP® eliminates credit card security risks by directly transferring funds between banks.
- Minimizes fraud, data breaches, and chargebacks, protecting businesses from financial losses.
✅ Works for SMBs & Businesses with Bad Credit
- Unlike traditional merchant accounts, RTP® does not require good credit scores to receive payments.
- Businesses with limited or no credit history can accept real-time payments without restrictions.
- Removes financial barriers that limit businesses from accepting digital payments.
✅ Avoid State Regulations on Payment Surcharges
- Many states regulate or ban credit card surcharges, making it difficult for businesses to pass processing fees to customers.
- With RTP®, there are no surcharges—the payer covers transaction fees.
- Ensures legal compliance in states with strict credit card surcharge laws (e.g., California, New York, Texas).
✅ 24/7/365 Payment Availability – No Banking Hour Restrictions
- Unlike ACH and wire transfers, RTP® operates 24/7/365, including weekends and holidays.
- Businesses can accept and send payments anytime, ensuring continuous cash flow.
✅ Enhanced Security & Fraud Protection
- End-to-end encryption and authentication provide secure transactions.
- Unlike credit card payments, RTP® transactions cannot be reversed, reducing fraud risks.
- ISO 20022 messaging compliance enhances transaction transparency.
How No-Fee RTP® Benefits SMBs & Large Enterprises
Faster Business-to-Business (B2B) Payments
- Pay suppliers, vendors, and service providers instantly with real-time settlements.
- Avoid slow check payments, ACH delays, and wire transfer fees.
️ Ideal for E-Commerce & Retailers
- Accept real-time, fee-free payments, improving profit margins.
- Faster order fulfillment and instant payment confirmations.
Perfect for Subscription & Recurring Billing
- Automate recurring payments through Request for Payment (RfP) invoicing.
- Reduce failed transactions and chargeback risks.
Optimized Payroll & Contractor Payments
- Pay employees, freelancers, and gig workers instantly with RTP®.
- Reduce payroll processing costs and eliminate direct deposit fees.
Upgrade to No-Fee RTP® with TodayPayments.com
Are you ready to eliminate credit card fees, bypass PCI compliance costs, and enjoy real-time instant payments? No-Fee RTP® provides:
Zero transaction fees –
the payer covers costs
Instant payments
with real-time settlements
Automated
invoicing with Request for Payment (RfP)
No PCI compliance headaches or credit score restrictions
Start accepting real-time, fee-free payments today! Sign up with TodayPayments.com now.
Creation Request for Payment Bank File
Enhance Your No Fee 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
