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Same-Day ACH Request-for-Payment (RfP™) for Businesses

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To empower U.S. merchants with real-time invoicing and automated payment collection using Same-Day ACH, ISO 20022 Request-for-Payment (RfP™) standards, and alias-based billing — anytime, anywhere.

Real-TimePayments.com is not a bank. We’re your fintech backend for frictionless, automated, real-time payments across FedNow®, RTP®, and Same-Day ACH rails. We activate merchant RfP™ processing across multiple MIDs, banks, and formats — so you can invoice, collect, and reconcile without delay.

 

Unlock Faster Payments with Same-Day ACH and ISO 20022 RfP™

samedayach.com As merchants and businesses demand faster, more secure, and automated ways to get paid, Same-Day ACH emerges as a powerful alternative to wires and checks. With ISO 20022-compliant Request-for-Payment (RfP™) messaging, payees can now initiate debit-authorized collections in real-time and automate the entire accounts receivable lifecycle. Whether it's a single transaction or recurring bill, ACH has caught up to the speed of business—today.

Top 10 Feature-Rich Reasons

to Choose Same-Day ACH via Real-TimePayments.com

  1. Same-Day Settlement – Funds available the same day for qualified windows.
  2. ISO 20022 RfP™ Support – Standardized structured messaging across banks.
  3. Recurring Autopay – One-time authorization for ongoing “Set It and Forget It” billing.
  4. QR Code & Alias-Based Invoicing – Send Pay Now links via email, SMS, or printed invoices.
  5. Instant A/R Reconciliation – Built-in invoice aging and response handling.
  6. Multi-MID Capability – Consolidate payments across business units or brands.
  7. POS & On-Demand Payments – Collect at the point of sale in seconds.
  8. Good Funds Guarantee – Get irrevocable debit transactions settled same day.
  9. Batch File Ready – Compatible with bulk payment uploads using CSV or XML.
  10. QuickBooks® QBO Integration – Seamlessly embed RfP™ into accounting workflows.

Request-for-Payments (RfP™) – Parameters, Attributes, Benefits, and Features

Key Parameters:

  • ISO 20022 Message Types: pain.013, pain.014, camt.056
  • Transaction Type: Credit-push or debit-pull (with payer pre-authorization)
  • Format Support: XML, JSON, or API
  • Alias Identifiers: Email, mobile number, token

Attributes & Features:

  • RfP™ Aging Clock – Tracks invoice expiration, escalation, or retries
  • Rejection Codes & Retry Logic – ISO-based reason codes with intelligent workflows
  • Optional Memo & Remittance Fields – Invoice line-item referencing
  • Immediate Funds Transfer – No overnight delay for approved windows
  • Regulatory Compliance – Meets NACHA rules and ISO 20022 mandates

Business Benefits:

  • Reduces DSO (Days Sales Outstanding)
  • Eliminates paper checks and card interchange fees
  • Improves cash flow predictability
  • Works with or without a traditional merchant account

Ask us How:

1. Businesses seeking real-time billing and collection solutions can now automate invoicing with Same-Day ACH Request-for-Payment (RfP™) via ISO 20022 messaging, empowering faster settlement and alias-based invoicing.

2. Same-Day ACH allows merchants to send automated invoice requests directly through SMS or email, using mobile aliases or QR codes, all while remaining compliant with structured ISO 20022 formats.

3. Companies using QuickBooks® Online can integrate Same-Day ACH RfP™ for recurring payments and batch invoicing, creating a seamless experience for accounting teams with real-time cash flow visibility.

4. With “Set It and Forget It” billing, merchants can collect recurring payments via Same-Day ACH RfP™ using only one-time payer authorization — saving time and increasing on-time payment rates dramatically.

Minimum ISO 20022 RfP™ Data Fields (Simplified)

Field

Description

MsgId

Unique RfP message identifier

CreDtTm

Date/time the RfP was created

NbOfTxs

Number of transactions in batch (or 1)

CtrlSum

Control sum of transaction amount

PmtInfId

Payment information group ID

Amt

Amount requested

ReqdExctnDt

Requested execution date

Cdtr

Payee details

CdtrAcct

Payee bank account info

PmtMtd

Same-Day ACH

RmtInf

Remittance/invoice reference

UltmtDbtr

Optional: End-customer name or alias

Conclusion — Right Now, Get Paid Instantly with Same-Day ACH via Real-TimePayments.com

Whether you're collecting rent, tuition, subscriptions, or B2B invoices — Same-Day ACH with RfP™ enables real-time certainty, same-day settlement, and future-ready ISO 20022 compliance. At Real-TimePayments.com, we activate your merchant account with multi-bank support, QR code invoicing, and QuickBooks integration in days — not weeks.

👉 Get approved in minutes. Process in hours. Collect in real time.

Speak With a Real-Time Payment Specialist Now

Whether you’re ready to launch, Same-Day ACH, FedNow® & RTP® payments or just exploring options, our team is here to answer your questions and guide you toward the best-fit solution.

Call us now: (866) 927-7180

Or… fill out the quick form below and we’ll contact you within 1 business hour.

Creation Recurring Request for Payment

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" in Open Banking with Real-TimePayments.com to work with Billers to create the Request for Payment to upload the Biller's Bank online platform. 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", either FedNow or RTP, will be the RtP Hub will be The Clearing House, with messaging to the Debtor's (Payer's) bank. Request for Recurring Payment

ACH and both Instant and Real-Time Payments Request for Payment ISO 20022 XML Message Versions
The versions that NACHA recommends for the Request for Payment message and the Response to the Request are pain.013 and pain.014 respectively. Version 5 for the RfP messages, which The Clearing House Real-Time Payments system has implemented, may also be utilized as there is no material difference in the schemas. Predictability, that the U.S. Federal Reserve, via the FedNow ® Instant Payments, will also use Request for Payment. The ACH, RTP ® and FedNow ® versions are Credit Push Payments.


Payees ensure the finality of Instant Real-Time Payments (IRTP) and FedNow using recurring Requests for Payments (RfP), Payees can implement certain measures:

1.     Confirmation Mechanism: Implement a confirmation mechanism to ensure that each payment request is acknowledged and confirmed by the payer before the payment is initiated. This can include requiring the payer to provide explicit consent or authorization for each recurring payment.

2.     Transaction Monitoring: Continuously monitor the status of recurring payment requests and transactions in real-time to detect any anomalies or discrepancies. Promptly investigate and resolve any issues that arise to ensure the integrity and finality of payments.

3.     Authentication and Authorization: Implement strong authentication and authorization measures to verify the identity of the payer and ensure that only authorized payments are processed. This can include multi-factor authentication, biometric verification, or secure tokenization techniques.

4.     Payment Reconciliation: Regularly reconcile payment transactions to ensure that all authorized payments have been successfully processed and finalized. This involves comparing transaction records with payment requests to identify any discrepancies or unauthorized transactions.

5.     Secure Communication Channels: Utilize secure communication channels, such as encrypted messaging protocols or secure APIs, to transmit payment requests and transaction data between the payee and the payer. This helps prevent unauthorized access or interception of sensitive payment information.

6.     Compliance with Regulatory Standards: Ensure compliance with relevant regulatory standards and guidelines governing instant payments and recurring payment transactions. This includes adhering to data security requirements, fraud prevention measures, and consumer protection regulations.

By implementing these measures, Payees can enhance the finality and security of Instant Real-Time Payments using recurring Requests for Payments, thereby minimizing the risk of payment disputes, fraud, or unauthorized transactions.

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

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