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Same-Day ACH RfP™ with ISO 20022 — Real-Time Business Payments Made Easy

Fast, Reliable, and Automated — Same-Day ACH Is Now Real-Time Ready

Request for Payment Same-Day ACH is no longer just “faster than tomorrow”—it’s now a real-time enabler for businesses across America. Combined with ISO 20022 Request-for-Payment (RfP™) messaging, you can automate invoicing, eliminate checks and delays, and collect funds directly into your account the same day. For merchants, this means faster cash flow. For Payers, it means simplicity and transparency. Welcome to the next level of intelligent payments infrastructure.

To enable businesses of all sizes to send, receive, and reconcile payments in real-time using Same-Day ACH and ISO 20022 RfP™ invoicing — backed by secure, alias-enabled infrastructure built for speed, automation, and financial certainty.

Real-TimePayments.com is not a bank — we’re the infrastructure layer for high-speed invoicing, secure collections, and automated reconciliation across FedNow®, RTP®, and Same-Day ACH. We deliver real-time payment facilitation for modern businesses — from startups to enterprises — all integrated with your accounting workflows.

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  • ~ Automate Account Receivable Collection
  • ~ Automate Account Payable Payments
  • ~ One-time and Recurring Debits / Credits

Secure QB Plugin payment processing through QuickBooks ® specializes in the origination of moving money electronically.

Top 10 Feature-Rich Reasons to Choose Same-Day ACH via Real-TimePayments.com

  1. Same-Day Settlement Windows – Collect funds by 1 PM, 5 PM, or 6 PM ET on the same day.
  2. ISO 20022 RfP™ Messaging – Use structured XML formats for standardized invoice data.
  3. Alias-Based Invoicing – Request payments using phone numbers, emails, or tokens.
  4. QR Code Enabled – Accept “scan-to-pay” invoices in paper or digital formats.
  5. Recurring Autopay – Set up automatic billing with one-time payer authorization.
  6. QuickBooks® Online Integration – Sync invoices, payment status, and reconciliation in real time.
  7. Multi-MID, Multi-Bank Support – Consolidate billing across multiple merchant divisions.
  8. “Set It and Forget It” Payments – No need for payer review after initial consent.
  9. ACH Debit & Credit – Combine pull and push capabilities for full payment flexibility.
  10. A/R Tools with RfP™ Aging – Monitor open, expired, and rejected invoices intelligently.

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

RfP™ Parameters:

  • Format: ISO 20022 (pain.013/pain.014)
  • Rails: Same-Day ACH (NACHA-compliant)
  • Method: ACH Debit (payer pre-authorized)
  • Scheduling: Same-day execution on business days

Key Attributes:

  • Alias identifiers (email, phone, token)
  • Request expiration timers (RfP™ aging)
  • Error handling and reject code tracking
  • QR code and hosted payment link support

Benefits for Business Payees:

  • Speed – Settle invoices in hours, not days
  • Certainty – Collect irrevocable funds
  • Simplicity – One-time payer setup
  • Scalability – Batch upload or API access
  • Reconciliation – Automated remittance matching

Built-in Features:

  • Mobile-friendly invoice presentation
  • Pre-filled remittance and invoice detail fields
  • Audit trail of payer and payee confirmations
  • Real-time return/reject handling

Ask us How:

1. Businesses can now send Same-Day ACH payment requests using ISO 20022-compliant RfP™ messaging integrated directly into QuickBooks® Online, enabling real-time invoice automation and same-day fund settlement.

2. With Same-Day ACH and alias-based invoicing, merchants can email or text customers secure RfP™ links that settle into their account the same day — reducing float, chargebacks, and late payments.

3. Using QR codes, mobile numbers, or hyperlinks, small businesses and enterprises alike can trigger fast ACH collections through Real-TimePayments.com’s real-time RfP™ framework that works across all major U.S. banks.

4. "Set It and Forget It" recurring billing via Same-Day ACH lets merchants collect rent, tuition, or subscriptions without requiring repeated payer approvals — increasing on-time payments while lowering admin time.

Minimum ISO 20022 Request-for-Payment (RfP™) Fields

Field

Purpose

MsgId

Unique message ID for RfP tracking

CreDtTm

Date/time stamp of request

NbOfTxs

Number of transactions

CtrlSum

Control total of payment request

PmtInfId

Unique ID per payment information group

Amt

Requested payment amount

ReqdExctnDt

Execution date (same-day settlement)

Cdtr/CdtrAcct

Payee business and bank info

Dbtr/DbtrAcct

Payer alias or account reference

RmtInf

Invoice reference / line-item detail

Conclusion: Same-Day ACH RfP™ Is the Bridge Between Speed and Certainty

Why wait days to get paid? With Same-Day ACH RfP™, your business can invoice today and collect today — using alias-based, ISO 20022-compliant, QR code-enabled, fully automated invoicing.

🔗 Real-TimePayments.com gives you the infrastructure to enable:

  • Batch RfP™ uploads
  • Recurring debit authorizations
  • Same-day payment certainty

💡 Whether you're a landlord, SaaS company, school, or services firm — it's time to stop chasing payments and start collecting instantly.

👉 Ready to get approved?
Visit Real-TimePayments.com to activate your Same-Day ACH merchant processing account today.

Request for Payment

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" in Open Banking with Real-Time Payments to work with Billers 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) show how to implement Create Real-Time Payments Request for Payment File up front delivering 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 continuing through a "Payment Hub", will be the RtP Hub will be The Clearing House, with messaging to the Debtor's (Payer's) bank.

Our in-house QuickBooks payments experts are standing ready to help you make an informed decision to move your company's payment processing forward.

Pricing with our Request For Payment Professionals
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 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. Using your invoice information database to create an existing Accounts Receivable file, we CLEAN, FORMAT to FEDNOW or Real-Time Payments into CSV or XML. Create Multiple Templates. You can upload or "key data" into our software for File Creation of "Mandatory" general file. Use either the Routing Number and Account Number for your Customers or use "Alias" name via Mobile Cell Phone and / or Email address.

Fees = $57 monthly, including Activation, Support Fees and Batch Fee, Monthly Fee, User Fee. We add your URI for each separate Payer transaction for additional Payment Methods 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) Add integrating QuickBooks Online "QBO" using FedNow Real-time Payment using our SameDayACH.com system.

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.

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