FedNow RfP Request for Payment Message

Benefits and Features of RfP via TodayPayments.com

Delivery Channels: From Mobile to Text to Digital Invoicing

RfP messages are designed for instant accessibility and action. TodayPayments.com enables merchants to deliver RfP requests through:

• SMS/Text Message: Embedded payment request with instant “Pay Now” functionality
• Email Invoices: Dynamic invoice links hosted by TodayPayments.com
• Mobile App Notification: In-app messages for authorized users
• Hosted Payment Pages: ISO 20022 enriched data for secure online interaction

Whether you’re billing one customer or 1,000, our delivery options ensure RfP messages are received, acted on, and settled immediately.

Full ISO 20022 Support
Send compliant, rich-data payment requests with standard fields for global interoperability.

No Bank Visit Required
Apply online and begin sending FedNow® and RTP® RfPs immediately across any financial institution.

Alias-Based Security
Use email or cell numbers in place of sensitive bank account data—maximizing privacy and ease.

Multi-Bank & Multi-Alias Capable
One dashboard to manage multiple MIDs, accounts, aliases, and subsidiaries across 50 states.

QuickBooks® Integration
Sync RfPs and payments directly with QuickBooks® Online for real-time accounting.

Realtime Reconciliation & Tracking
Treasurers, controllers, and CFOs can track and confirm settlement status instantly.

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

High-Risk & Bad Credit Friendly
Accept and reconcile payments even if you're in a high-risk category or have poor credit history.

Formats Supported

• Batch uploads via Excel (.xlsx)
• Structured financial messaging via XML
• Developer integration via JSON APIs

FedNow Request for Payment (RfP) Message: Delivery via Text, Email, and Smartphone using ISO 20022, JSON, or XML from Payees to Receive Funds from Payers

This format enables Payees (requestors) to send Request for Payment (RfP) messages to Payers (funders) via Text, Email, or Smartphone, utilizing the FedNow service. The RfP message requests funds from the payer, providing them with multiple channels and payment methods (via FedNow, RTP, or ACH). The message structure can be encoded in ISO 20022, JSON, or XML, depending on the communication channel and technical requirements.

1. JSON Format for Smartphone Apps or API-based Systems

JSON Structure

This format is ideal for mobile applications or APIs where the RfP is transmitted through a structured JSON payload.

{

  "RfPMessage": {

    "header": {

      "messageId": "RFP-567890123",

      "creationDateTime": "2024-01-12T14:30:00Z",

      "messageType": "RFP"

    },

    "payee": {

      "name": "ABC Services Inc.",

      "identifier": "987654321",

      "financialInstitutionId": "BANK12345",

      "contact": "support@abcservices.com"

    },

    "payer": {

      "name": "John Doe",

      "identifier": "john.doe@example.com",

      "financialInstitutionId": "BANK67890"

    },

    "paymentDetails": {

      "amount": 250.00,

      "currency": "USD",

      "dueDate": "2024-01-20"

    },

    "paymentChannels": {

      "preferredMethod": "FedNow",

      "FedNowTransactionId": "FedNow-567890123",

      "RTPTransactionId": "RTP-987654321",

      "ACHTransactionId": "ACH-123456789"

    },

    "invoiceInfo": {

      "invoiceNumber": "INV-567890",

      "referenceNote": "Payment for services rendered in December."

    },

    "remittanceInfo": {

      "remittanceDetails": "Consulting services rendered in December.",

      "paymentTerms": "Net 30"

    }

  }

}

Smartphone Delivery Strategy

• Use Case: Mobile apps, payment gateways, or business applications where JSON payloads are processed.
• Notification: The payer receives a notification through the app to approve the payment using FedNow, RTP, or ACH.

2. XML Format for Email or Enterprise Systems

XML Structure

This format is suited for email delivery or integration into enterprise systems, allowing for structured, detailed requests.

<RequestForPayment>

  <MessageHeader>

    <MessageId>RFP-567890123</MessageId>

    <CreationDateTime>2024-01-12T14:30:00Z</CreationDateTime>

    <MessageType>RFP</MessageType>

  </MessageHeader>

  <Payee>

    <Name>ABC Services Inc.</Name>

    <Identifier>987654321</Identifier>

    <FinancialInstitutionId>BANK12345</FinancialInstitutionId>

    <Contact>support@abcservices.com</Contact>

  </Payee>

  <Payer>

    <Name>John Doe</Name>

    <Identifier>john.doe@example.com</Identifier>

    <FinancialInstitutionId>BANK67890</FinancialInstitutionId>

  </Payer>

  <PaymentDetails>

    <Amount>250.00</Amount>

    <Currency>USD</Currency>

    <DueDate>2024-01-20</DueDate>

  </PaymentDetails>

  <PaymentChannels>

    <PreferredMethod>FedNow</PreferredMethod>

    <FedNowTransactionId>FedNow-567890123</FedNowTransactionId>

    <RTPTransactionId>RTP-987654321</RTPTransactionId>

    <ACHTransactionId>ACH-123456789</ACHTransactionId>

  </PaymentChannels>

  <InvoiceInfo>

    <InvoiceNumber>INV-567890</InvoiceNumber>

    <ReferenceNote>Payment for services rendered in December.</ReferenceNote>

  </InvoiceInfo>

  <RemittanceInfo>

    <RemittanceDetails>Consulting services rendered in December.</RemittanceDetails>

    <PaymentTerms>Net 30</PaymentTerms>

  </RemittanceInfo>

</RequestForPayment>

Email Delivery Strategy

• Email Body:

Dear John Doe,

 

You have a new Request for Payment from ABC Services Inc.

 

- Invoice Number: INV-567890

- Amount Due: $250.00

- Due Date: 2024-01-20

 

Please click the link below to pay via FedNow, RTP, or ACH.

 

[Pay Now](https://paymentportal.com/RFP-567890123)

 

Thank you, 

ABC Services Inc.

• Use Case: Email-based RfP delivery for businesses or individuals, with a link directing the payer to a payment portal.
• Notification: Email recipients receive a detailed payment request and can proceed to pay through digital payment systems like FedNow, RTP, or ACH.

3. ISO 20022 (XML-based) for Financial Institutions and Digital Payments

ISO 20022 is the international messaging standard for financial services, commonly used by banks and financial institutions. Below is an ISO 20022-compliant pain.013.001.07 message for Request for Payment (RfP).

ISO 20022 Format

<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.013.001.07">

  <CdtTrfTxInf>

    <PmtId>

      <InstrId>RFP-567890123</InstrId>

      <EndToEndId>INV-567890</EndToEndId>

    </PmtId>

    <Amt>

      <InstdAmt Ccy="USD">250.00</InstdAmt>

    </Amt>

    <Cdtr>

      <Nm>ABC Services Inc.</Nm>

      <Id>

        <OrgId>

          <Othr>

            <Id>987654321</Id>

          </Othr>

        </OrgId>

      </Id>

    </Cdtr>

    <CdtrAcct>

      <Id>

        <Othr>

          <Id>BANK12345</Id>

        </Othr>

      </Id>

    </CdtrAcct>

    <Dbtr>

      <Nm>John Doe</Nm>

      <Id>

        <PrvtId>

          <Othr>

            <Id>john.doe@example.com</Id>

          </Othr>

        </PrvtId>

      </Id>

    </Dbtr>

    <DbtrAcct>

      <Id>

        <Othr>

          <Id>BANK67890</Id>

        </Othr>

      </Id>

    </DbtrAcct>

    <RmtInf>

      <Ustrd>Consulting services rendered in December.</Ustrd>

    </RmtInf>

    <PmtTpInf>

      <InstrPrty>NORM</InstrPrty>

      <SvcLvl>

        <Cd>SEPA</Cd>

      </SvcLvl>

    </PmtTpInf>

  </CdtTrfTxInf>

</Document>

Delivery via Banking Systems

• Use Case: Transmission via digital banking systems or integration with financial institutions supporting ISO 20022.
• Notification: Financial institutions can process the message, allowing payers to transfer funds through FedNow, RTP, or ACH.

4. SMS (Text Message) Format

For SMS (Text Messages), the goal is to provide a concise RfP message that directs the payer to a secure link to complete the payment.

Example SMS Format:

ABC Services Inc. has requested a payment of $250.00, due by 01/20/2024.

Pay now: https://paymentportal.com/RFP-567890123

For questions, contact: +123456789

SMS Delivery Strategy

• Use Case: Ideal for quick notifications and actionable requests where the payer can easily click a link and complete the payment through a smartphone.
• Payment Link: The link directs the payer to a secure payment gateway that supports multiple payment options like FedNow, RTP, or ACH.

Delivery Strategy: Text, Email, and Smartphone

1. Text (SMS):
   • Send an SMS with essential RfP information and a payment link. This is ideal for fast, actionable payments on smartphones.
   • Example: "ABC Services Inc. requests $250.00. Pay now: [Payment Link]"
2. Email:
   • Use XML format for structured, detailed RfP information or include links to payment portals.
   • Example: A professional email with detailed payment instructions and a link for digital payments.
3. Smartphone:
   • JSON-based messages can be delivered to mobile banking apps or integrated systems. The RfP can be presented as a notification, with the user directed to approve the payment in-app.
   • Example: "You have a new payment request from ABC Services Inc. Amount: $250.00. Due: 01/20/2024. Click here to pay."

FedNow® RfP Payments Begin Here

Tired of slow payments and uncertain cash flow? It’s time to switch to real-time certainty.

✅ Send secure FedNow® RfPs using ISO 20022
✅ Deliver via text, mobile, email, or hosted payment link
✅ Reconcile and track payments in real-time
✅ Enroll instantly without visiting your bank
✅ Process payments across all 50 states—even for high-risk merchants

With TodayPayments.com, you get:

• Free FedNow® & RTP® merchant account setup
• Hosted payment links embedded in every message
• Alias-based identity and payment security
• Real-time fund movement and automated reconciliation
• Support for ACH, cards, FedNow®, RTP®, and batch processing

Join the next generation of payment professionals.

👉 Visit TodayPayments.com to enroll and start sending FedNow® RfPs instantly using the most advanced tools in fintech.