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Tokenized Invoices with FedNow® and RTP® Real-Time Payments

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Start sending real-time invoices, receiving good funds, and reconciling faster than ever — all powered by America’s premier real-time merchant processor.

To transform how U.S. businesses get paid by enabling real-time, tokenized invoice processing over FedNow® and RTP® networks, supporting secure alias identifiers, ISO 20022 RfP™ messaging, QR code invoicing, and recurring autopay billing.

Real-TimePayments.com is a national accounting fintech real-time payments facilitator — not a bank — that helps merchants launch real-time RfP™ invoicing using tokenized alias identifiers, multi-MID routing, QR billing, and autopay functionality via FedNow® and RTP®. We specialize in bringing modern recurring payment infrastructure to merchants of all types and sizes, making real-time invoicing and reconciliation accessible to every business.

Prologue: The Future of Instant Billing Starts with Alias-Based RfP™ Invoicing

Prologue: The Future of Instant Billing Starts with Alias-Based RfP™ Invoicing

The evolution of business payments has reached a new milestone with the emergence of tokenized invoices via FedNow® and RTP®. Instead of relying on slow ACH transfers or costly credit card networks, businesses can now issue real-time Request-for-Payment (RfP™) invoices using alias identifiers like emails, mobile numbers, or monikers — never needing to expose sensitive account information.

What sets this system apart is the ability to embed QR codes and hosted payment links into each RfP™, enabling customers to approve payments in seconds — from any device. For businesses with recurring revenue, a one-time standing authorization allows for automatic, recurring billing using real-time debit transactions — the definition of "set it and forget it".

Enable “Set It and Forget It” Real-Time Payments with Recurring Billing and Irrevocable Settlement

Ask us How:

  1. Tokenized invoices with FedNow® and RTP® allow U.S. businesses to send alias-based payment requests using ISO 20022 Request-for-Payment (RfP™) messages. These invoices can be delivered via SMS, email, or embedded QR code and enable instant good funds settlement — 24/7, with no chargebacks.
  2. Recurring billing becomes seamless with FedNow® and RTP® when customers authorize one-time standing approvals for future RfP™ transactions. This ensures merchants are paid on time without requiring manual approval for each bill, reducing failed collections and improving cash flow reliability.
  3. Real-TimePayments.com provides multi-MID support for businesses with subsidiaries, divisions, or brands needing separate routing logic — all while using one unified tokenized invoicing system. Each RfP™ can be traced, auto-reconciled, and settled instantly in the designated payee account.
  4. By integrating ISO 20022-compliant RfP™ tokenized invoicing into QuickBooks® Online, merchants can automate reconciliation, track aging invoices, and simplify audit trails. This eliminates delays, reduces friction, and enables modern financial operations for both C2B and B2B environments.

Top 10 Benefits / Features of Premier FedNow® and RTP® RfP™ Invoicing

  1. 24/7 Good Funds Settlement – Receive irrevocable payments instantly
  2. Alias-Based Tokenized Invoicing – No account/routing number required
  3. No Card Fees or Chargebacks – Eliminate disputes and interchange costs
  4. QuickBooks® Online Integration – Seamless sync and automated A/R
  5. Recurring Autopay Support – One-time approval for variable recurring debits
  6. QR Code & Hosted Link Delivery – Easy payer engagement from any device
  7. Multi-MID Merchant Routing – Route payments by location, brand, or business unit
  8. ISO 20022 Messaging Compliance – Industry-standard structured RfP™ format
  9. RfP™ Aging Dashboard – Monitor, retry, and escalate unpaid invoices automatically
  10. Nationwide Coverage – Works with all U.S. banks and credit unions on FedNow® or RTP®

Parameters, Attributes, Benefits & Features for Businesses Using Real-TimePayments.com

Parameter

Description

Payment Networks

FedNow® and RTP® Real-Time Payment Rails

Invoice Format

ISO 20022 RfP™ (XML or JSON)

Identifier Format

Alias: Email, Mobile Number, EIN, Moniker

Settlement Speed

Instant, Irrevocable, 24/7/365

Recurring Billing

One-time standing authorization, variable recurring debit support

Invoice Delivery

QR Code, Email, SMS, Hosted Link

Unstructured Field

145-character remittance memo for invoice URLs or reference

QuickBooks® Integration

Yes — real-time sync via webhook/API

Reconciliation Logic

Auto-matching invoice to RfP™ and funds received

Multi-MID Support

Yes — per brand, location, or product line

Minimum Required ISO 20022 Data Fields for RfP™ Messaging

  1. <GrpHdr> – Message ID and creation timestamp
  2. <PmtInf> – Payment info including amount and method
  3. <Dbtr> – Debtor alias (payer)
  4. <Cdtr> – Creditor alias (merchant/payee)
  5. <CdtrAcct> – Receiving account token or reference
  6. <RmtInf> – 145-character unstructured remittance field
  7. <ReqdExctnDt> – Requested execution date
  8. <PmtTpInf> – Payment type code for RTP® or FedNow®
  9. <Purp> – Optional payment purpose or use case classification

Conclusion — Activate Tokenized Invoicing with FedNow® & RTP® Today

If you’re still chasing payments manually or relying on outdated ACH or card networks, it’s time to upgrade. With tokenized invoices powered by FedNow® and RTP®, your business gains real-time billing, good funds collection, alias security, and built-in support for recurring debits — all with zero chargebacks and 24/7/365 settlement.

✅ QR-enabled. Alias-secure. Recurring-capable.
✅ Perfect for subscriptions, contractors, billing departments, and franchised operations.
✅ No more “payment pending” — just instant, predictable cash flow.

Ready to Launch Tokenized Invoices with FedNow® and RTP®?

👉 Visit Real-TimePayments.com to activate your merchant RfP™ account in minutes and start collecting payments instantly — with automation built in.

Features & Benefits

FedNow instant payments has benefits for all parties involved in Financial Transactions.
Benefits to your company include:
Money Transfer: Current limit of $1,000,000+ ~ FedNow, $10,000,000+ ~ RTP.
It's Fast: 24/7/365 access to funds anytime vs. several days for paper checks or ACH transfers to process.
Request for Payments ( RfP ™): Mobile & Online Real-Time Bill Payments.
It's Final: All RTP and Instant Payments are Final & Irrevocable.
Software Integration: Integrate your Management or Enterprise software with us.
! Secrete Sauce ~ Message Detail: RfP™ – The 145-character unstructured field in ISO 20022 XML messages enables merchants to embed invoice numbers, payer notes, or payment links. ~ Call us now for all the Benefits: Pay FedNow, RTP, ACH, Credit Cards .html links!!
Online Down Payments: Don't use inconvenient and expensive Wires & Cashier's Checks.
Online Real-Time Reporting: Configured Dashboard with Virtual Terminal login.
Reduced calls / emails in the "Purchasing Chain": All parties to a instant payment transaction receive immediately text & email messaging.  The FedNow and RTP Systems enables Participants to initiate credit transfers, receive final and irrevocable settlement for credit transfers, and make available to Receivers funds associated with such credit transfers in real-time, twenty-four (24) hours a day, seven (7) days a week, fifty-two (52) weeks a year. All instant payments are "Credit Push" instead of "Debit Pull."


About Tokenized Invoices

Today Payments is a leader in the evolution of instant instant payments. We own Real-Time Payments. We were years ahead of competitors recognizing the benefits of Same-Day ACH funding through Same-Day Direct Deposits (ACH Push) and Same-Day Direct Payments (ACH Pull). Our customers 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. Our platform hub with its tools / widgets help organizations of all sizes reduce transaction costs, mitigate risk and increase efficiencies. Our system ensures proper Authentication, Authorization, Verification, Settlement, Notifications and Postings.



Our Instant Real-Time Payment Platform


Today Payments

...continues to meet the challenge of our clients by offering cost effective "good funds", real-time, instant, credit card, ACH and e-invoice payment processing services into the electronic payment solutions banking system. Electronic banking includes the transfer of funds between companies (B2B) and/or (B2C) consumer accounts for collection and payments. Today Payments' FedNow Instant Merchant Services gives your company choices in the method of faster payments that you can accept from your customers.
Our payment processing platform is designed for simplicity and ease-of-use.
SecureQB Cloud payment processing integration for QuickBooks ® give you the Best transaction detail information, real-time, with matching error-proof through QuickBooks.

Process with the Tokenized Invoices Professionals

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  • Automation of Accounts Receivable Collection with Instant Settlement & Deposit
  • Automation of Accounts Payable Payments with Instant Settlement & Deposit
  • One-Time & Recurring Debits & Credits with Instant Settlement & Deposit

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

Contact Us for Tokenized Invoices payment processing