Request 4 Pay

Alias-Based RfP Invoicing with Instant A2A Real-Time Payments

With alias-based invoicing, there’s no need for routing or account numbers. Instead:

• Payers receive RfPs via email, mobile number, SMS, or QR code
• Hosted Payment Pages guide them securely to payment completion
• Transactions are fulfilled using FedNow® or RTP® real-time debit rails
• Funds are credited to the Payee's account immediately and irrevocably

This model supports both one-time and recurring payments across C2B and B2B contexts.

In today’s digital-first economy, businesses and merchants require fast, secure, and predictable ways to collect payments. Traditional methods like ACH, checks, or card processing create unnecessary delays and friction.

Now, with Request for Payments (RfP™) using FedNow® and RTP® rails, merchants can send secure digital invoices and collect real-time, irrevocable good funds directly from payers—whether via mobile phone, email, text, QR code, or hosted checkout page.

This new paradigm combines speed, certainty, and automation, giving payers the freedom to pay when and how they choose, and merchants the control to collect funds with precision.

Multi-Channel Invoicing with Hosted Payment Pages

Send RfPs from:

• Mobile devices via text or email
• QR Codes embedded in physical invoices, POS systems, or online checkout
• Batch processes via ISO 20022 file formats (.XML, .JSON, .CSV)
• Hosted Payment Pages where payers choose payment method (ACH, Card, BNPL, FedNow®, RTP®)

Each RfP can be tracked, reconciled, and reported using rich remittance data.

Itemized Request for Payments Parameters, Attributes, Benefits and Features

Ask us how:

• Send secure Request for Payments using FedNow® and RTP® rails and receive good funds instantly with alias-based identification and ISO 20022 messaging.
• Automate mobile invoicing via SMS, email, and QR code, directing payers to a hosted payments page where they can choose their preferred method.
• Enable batch processing of RfPs using ISO 20022 file formats such as .XML, .CSV, and .JSON—ensuring fast upload across all U.S. financial institutions.
• Create a seamless "set it and forget it" recurring billing experience with one-time standing authorization, allowing payers to automate real-time RfP approval.
• Accept POS, MOTO, and eCommerce RfPs with real-time confirmation, fast remittance, and full payment certainty.

What is Request 4 Pay

With Request for Pay, Merchants provide consumers, either business ( B2B ) or individuals a payment request, in either an Invoice or on a shopping check-out page on a website. "Request for Payment" is an exciting new service brought about by the Faster Payments Initiative of the US Federal Reserve providing payments that are instant, final (irrevocable - "good funds") and secure. A Request for Payment (RfP), through The Clearing House, is a payment-related message (ISO20022 pain.013) that is sent by the biller to the customer through their respective financial institutions, to request for an Real-Time payment in response. The payment response sent by the "consumer" is considered a Consumer Initiated Entry, CIE. The credit payment sent can be considered an ACH, Real-Time payment or Wire depending the system used to send the funds transfer. Both the Real-Time Payment or Wire Payment Order are considered Good Funds.

"In a simple Request For Payment situation, the biller sends the payer a notification via text, push notification, or email informing that the bill is due and requesting payment. The notification includes access to billing details. Upon receipt of the bill, the payer can respond by crediting the biller with funds immediately or scheduling a timeframe for the payment to be made. The payment can be made from a variety of funding sources including a checking account, debit card, credit card, or another eligible source. The biller sends confirmation data back within seconds so the consumer is assured that the bill has been paid.

RfP (Request for Payment) FedNow Request 4 Payments is a new service that allows businesses and individuals to quickly and easily request payments from others using FedNow, the Federal Reserve's real-time payment service. With RfP FedNow Request 4 Payments, you can create and send payment requests to anyone with a US bank account, and receive funds in real-time, within seconds.

Using RfP FedNow Request 4 Payments typically involves following these steps:

Create a payment request: The first step is to create a payment request that includes details such as the amount due, the due date, and the recipient's contact information. You may also want to include a description of the products or services provided.

Send the payment request: Once the payment request is created, you can send it to the recipient using the appropriate interface or API provided by your bank. The recipient will receive the payment request in real-time and can review and approve it.

Receive the payment: Once the payment request is approved, you will receive the funds in your bank account in real-time, within seconds. This allows you to receive payments quickly and easily, without having to wait for checks or other forms of payment to clear.

Monitor payment status: After the payment is processed, you can monitor its status through your bank account or using the appropriate interface or API provided by your bank.

RfP FedNow Request 4 Payments is a convenient and secure way to request payments and receive funds in real-time. It can be particularly useful for businesses that need to receive payments quickly, such as those in the retail, hospitality, and service industries. However, it's important to note that the specific steps and requirements for using RfP FedNow Request 4 Payments may vary depending on your bank's specific policies and procedures. Additionally, there may be fees associated with using this service, so it's important to work closely with your bank to understand the costs and requirements.

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.
! Message Detail: Full 145 characters available using ISO 20022 messaging XML format. ~ 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 Request 4 Pay

Today Payments is a leader in the evolution of immediate payments. We were years ahead of competitors recognizing the benefits of Real-Time ACH funding through Real-time Direct Deposits (ACH Push) and Real-time 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 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 "Good Funds" Payment Platform

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