Real-Time Payments Gateway


Account Receivables Outstanding


TodayPayments.com is the trusted platform for modernizing accounts receivable with Excel-based Request for Payments (RfP), ISO 20022 smart messaging, and real-time settlement across FedNow®, RTP®, ACH, and card networks.


We help merchants, enterprises, and finance departments replace manual collections with alias-driven, digital-first workflows that bring speed, accuracy, and guaranteed funding.

Whether your business processes one invoice a day or thousands in a batch, TodayPayments.com delivers the infrastructure to scale AR with certainty.

Mobile Request for Payment

Account Receivables Outstanding Excel Software with Real-Time RfP Automation

Outstanding receivables can slow growth, impact cash flow, and overburden finance teams. But with modern Excel-based Request for Payment (RfP) automation, ISO 20022 messaging, and access to real-time settlement via FedNow®, RTP®, ACH, and cards, your AR process can be transformed.

TodayPayments.com offers a complete receivables platform built for speed, certainty, and modern payment rails. With structured file formats, smart alias mapping, and free bank reconciliation templates custom-built for your business, we make it easier than ever to turn open invoices into guaranteed “Good Funds.”


Our platform enables businesses to send and manage Request for Payments (RfPs) using familiar tools like Excel, integrated with ISO 20022 rich data messaging. You can automate the entire payment request workflow — from invoice generation to hosted payment pages — while supporting instant A2A transfers using FedNow® or RTP®.

Highlights:

  • Generate RfPs from .Excel, .XML, or JSON file uploads
  • Send digital invoices through text, email, or mobile
  • Route payments via FedNow®, RTP®, ACH, or credit cards
  • Include .html links to branded hosted payment pages
  • Handle static or variable recurring payments with ease
  • Use aliases (email or phone) instead of sensitive account numbers

Whether you’re billing B2B or C2B, TodayPayments.com gives you the tools to move faster, safer, and with full audit visibility.


ISO 20022 Messaging + A2A Transfers = Streamlined Real-Time Payments

With ISO 20022 becoming the global messaging standard for financial data, our platform ensures your receivables system is future-proof and fully compatible with major payment networks. From batch processing to one-off RfPs, every request is embedded with rich metadata to power automation, reporting, and compliance.

Features:

  • Real-time payment support for FedNow®, RTP®, and Same-Day ACH
  • Send one-by-one or batch RfPs to all U.S. credit unions and banks
  • Full interoperability with RTP® Request for Payment files
  • Identity validation via Confirmation of Payee
  • Push and pull payment logic for settlement flexibility
  • Supports recurring billing with alias-to-alias mapping

Pair your Excel workflows with ISO 20022 and remove manual friction — instantly.


Free Reconciliation Templates + “Good Funds” Settlement Assurance

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

We’ve created customized Excel reconciliation templates to help your AR team match RfPs with payment confirmations automatically. With guaranteed transaction settlement using FedNow® or RTP®, your team will always know exactly when — and from whom — funds are received.

Why Companies Choose TodayPayments.com:

  • Hosted .html payment page links built into every invoice
  • Alias-based payer and payee support (email, phone, unique token)
  • Digital invoice delivery via SMS, email, and mobile web
  • Real-time funding confirmation with Good Funds logic
  • ACH fallback + card support for payment flexibility
  • QuickBooks® QBO integration for AR-to-ledger syncing
  • 24/7 self-service enrollment and onboarding

No more guessing. No more waiting. Just verified, real-time receivables.

You are asking about the process of matching, merging, and clearing when receiving funds from invoices using FedNow and RTP (Real-Time Payments). These processes typically involve reconciling payments in your accounting or financial system. Here's a general guide on how you might handle these tasks:

1. Matching:

  • Purpose: To identify and match received payments to the corresponding invoices.
  • Steps:
    1. Invoice Generation: Create and send invoices to customers through your accounting system.
    2. Payment Receipt: When a payment is received, record it in your financial system.
    3. Matching: Use the MATCH function in Excel or a similar feature in your accounting software to match received payments with the corresponding invoices. Matching can be based on invoice numbers, customer names, or other identifiers.

2. Merging:

  • Purpose: Combining information from multiple sources, such as different payment methods or platforms.
  • Steps:
    1. Data Collection: Collect payment data from various sources, including FedNow, RTP, and other payment methods.
    2. Normalization: Ensure that data from different sources is in a consistent format.
    3. Merging: Use the MERGE function in Excel or merge tools in your accounting software to combine payment data from different sources into a unified view.

3. Cleared Transactions:

  • Purpose: Marking transactions as cleared once they have been reconciled and verified.
  • Steps:
    1. Reconciliation: Compare your bank statements or transaction reports with your accounting records.
    2. Clearing Process: Use a "Cleared" status or flag in your accounting software to indicate that a transaction has been reconciled and verified.
    3. Documentation: Keep records of cleared transactions for auditing and reference purposes.

4. Specifics for FedNow and RTP:

  • Integration: If possible, integrate your accounting software with FedNow and RTP to streamline the process. Some accounting systems offer direct connections or APIs for real-time data updates.
  • Data Formats: Ensure that data received from FedNow and RTP is in a compatible format with your accounting system. You may need to convert or map data fields for seamless integration.
  • Automation: Explore automation features in your accounting software to reduce manual efforts in matching, merging, and clearing transactions.

5. Regular Reconciliation:

  • Frequency: Perform regular reconciliations to ensure that your financial records accurately reflect the transactions from FedNow, RTP, and other sources.

Remember, the specific steps and features may vary depending on the accounting software you are using. Always refer to the documentation provided by your accounting software for detailed instructions on matching, merging, and clearing transactions. Additionally, stay informed about updates and new features that may enhance your reconciliation processes.

Your Invoices Deserve Real-Time Results

If you're still waiting days for checks or manually reconciling payments, it’s time to level up.

With TodayPayments.com, your business gets:

Excel-based automation of Request for Payments (RfP)
ISO 20022-compliant data messaging
.html invoice links for mobile, email, or SMS delivery
Real-time settlement via FedNow® and RTP®
Secure alias invoicing and Confirmation of Payee
Free, ready-to-use reconciliation templates built for your AR team

👉 Ready to automate your receivables and get paid faster?
Start today at TodayPayments.com — where outstanding invoices meet outstanding technology.

How to Account Receivables Outstanding

ACH and both FedNow Instant and Real-Time Payments Request for Payment ISO 20022 XML Message Versions.
The versions that NACHA and The Clearing House Real-Time Payments system for the Response to the Request are pain.013 and pain.014 respectively. 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" instead of "Debit Pull.".

Reconcile invoices with our Account Receivables Outstanding Solutions


Activation Dynamic RfP Aging and Bank Reconciliation worksheets - only $49 annually

1. Worksheet Automatically Aging for Requests for Payments and Explanations

- Worksheet to determine "Reasons and Rejects Coding" readying for re-sent Payers.
- Use our solution yourself. Stop paying accountant's over $50 an hour. So EASY to USE.
- No "Color Cells to Match Transactions" (You're currently doing this. You won't coloring with our solution).
- One-Sheet for Aging Request for Payments (Merge, Match and Clear over 100,000 transactions in less than 5 minutes!)
- Batch deposits displaying Bank Statements are not used anymore. Real-time Payments are displayed "by transaction".
- Make sure your Bank displaying "Daily FedNow and Real-time Payments" reporting for "Funds Sent and Received". (These banks have Great Reporting.)

2. Bank Reconciliation with as Payee FedNow & Real-Time Payments for Accrual, Cash and Hybrid Basis and QBO - Undeposited Funds

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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