Upload Request for Payments – Real-Time Processing via FedNow® and RTP®
How to Upload FedNow and Real-Time Payments Request for Payment File
Upload Request for Payments is the fastest way to initiate and track real-time payment requests using FedNow® and RTP® networks. Through secure U.S. financial payee dashboards, merchants can upload single or batch RfP files using ISO 20022-compliant formats. Upon payer response, funds are transferred instantly, and clients gain immediate access to Excel spreadsheet reports and real-time bank reconciliation—free of charge.
This upload process allows businesses to manage receivables, monitor cash flow, and streamline accounting operations without needing manual intervention or paper-based systems.
Eliminate Delays with Real-Time RfP Upload Tools
Invoicing and waiting for payments is now a thing of the past. With the ability to upload Request for Payments (RfPs) through U.S. bank-connected dashboards, payees can trigger real-time settlement using FedNow® or RTP® within seconds.
No matter the size of your operation, this digital-first system lets you manage high-volume transactions or individual customer payments instantly—with real-time visibility into payment status, payer identity, and settlement timestamps.
Key Benefits and Features of Uploading RfPs:
- Import ISO 20022 XML or HTML payment files
- Upload single or batch RfP files 24/7
- Secure access to payee dashboard with download/export functionality
- Excel spreadsheet reports with good funds status
- Real-time FedNow® and RTP® reconciliation
- Alias-based tracking via mobile number or email
- Automated response monitoring and timestamping
- Full support for one-time and recurring RfPs
- Hosted Payment Page link included with each RfP
- No bank visit required—online onboarding available
- FREE dashboard access and reconciliation tools for all TodayPayments.com clients
How to Upload Request for Payments via Payee Dashboards
Uploading RfPs is a streamlined process that begins with ISO 20022-compliant file creation. Files are imported directly into the secure payee dashboard provided by your financial partner or TodayPayments.com.
Each file includes essential transaction data—payer alias, payment amount, reference details, and a hosted payment link. Once uploaded, the system instantly delivers the RfP to the customer. Upon approval, FedNow® or RTP® processes the payment in real time, and the bank reconciliation data is recorded.
Clients can immediately download confirmation reports in Excel format or integrate them with accounting software for real-time tracking.
Why Real-Time Uploading Improves Cash Flow and Compliance
Uploading Request for Payments automates invoicing, improves compliance, and shortens the time to receive funds.
Instead of relying on static invoices or ACH delays, merchants can receive good funds instantly upon RfP approval. The dashboard provides full transparency on payment status, reconciliation data, and timestamped entries—making audits and financial close-outs simpler and more accurate.
Businesses also benefit from detailed reporting on aging receivables, batch payment confirmations, and alias-based MID mapping across multiple customer divisions or locations.
To upload FedNow and Real-Time Payments (RTP) Request for Payment (RfP) files to your business bank for either one-time payments or batch recurring payments, you'll follow a structured process. Here’s how you can efficiently manage this, with steps applicable for both types of payments.
Overview
- One-time Payment: A single Request for Payment, sent to a specific payer.
- Batch Payments with Recurring Options: Multiple payments in a single file, with options to schedule or automate recurring payments.
Steps for Uploading FedNow and RTP RfP File for One-time and Batch Recurring Payments
1. Prepare the Payment Data in QuickBooks Online (QBO)
Ensure the payment details in QBO are accurate. For one-time payments, this could be an individual invoice. For batch or recurring payments, you will have multiple invoices and customer data recorded.
2. Install and Configure SecureQBPlugin
Use SecureQBPlugin to export the payment data from QBO in a format your bank can process. SecureQBPlugin supports exporting data as ISO 20022 XML, CSV, or JSON file formats, which are compatible with many banks that support FedNow and RTP.
- Install the plugin and connect it to your QuickBooks Online account.
- Choose the transactions (invoices or payments) you need to process, whether it’s a one-time payment or a batch for recurring payments.
3. Select the Payment Type (One-time or Recurring)
Decide whether you’re processing a one-time payment or scheduling recurring payments.
For One-time Payment:
- Select a single invoice or payment request in QBO.
- Export the payment request in a FedNow-compatible format (ISO 20022 XML, CSV, JSON).
- Use SecureQBPlugin to map fields such as payer information, amount, invoice number, and payment due date.
For Recurring Payments:
- Select multiple invoices or payments in QBO.
- Export a batch payment file (similar to one-time payments but includes multiple transactions).
- Use SecureQBPlugin to configure
recurring options:
- Frequency (daily, weekly, monthly).
- Start and End Date for the recurring payments.
- The batch file will contain all the payers’ details and the scheduled payment requests.
4. Export the File in ISO 20022, CSV, or JSON Format
For both one-time and recurring batch payments, SecureQBPlugin will export the data into the required format that your bank accepts. Here’s an example for each file format:
ISO 20022 (Pain.013) XML for One-time Payment
xml
<Document>
<CstmrCdtTrfInitn>
<GrpHdr>
<MsgId>PAYMENT001</MsgId>
<CreDtTm>2024-09-15T12:00:00</CreDtTm>
<NbOfTxs>1</NbOfTxs>
<CtrlSum>1500.00</CtrlSum>
</GrpHdr>
<PmtInf>
<PmtInfId>PmtInf001</PmtInfId>
<PmtMtd>TRF</PmtMtd>
<ReqdExctnDt>2024-09-15</ReqdExctnDt>
<Dbtr>
<Nm>Customer Name</Nm>
</Dbtr>
<DbtrAcct>
<Id>
<IBAN>US1234567890</IBAN>
</Id>
</DbtrAcct>
<Cdtr>
<Nm>Your Business Name</Nm>
</Cdtr>
<CdtrAcct>
<Id>
<IBAN>US9876543210</IBAN>
</Id>
</CdtrAcct>
<Amt>
<InstdAmt Ccy="USD">1500.00</InstdAmt>
</Amt>
<RmtInf>
<Ustrd>Invoice #INV001</Ustrd>
</RmtInf>
</PmtInf>
</CstmrCdtTrfInitn>
</Document>
CSV for Batch Recurring Payments
csv
MsgId,DebtorName,DebtorIBAN,CreditorName,CreditorIBAN,Amount,Currency,InvoiceNumber,Frequency,StartDate,EndDate
PAYMENTBATCH001,Customer One,US1234567890,Your Business Name,US9876543210,1500.00,USD,INV001,Monthly,2024-09-15,2025-09-15
PAYMENTBATCH001,Customer Two,US2234567890,Your Business Name,US9876543210,2000.00,USD,INV002,Monthly,2024-09-15,2025-09-15
JSON for One-time Payment
json
{
"Payment": {
"MsgId": "PAYMENT001",
"Debtor": {
"Name": "Customer One",
"IBAN": "US1234567890"
},
"Creditor": {
"Name": "Your Business Name",
"IBAN": "US9876543210"
},
"Amount": {
"Currency": "USD",
"Value": 1500.00
},
"RemittanceInformation": "Invoice INV001"
}
}
5. Submit the RfP File to Your Bank
Once the file is ready in the required format (ISO 20022 XML, CSV, or JSON), submit it to your business bank for processing:
One-time Payment:
- Log into your bank’s FedNow or RTP portal.
- Upload the file (XML, CSV, JSON).
- Review the payment details and confirm submission.
- The bank will process the payment request, and the payer (customer) will be notified to complete the payment through the FedNow or RTP system.
Batch Recurring Payments:
- For batch payments, you’ll follow the same process as one-time payments, but the file will contain multiple payers’ details.
- If you’re setting up recurring payments, the bank may provide additional options to configure the frequency and duration of payments.
- Submit the batch file and ensure that the recurring payment schedule is correctly set.
6. Monitor Payment Status
- Use your bank’s portal to monitor the status of payments. You will see real-time updates when the payer responds to the Request for Payment.
- For batch and recurring payments, track the status of each transaction in the batch.
7. Reconcile Payments in QBO
After the payments are processed by your bank, reconcile the payments in QuickBooks Online:
- Use SecureQBPlugin to import the payment confirmations.
- Match the payments to the corresponding invoices or transactions in QBO.
- Confirm that the payment details, including amounts and remittance information, are correct.
8. Automating Future Recurring Payments (Optional)
If your business processes recurring payments regularly:
- Automate the SecureQBPlugin export process by scheduling batch exports.
- Set up automatic file uploads or use your bank’s API to streamline the payment process further.
- Automate reconciliation in QBO by importing payment statuses directly from the bank.
Conclusion
By using SecureQBPlugin to export one-time and batch recurring payment data from QuickBooks Online and uploading it to your business bank, you can efficiently handle real-time payment requests via FedNow and RTP. The process ensures smooth payment flows and accurate record-keeping in QBO, while giving your payers real-time payment options.
Would you like help setting up the recurring payments or generating specific formats?
Upload, Reconcile, and Report in Real Time at TodayPayments.com
Say goodbye to slow payments and manual processes.
✅ Upload ISO 20022-compliant RfP
files with a few clicks
✅ Send and receive
real-time payments via FedNow® and RTP®
✅ Get instant access to reconciliation data and
downloadable Excel reports
✅ Use alias-based MIDs
for easy payer tracking and compliance
✅ Automate
recurring requests and track good funds in real time
✅
Onboard online with zero setup fees or paperwork
Start uploading and tracking your Request
for Payments today at
https://www.TodayPayments.com
Upload Request for
Payments – Simple, Secure, and Always Instant.
Creation Request for Payment Bank File
Call us, the .csv and or .xml FedNow or 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) shows how to implement Create Real-Time Payments Request for Payment File up front delivering a 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 continues through a "Payment Hub", will be the RtP Hub will be The Clearing House, with messaging to the Debtor's (Payer's) bank.
... easily create Real-Time Payments RfP files. No risk. Test with your bank and delete "test" files before APPROVAL on your Bank's Online Payments Platform.
Today Payments is a leader in the evolution of immediate payments. We were years ahead of competitors recognizing the benefits of Same-Day ACH
and Real-Time Payments funding. Our business clients 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.

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. If Merchants has created an existing A/R 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.
Fees = $57 monthly, including Activation, Support Fees and Batch Fee, Monthly Fee, User Fee, Additional Payment Method 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) Payer Routing Transit and Deposit Account Number is NOT required to import with your bank. We add your URI for each separate Payer transaction.
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.
Each day, thousands of businesses around the country are turning their transactions into profit with real-time payment solutions like ours.
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.)
Contact Us for Request For Payment payment processing