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Upon Delivery Payments with FedNow® and RTP®: Real-Time Cash Flow for Modern Merchants

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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 deliver instant, secure, and alias-based real-time payment infrastructure for U.S. businesses using FedNow® and RTP® networks — driving liquidity, efficiency, and growth for every invoice.

Real-TimePayments.com is the trusted fintech partner for businesses that need fast, irrevocable payments on delivery. We activate tokenized, alias-based RfP™ merchant accounts across multiple MIDs, enabling real-time settlement from any customer, any time — via SMS, email, hosted link, or QR code. From sole proprietors to enterprise divisions, we unify real-time billing with unmatched reconciliation and cash control.

 

The Age of Real-Time Event-Triggered Payments Has Arrived

For delivery-based businesses, waiting days to receive payments from completed services is outdated. FedNow® and RTP® offer a game-changing solution — Upon Delivery Payments powered by Request-for-Payment (RfP™) infrastructure. With just a scan or tap, merchants can collect irrevocable funds seconds after fulfillment, eliminating delayed payments, bounced checks, and manual invoicing headaches.

This real-time payment model empowers businesses with event-driven cash flow, optimized for industries like logistics, field service, medical delivery, and food commerce.

Top 10 Benefits / Features-Rich Reasons to Choose Premier FedNow® and RTP®

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

  1. Irrevocable Settlement in Seconds – Funds are instantly available and cannot be reversed.
  2. Event-Triggered Invoicing – Send RfP™ upon delivery, fulfillment, or scan — no manual batching.
  3. Alias / Moniker Payments – No routing or account numbers needed; use mobile, email, or EIN.
  4. QR Code Payment Capture – Perfect for in-person deliveries and mobile service teams.
  5. 24/7/365 Good Funds – No waiting for banks to open; settle payments nights, weekends, holidays.
  6. Multi-MID Support – Route payments by location, product line, or subsidiary automatically.
  7. Hosted Payment Links in ISO 20022 RfP™ – Embed clickable links into invoice messages.
  8. Integrated with QuickBooks® Online – Streamline AR sync, tracking, and auto-reconciliation.
  9. Built-in RfP™ Aging Dashboards – Track which requests were viewed, approved, or expired.
  10. Surcharge-Free and PCI-Light – Avoid card fees and reduce compliance burden.

Ask us How:

Businesses can now trigger real-time invoicing immediately upon delivery using alias-based FedNow® or RTP® RfP™ messages. By replacing paper invoices and check handling, merchants receive funds directly and securely the moment service is complete.

Using FedNow® or RTP®, U.S. merchants can collect payments in seconds with zero card processing fees. This eliminates chargebacks, speeds reconciliation, and strengthens cash flow — especially for high-volume delivery or mobile teams.

With tokenized payments and hosted payment pages, businesses can accept real-time payments using email, SMS, QR codes, or embedded invoice links. This enhances customer experience while automating the entire billing cycle.

Whether you serve customers across multiple states or operate regional divisions, Real-TimePayments.com enables each merchant entity to receive and reconcile payments independently. Our multi-MID architecture supports alias-based, instant billing for any scale of operation.

Itemized Parameters, Attributes, Benefits & Features for Businesses

Parameter

Attribute / Feature

RfP™ Network

FedNow® or RTP®

Invoice Format

ISO 20022 XML — Embedded payment URLs and QR codes

Identifier

Alias (Email, Mobile Number, Moniker, EIN)

Trigger Event

Delivery Confirmation, Fulfillment Completion, Customer Scan

Settlement Speed

Instant (less than 10 seconds)

Authorization

Payer Standing Approval (recurring or one-time)

Recurring Payments

Supported via “Set It and Forget It” RTP®/FedNow® approvals

Integration

QuickBooks® Online, SMS, Email, Hosted Web Pages

Reconciliation Tools

Real-Time RfP™ Aging Reports and Auto-Matching

Multi-Location Routing

Multi-MID Enablement for Divisions or Franchises

Conclusion: Get Paid Instantly with Upon Delivery Payments

Stop waiting days to receive money for completed work. With tokenized, alias-driven FedNow® and RTP® real-time payments, your business can invoice customers the moment service is delivered — and get paid seconds later. Whether you’re delivering appliances, repairing HVAC units, or providing telehealth consults, Real-TimePayments.com powers your ability to collect good funds 24/7/365 without cards or paper checks.

It’s faster. It’s cleaner. It’s better for your business.

👉 Visit https://www.Real-TimePayments.com and apply now to activate your “Upon Delivery Payments” merchant account powered by FedNow® and RTP®. Real-time billing has never been this simple.

Speak With a Real-Time Payment Specialist Now

Whether you’re ready to launch FedNow® & RTP® payments or just exploring options, our team is here to answer your questions and guide you toward the best-fit solution.

Call us now: (866) 927-7180

Or… fill out the quick form below and we’ll contact you within 1 business hour.

Creation Request for Payment Bank File

Call us, the .csv and or .xml 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. Request for Payment

... 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.

Pricing with our Request For Payment Professionals

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 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. Create Multiple Templates. Payer/Customer Routing Transit and Deposit Account Number may be required to import with your bank. You can upload or "key data" into our software for File Creation of "Mandatory" general file.

Fees = $57 monthly, including 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 + 1.5% 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.

Contact Us for Request For Payment payment processing