Account-to-Account transactions

ISO 20022 Messaging + Digital Invoicing = Instant and Interoperable Payments

ISO 20022 has become the global standard for payment communication. TodayPayments.com leverages it to enable structured, metadata-rich RfP messages that drive automation, auditing, and compliance.

Platform Capabilities:

• Upload RfP files in .Excel, .XML, or JSON formats
• Send invoices with embedded payment links (.html pages)
• Use aliases like email or mobile numbers for payer/payee ID
• Handle both push and pull transactions over FedNow® or RTP®
• Achieve full interoperability between banks, credit unions, and networks

From ACH to card to real-time transfers, we handle it all — instantly, securely, and seamlessly.

Reconcile with Confidence Using Our Free Excel Template

Alongside our payment tools, we provide a free bank reconciliation worksheet template, customized for your internal finance team. This Excel-based tool maps payments against RfPs and matches cleared transactions — all while syncing with real-time data.

Why Finance Teams Choose TodayPayments.com:

• ✅ Alias-based invoicing (no account numbers required)
• ✅ ISO 20022-ready messaging for structured data integrity
• ✅ Hosted digital payment links for instant settlement
• ✅ Confirmation of Payee to prevent fraud or misrouting
• ✅ Full support for ACH, RTP®, FedNow®, and card fallback
• ✅ Reconciliation-ready files with free templates included

Leveraging Real-TimePayments.com for A2A real-time Account-to-Account payments in the context of recent open banking initiatives can significantly enhance how individuals and businesses manage their financial transactions. Here's a detailed look at how Real-TimePayments.com can facilitate these payments using the open banking framework:

Integration and Functionality

1. API-Driven Connections: Real-TimePayments.com uses APIs to connect with banks under the open banking regulations. This allows for secure and direct access to bank account data with the consent of the account holder, enabling instant A2A transfers.
2. Frictionless Payments: The platform simplifies the payment process by allowing users to make direct bank transfers to and from their accounts without needing to input extensive payment details repeatedly. This system is both user-friendly and reduces the chance of errors.
3. Consent Management: Adhering to open banking standards, Real-TimePayments.com ensures that all transactions are conducted with explicit user consent, maintaining transparency and trust between all parties involved.

Benefits for Users and Businesses

1. Instantaneous Transactions: Utilizing FedNow and RTP systems, Real-TimePayments.com can process transactions almost instantaneously, which is crucial for urgent payments, payroll processing, and settling invoices in real-time.
2. Reduced Transaction Costs: Since A2A payments bypass traditional payment networks, the associated fees are typically lower, making it an economically advantageous option for high-volume transactions.
3. Enhanced Security: The platform employs robust security measures in line with open banking guidelines to protect financial data and transaction details, providing a secure environment for conducting business.
4. Integration with Financial Tools: Real-TimePayments.com can be integrated with existing financial management tools and software, including accounting platforms like QuickBooks, streamlining financial operations and reconciliation processes.
5. 24/7 Payment Processing: The ability to process payments around the clock, even on weekends and holidays, ensures that businesses and individuals can manage their finances without delay.

Real-World Applications

• E-commerce: Retailers can receive payments directly from customers’ bank accounts at the point of sale, improving cash flow and reducing reliance on credit card processors.
• Gig Economy Payments: For gig and freelance workers, receiving payments via Real-TimePayments.com can mean immediate access to funds, which is essential for managing personal cash flow.
• B2B Supply Chain: Businesses can pay suppliers instantly, ensuring that operations run smoothly without the typical delay associated with traditional payment methods.

Using Real-TimePayments.com, integrated with FedNow and RTP under the open banking initiative, creates a streamlined, secure, and efficient payment environment that benefits all stakeholders involved in financial transactions. This approach not only simplifies the transaction process but also encourages financial innovation and enhances the overall financial experience for users.

Power Your A2A Payments with Certainty and Speed

Still stuck managing separate systems for internal and external transfers?
With TodayPayments.com, you can unify every A2A transaction into a real-time, secure, and ISO-compliant experience.

✅ Upload RfP files using Excel, XML, or JSON
✅ Deliver payment links by text, email, or digital invoice
✅ Accept FedNow®, RTP®, ACH, or credit card payments
✅ Validate payees with Confirmation of Payee
✅ Reconcile payments automatically with free templates
✅ Confirm “Good Funds” in real time

👉 Start automating your A2A payments today at TodayPayments.com — where your receivables flow faster, smarter, and with full transparency.