Real-Time API

Biller's login - Hosted Payments Page
Real-Time Payments Gateway


Real-Time API

How to use Real-Time API

Real-Time API and Real-Time instant payments, are defined simply as: Irrevocably collected funds in a bank account and usable immediately by the owner of the account. Our "Good Funds" payment gateway allows for instant real-time digital payments that are immediate, irrevocable, intra-bank and/or interbank, B2B, B2C and C2B account-to-account (A2A) transfers that utilize a real-time messaging system connected to every transaction participant through all U.S.-based financial institutions.

Attributes of Real-Time API for your business using instant payments

Implementing interoperability between FedNow, RTP (Real-Time Payments), and various payment channels like digital POS, E-commerce, and MOTO (Mail Order/Telephone Order) through Real-TimePayments.com can greatly enhance the efficiency and responsiveness of payment systems. Utilizing the Real-Time API provided by Real-TimePayments.com, businesses can ensure seamless transaction processing across different platforms. Here's how this can be achieved:

Overview of the Integration Process

  1. API Integration: The first step is integrating the Real-Time API from Real-TimePayments.com into the existing payment systems of the business. This API will facilitate the connection between the merchant's platforms (POS, E-commerce, MOTO) and the RTP and FedNow networks.
  2. Interoperability Setup: Ensure that the API is capable of handling multiple payment protocols (FedNow and RTP) and can seamlessly switch or choose between them based on the transaction requirements and network availability.
  3. Security Measures: Implement robust security measures to protect transaction data and comply with financial regulations. This includes encryption, secure authentication, and continuous monitoring of transactions.

Application Across Various Channels

  • Digital POS: For point-of-sale systems in physical stores or at events, the Real-Time API can enable immediate payment processing. This setup reduces wait times for customers and improves the transaction flow, enhancing customer satisfaction.
  • E-commerce: Integrate the Real-Time API into the checkout processes of online stores. This allows customers to make instant payments using their preferred bank accounts, connected via FedNow or RTP, providing a frictionless shopping experience.
  • MOTO: For sales conducted over the phone or by mail, the API can process payments immediately as orders are taken. This capability is especially valuable for businesses that deal with high call volumes or remote sales, as it ensures quick and secure transaction processing.

Technical Considerations

  1. Multi-Protocol Support: The API should be designed to handle different types of payment protocols, ensuring compatibility with both FedNow and RTP. This includes handling unique aspects of each protocol, such as message formats and response handling.
  2. Transaction Monitoring and Reporting: Implement real-time monitoring and reporting capabilities to track every transaction processed through the API. This helps in quickly resolving any issues and provides valuable data for improving service performance.
  3. Scalability and Performance: Ensure that the API and its implementation are scalable to handle increasing volumes of transactions, especially during peak times for E-commerce and POS transactions.
  4. Compliance and Regulatory Adherence: Regularly update the system to comply with the latest financial regulations and standards, including those specific to RTP and FedNow networks. This includes privacy regulations concerning customer data.

Benefits of Using Real-TimePayments.com API

  • Speed and Reliability: Transactions are processed in real-time, which is crucial for maintaining cash flow and customer trust.
  • Reduced Costs: By using direct bank transfers through RTP and FedNow, merchants can avoid the higher fees associated with traditional credit card networks.
  • Enhanced Customer Experience: Providing customers with quick and easy payment options can lead to increased satisfaction and loyalty.
By leveraging the Real-Time API from Real-TimePayments.com for interoperability between FedNow, RTP, and various payment channels, businesses can significantly enhance their payment systems. This modern approach not only streamlines operations but also positions the business at the forefront of financial technology innovation.

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. Request for Payment

... easily create Instant 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

hand shake

 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 .csv or .xml data for completed ISO 20022 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. Using your invoice information database to create an existing Accounts Receivable 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. Use either the Routing Number and Account Number for your Customers or use "Alias" name via Mobile Cell Phone and / or Email address.

Fees = $57 monthly, including Activation, Support Fees and Batch Fee, Monthly Fee, User Fee. We add your URI for each separate Payer transaction for additional Payment Methods 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) Add integrating QuickBooks Online "QBO" using FedNow Real-time Payment using our Real-Time API system.

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