Real-Time Payments Gateway


Real-Time API


What is 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.

Real-Time API for your business using Real-Time Payments

Implementing Real-TimePayments.com's real-time API for digital Point of Sale (POS), E-commerce, and Mail Order/Telephone Order (MOTO) platforms can significantly enhance transaction capabilities, offering instant processing and improved customer experience. Here’s how to effectively use this technology across these various platforms:

Digital POS Integration

  1. API Setup: Incorporate Real-TimePayments.com's API into your existing POS software. This will enable real-time transaction processing directly at the point of sale, whether in-store or during remote sales events.
  2. User Interface: Ensure that the POS interface is user-friendly, displaying real-time payment options clearly and allowing staff to process payments efficiently.
  3. Hardware Compatibility: Check that the API integration is compatible with existing POS hardware, such as card readers and mobile devices, to ensure seamless operation.

E-commerce Integration

  1. Payment Gateway Integration: Integrate the real-time API into your online store’s payment gateway. This allows customers to select real-time payment options at checkout, facilitating instant payments and confirming transactions immediately.
  2. Security Measures: Implement robust security protocols, such as SSL encryption and PCI DSS compliance, to protect transaction data and customer information.
  3. Checkout Optimization: Design the checkout process to be as streamlined as possible, minimizing the number of steps customers need to complete a purchase, thereby reducing cart abandonment rates.

MOTO Integration

  1. Transaction Processing: Use Real-TimePayments.com's API to process payments instantly when orders are placed over the phone or by mail. The API should allow for quick entry of payment details and immediate confirmation of transaction approval.
  2. Verification Features: Incorporate tools to verify customer identity and validate transaction authenticity in real time to reduce the risk of fraud, which is typically higher in MOTO transactions.
  3. Integration with Customer Service: Ensure the API is integrated into the customer service platform, allowing representatives to manage transactions efficiently during customer interactions.

General Implementation Steps

  1. API Configuration: Configure the API to communicate seamlessly with your systems across all platforms—POS, E-commerce, and MOTO. This involves setting up the endpoints, security protocols, and response handling mechanisms.
  2. Testing and Validation: Rigorously test the API integration in a sandbox environment to ensure it functions correctly across all scenarios. Validate security features, transaction speed, and error handling capabilities.
  3. Training and Documentation: Provide comprehensive training for all staff members who will be using the system. Prepare detailed documentation on transaction procedures and troubleshooting guidelines.
  4. Launch and Monitor: Launch the integration and continuously monitor the system for any issues. Set up alerts for transaction failures or security breaches and have a dedicated team ready to respond to such incidents.

Benefits of Using Real-TimePayments.com API

  • Speed: Transactions are processed in real time, which is crucial for enhancing customer satisfaction and improving cash flow management.
  • Efficiency: Reduces the time spent on transaction processing and eliminates delays typically associated with traditional payment methods.
  • Security: Built-in security features minimize the risk of fraud and ensure that customer data is protected.
  • Scalability: The API is scalable and can handle increases in transaction volume without significant changes to the existing infrastructure.

By leveraging Real-TimePayments.com's real-time API across digital POS, E-commerce, and MOTO platforms, businesses can significantly enhance their operational efficiency and customer transaction experience. This integration not only speeds up the transaction process but also offers robust security and scalability, adapting to business growth and evolving market demands.

Creation Request for Payment Bank File

Call us, the .csv and or .xml Real-Time Payments (RTP) 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 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 .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