Real-Time API with Good Funds Gateway for FedNow® & RTP®

Payment Rails & Formats

• Payment Networks: FedNow®, RTP®
• API Integration: RESTful JSON / ISO 20022 XML
• Supported Channels: POS, MOTO, ecommerce, digital invoicing
• File Uploads: Excel (.xlsx), XML, JSON
• Transaction Types: A2A, B2B, C2B
• Settlement Speed: Instant (under 10 seconds)
• Availability: 24/7/365 including weekends and holidays
• Funds Status: Irrevocable Good Funds (no chargebacks or returns)

Key Real-Time Payment Features for Businesses

1. Hosted Request for Payment (RfP™) Pages

Every RfP includes a secure, branded, mobile-optimized payment page—no development needed.

2. Payee-Initiated Payment Requests

Merchants can trigger payments via API, QuickBooks®, or delivery confirmation—on demand or scheduled.

3. ISO 20022 Messaging Compliance

Each transaction includes structured remittance data for banking, audit, and ERP reconciliation.

4. Alias-Based MID Assignment

Merchants can assign MIDs by department, team, agent, or location for segmented tracking and reconciliation.

5. Batch and Recurring Payment Support

Supports automated recurring payments, billing cycles, and high-volume batch uploads using ISO-compliant formats.

6. Real-Time AR Reconciliation

Once payment is received, the merchant’s ledger is updated instantly, reducing DSO (Days Sales Outstanding).

7. No Chargebacks, No Float

Unlike credit cards or P2P apps, FedNow® and RTP® payments are irrevocable and final—ensuring cash certainty.

FedNow® & RTP® vs Zelle® & Venmo®: Business Payments Comparison

Why Businesses Choose TodayPayments.com for Real-Time API Payments

1. ✅ Get paid instantly through FedNow® or RTP® with zero chargebacks
2. ✅ Enable payee-initiated RfPs using ISO 20022 standards
3. ✅ Assign alias-based MIDs for granular tracking
4. ✅ Upload batch files and automate recurring payment requests
5. ✅ Host secure, branded RfP™ pages—no coding needed
6. ✅ Auto-reconcile payments across QuickBooks®, ERP, and CRM
7. ✅ Onboard online—no bank branch, no delay

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.

Zelle® and Venmo® are for splitting dinner tabs. Your business deserves better.

At TodayPayments.com, we help forward-thinking merchants, platforms, and finance teams unlock real-time payments at scale—with FedNow® and RTP® Good Funds, hosted payment pages, ISO 20022 file uploads, and full API access.

✅ Real-Time API for batch, recurring, and digital invoicing
✅ Hosted RfP™ links via SMS, email, or checkout
✅ Works with POS, MOTO, ecommerce, and QuickBooks®
✅ Always-on funds—no chargebacks, no reversals
✅ Better than Zelle®, Venmo®, ACH, or cards

👉 Visit TodayPayments.com to activate your Good Funds API gateway today.
It’s time to settle instantly—and scale securely.