Create Real-Time Payments File

Support for Batch, One-Time, and Recurring Transactions in Any Format

Whether you're issuing recurring bills, payroll distributions, or ad-hoc payments, TodayPayments.com simplifies the process with robust file format compatibility and repeatable workflows.

We support:

• One-time payments for invoices, vendor disbursements, or refunds
• Recurring payments for subscriptions, salaries, or scheduled payouts
• Batch uploads for mass transactions to multiple recipients

Our platform accepts:

• ���� .Excel — Easy to use and perfect for manual uploads
• ���� .XML — Ideal for core banking and ERP integration
• ���� .JSON — For real-time API and software-based payment processing

Each file is structured using ISO 20022-rich data messaging, allowing instant credit delivery and detailed audit trails.

Send RfPs via Mobile, SMS, or Digital Invoicing with Funding Certainty

What makes Request for Payment (RfP) powerful isn’t just the speed—it’s the certainty it provides to the payee. With TodayPayments.com, you can issue RfPs through:

• ���� Mobile applications
• ���� SMS/text payment links
• ���� Email-based digital invoices

Each request carries structured metadata, such as invoice numbers, amounts, and due dates, and allows recipients to approve and fund the payment in seconds—eliminating delays and manual tracking.

✅ Real-time visibility
✅ Full remittance details
✅ Instant settlement
✅ Seamless reconciliation

To create a Real-Time Payments (RTP) file using different formats such as ISO 20022, XML, CSV, and JSON, here’s a breakdown of how to generate files in each format for Real-Time Payments using the right coding structures.

1. ISO 20022 (XML-based)

ISO 20022 is the global standard for financial messages, especially used in systems like FedNow or SWIFT. The message type for Real-Time Payments under ISO 20022 could be pain.001 for customer-initiated payments or pain.013 for requests for payment.

Example: Creating a Payment Instruction in ISO 20022 XML Format (pain.001)

<?xml version="1.0" encoding="UTF-8"?>

<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03">

  <CstmrCdtTrfInitn>

    <GrpHdr>

      <MsgId>RTP123456789</MsgId>

      <CreDtTm>2023-09-13T10:00:00</CreDtTm>

      <NbOfTxs>1</NbOfTxs>

      <CtrlSum>100.00</CtrlSum>

      <InitgPty>

        <Nm>Sender Name</Nm>

      </InitgPty>

    </GrpHdr>

    <PmtInf>

      <PmtInfId>Payment123456</PmtInfId>

      <PmtMtd>TRF</PmtMtd>

      <BtchBookg>false</BtchBookg>

      <NbOfTxs>1</NbOfTxs>

      <CtrlSum>100.00</CtrlSum>

      <PmtTpInf>

        <SvcLvl>

          <Cd>SEPA</Cd>

        </SvcLvl>

      </PmtTpInf>

      <Dbtr>

        <Nm>Debtor Name</Nm>

        <PstlAdr>

          <Ctry>US</Ctry>

        </PstlAdr>

      </Dbtr>

      <DbtrAcct>

        <Id>

          <IBAN>US123456789012345678</IBAN>

        </Id>

      </DbtrAcct>

      <Cdtr>

        <Nm>Creditor Name</Nm>

        <PstlAdr>

          <Ctry>US</Ctry>

        </PstlAdr>

      </Cdtr>

      <CdtrAcct>

        <Id>

          <IBAN>US987654321098765432</IBAN>

        </Id>

      </CdtrAcct>

      <Amt>

        <InstdAmt Ccy="USD">100.00</InstdAmt>

      </Amt>

    </PmtInf>

  </CstmrCdtTrfInitn>

</Document>

2. XML Format (Non-ISO 20022)

If you are working with a more simplified XML format for Real-Time Payments, here’s an example that can be customized as per your payment system:

<?xml version="1.0" encoding="UTF-8"?>

<RealTimePayment>

  <Transaction>

    <TransactionID>RTP12345</TransactionID>

    <Amount currency="USD">100.00</Amount>

    <Sender>

      <Name>John Doe</Name>

      <AccountNumber>123456789</AccountNumber>

    </Sender>

    <Receiver>

      <Name>Jane Smith</Name>

      <AccountNumber>987654321</AccountNumber>

    </Receiver>

    <PaymentDate>2023-09-13</PaymentDate>

  </Transaction>

</RealTimePayment>

3. CSV Format

A CSV (Comma Separated Values) format is a simple format where the payment details are stored as rows of data.

Example: CSV Format for Real-Time Payment

TransactionID,SenderName,SenderAccountNumber,ReceiverName,ReceiverAccountNumber,Amount,Currency,PaymentDate

RTP12345,John Doe,123456789,Jane Smith,987654321,100.00,USD,2023-09-13

In this case, you can easily import/export this CSV file from various financial systems.

4. JSON Format

JSON (JavaScript Object Notation) is commonly used in web-based systems and API-driven integrations.

Example: JSON Format for Real-Time Payment

{

  "RealTimePayment": {

    "TransactionID": "RTP12345",

    "Amount": {

      "currency": "USD",

      "value": "100.00"

    },

    "Sender": {

      "Name": "John Doe",

      "AccountNumber": "123456789"

    },

    "Receiver": {

      "Name": "Jane Smith",

      "AccountNumber": "987654321"

    },

    "PaymentDate": "2023-09-13"

  }

}

Key Considerations:

• ISO 20022 XML is the standard for financial messaging in real-time payments. Use this for official payment networks like FedNow or SWIFT.
• CSV and JSON are simpler formats that are often used for easy data exchange between systems, especially if the financial system does not require strict adherence to ISO standards.
• XML (Non-ISO 20022) is used when a more flexible XML schema is acceptable, particularly in smaller networks or custom payment systems.

How to Implement:

• Integration with Financial Systems: Most payment platforms, such as QuickBooks, banks, or custom financial systems, can process these formats depending on their capabilities.
• APIs: If you’re sending these formats to a real-time payment platform, ensure you’re using the platform's API or secure file transfer method.

Let TodayPayments.com know if you need more specific details or help integrating these formats into your system!

Real-Time Payment Files, Instant Uploads, and Payment Certainty—Only at TodayPayments.com

Why settle for outdated ACH uploads or delayed payments?

With TodayPayments.com, you gain:

• ���� The power to create and upload FedNow® and RTP® RfP files to all credit unions
• ���� Full support for one-time or recurring payments, B2B and C2B
• ���� Flexible file formats: Excel, XML, and JSON—all ISO 20022-compliant
• ���� Mobile, text, and invoicing support with real-time funding confirmation

���� Modernize your payment operations and give your payees what they want most: certainty.

���� Visit TodayPayments.com and experience the future of real-time payments—today.