TodayPayments.com offers a real-time collection solution based on Request for Payment (RfP), built around the two U.S. real-time payment rails, FedNow® and RTP®. It enables merchants to send payment requests to customers via SMS/Text, QR codes, email invoices, or mobile-friendly invoices. Its positioning is a merchant-focused digital invoicing and mobile-first real-time payments platform, emphasizing instant settlement, A2A transfers, irrevocable Good Funds, and no credit-card-style chargebacks.
The platform supports ISO 20022 RfP and remittance data. Payment requests can be initiated through SMS, QR codes, Email, and In-App Invoice, and the system can be used for POS, MOTO, automated billing, recurring charges, and remote invoicing. The stated payment rails are RTP® and FedNow®, with transaction types covering B2B, C2B, and B2C A2A Credit & Debit. The site also mentions concepts such as Virtual Card, credit card surcharges, service fees, and convenience fees, as well as workflows for configuring FedNow, discounts, and surcharge items in QuickBooks Online.
Its commercial model is positioned as “free-to-merchant”: the payer covers the payment processing fee or surcharge, while the merchant receives the full invoice amount. The page gives examples such as setting a 2% discount for FedNow and a 2% surcharge for credit cards, but these appear more like configuration examples than official platform pricing. For settlement, the text says funds are deposited into the merchant’s bank account within seconds after payer approval, with 24/7/365 real-time settlement, no reversals, and no chargebacks.
On compliance, the page states that real-time payment surcharges are not prohibited at the federal level and are allowed in most states, provided the fees are transparently displayed and approved by the customer. However, it does not disclose specific licenses, regulatory registrations, banking partners, or security certifications, so businesses should still conduct state-law, industry, and contractual reviews before adoption. Its risk-control advantages mainly come from the finality of A2A payments, irrevocable funds, and complete remittance data, rather than a traditional anti-fraud engine. For integration, it mentions API invoicing, POS/eCommerce/MOTO, and QuickBooks Online, but provides limited detail on API documentation, webhooks, SDKs, and related technical resources.
The strengths are fast settlement, low chargeback risk, suitability for mobile collection and remote invoicing, and the potential to reduce merchant fee burden. The drawbacks are reliance on bank support for FedNow/RTP, less universal coverage than card networks, and limited public information on pricing, licensing, and technical documentation. It is better suited to U.S.-based field services, delivery businesses, contractors, consultants, subscription billing, and merchants that need faster cash collection.
The page does not provide information on access from China, cross-border merchants, or RMB settlement, so china_access can only be assessed as unknown. For China-based teams collecting payments from U.S. customers, it may be considered as a U.S.-domestic A2A real-time payment option. If global card acquiring or cross-border payments are required, solutions such as Stripe, PayPal, Square, Bill.com, and Dwolla may be more mature.
⚠ This review is compiled from public sources and does not constitute a purchase recommendation. Verify all facts on the vendor's official site. Verify on freerealtimepayments.com official site.
freerealtimepayments.com is an United States Payments provider. TG4G tracks its product information, an overall rating of 6.0/10, and a China-accessibility score of Limited (proxy recommended). Click "Visit Official Site" to reach freerealtimepayments.com directly.