One-Time Payments is actually provided by Today Payments, Inc. It is positioned as a payment service for U.S. businesses around FedNow, The Clearing House RTP, and Request for Payment (RfP). It is not a bank; it is closer to an “accounting/file-generation and payment gateway” tool that sits between a company’s accounts receivable system, online banking platform, and real-time payment networks. It helps billers create RfP files in ISO 20022, CSV, or XML formats, and can also accept multiple payment methods through a hosted payment page.
The site emphasizes the real-time, final, and irrevocable nature of FedNow/RTP payments, with 24/7/365 fund availability. The currently mentioned transfer limit is $500,000. Use cases include POS, MOTO, ecommerce, digital invoices, and online bill payments, with ACH, cards, mobile wallets, and A2A account transfers also mentioned. Its main strengths are RfP file generation, bulk bank file uploads, ISO 20022 PAIN.013 messages, SMS/email notifications, and online reporting.
Pricing is disclosed in relatively specific terms: the free PDF file format comes with no support; standard CSV/XML file creation costs $57/month, plus $0.03 per transaction and 1% of the total file amount; QuickBooks Online integration costs an additional $29/month; the full ISO 20022 solution with 600+ fields is quote-based. On the integration side, it covers POS, MOTO, ecommerce, invoicing systems, accounting software, QuickBooks Online, banking platforms, Virtual Terminal, and Dashboard, but the main text does not provide API documentation, SDKs, webhook mechanisms, or an SLA.
The website says it must comply with financial regulations and securely handle payment information. The Terms indicate that application information may be shared with third-party Providers, and that consumer reports or public records may be obtained as permitted by law for identity verification. However, it does not disclose specific payment licenses, SOC/PCI certifications, KYC/AML processes, fraud risk-control models, or dispute-handling details. Since it is explicitly not a bank, actual availability will depend on the business’s bank or credit union and whether that institution supports FedNow/RTP/RfP.
This service is better suited to U.S.-based B2B/B2C billers, accounts receivable teams, and businesses that want to reduce check/ACH waiting times and collect payments in real time via FedNow/RTP. It is especially relevant for merchants that already have banking relationships and need bulk RfP files or QuickBooks Online integration. Access from China is not mentioned in the main text and is therefore unknown. For Chinese merchants, the service’s dependence on U.S. domestic banking is significant; alternatives to consider include Stripe, Adyen, PayPal/Braintree, Bill.com, or real-time payment solutions offered directly by U.S. banks.
⚠ 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 one-timepayments.com official site.
one-timepayments.com is an United States Payments provider. TG4G tracks its product information, an overall rating of 5.0/10, and a China-accessibility score of Limited (proxy recommended). Click "Visit Official Site" to reach one-timepayments.com directly.