payupondelivery.com

What It Is

TodayPayments.com’s Pay Upon Delivery is a real-time collect-on-delivery payment solution for merchants. Its core idea is to use RTP® and FedNow® to initiate a Request for Payment (RfP) when goods are delivered or a service is completed. After the customer confirms the payment in their mobile banking app or payment interface, funds are deposited into the merchant’s account in real time. The page emphasizes that these are irrevocable Good Funds, making the solution suitable for both one-off orders and recurring delivery scenarios.

Core Capabilities and Payment Methods

The solution supports channels such as POS, MOTO, Ecommerce, and on-site apps, covering A2A, B2B, and C2B payment types. In addition to FedNow® and RTP®, the main text also mentions that Hosted Payment Pages can support ACH, cards, and BNPL. Its key strength is connecting delivery confirmation, payment requests, customer authorization, fund transfer, notifications, and reconciliation into a single workflow. It can also integrate with invoicing, accounting, and delivery systems via ISO 20022, XML, JSON, and Excel-compatible formats.

Pricing, Settlement, and Compliance

The page does not disclose specific rates, transaction fees, monthly fees, or minimum charges, so cost transparency is limited. Settlement details are clearer: funds arrive in real time, typically in under 10 seconds, with finality. On compliance and risk control, the text mentions AML, KYC, PCI DSS, merchant due diligence, underwriting, real-time monitoring, machine-learning fraud detection, encryption, and tokenization. However, it does not disclose specific licenses, regulators, or bank coverage.

Pros, Cons, and Best Fit

The advantages are fast settlement, no traditional card chargeback risk, automated reconciliation, and Hosted Payment Pages that lower the barrier for no-code integration. It is especially attractive for cash-flow-sensitive businesses such as delivery, in-home repair, food, equipment, subscription services, and mobile technicians. The drawbacks are the lack of pricing information, unclear bank and regional support, and limited detail on service experience, SLA, and customer support channels. Its capabilities also depend on whether the payer’s bank supports RTP®/FedNow® and RfP.

Access from China and Alternatives

The source text does not provide information on access from mainland China, so availability is unknown. Since FedNow® and RTP® are U.S. real-time payment infrastructures, this solution is more likely aimed at U.S.-based merchants and bank account scenarios. Chinese merchants handling cross-border acquiring would typically still need to compare options such as Stripe, Adyen, PayPal, Square, or bank ACH/real-time payment solutions.