realtimevoicepay.com

What It Is

Real-Time Voice Pay is offered by Today Payments, Inc. and is positioned around real-time payments via FedNow and The Clearing House RTP, Request for Payment file generation, and hosted payment page services. The site clearly states that it is not a bank; instead, in open banking and real-time payment scenarios, it plays a role similar to an “Accounting System,” helping billers create RfP, CSV, or XML files that can be uploaded to bank platforms.

Core Capabilities

The service focuses on real-time A2A payments in the United States: FedNow/RTP supports 24/7/365 credit push payments that are immediately available, final, and irrevocable. Features include ISO 20022 PAIN.013 files, 145-character messages, online real-time reporting, a virtual terminal, SMS/email notifications, a Hosted Payment Page, and formatted integration with QuickBooks Online. In addition to FedNow/RTP, the hosted page also mentions auxiliary payment methods such as ACH and Cards. Its coverage is primarily within the U.S. financial institution ecosystem, so it should not be broadly interpreted as a cross-border acquiring solution.

Pricing and Costs

Pricing is disclosed in relatively specific terms: the free PDF template includes no support; basic CSV/XML file creation costs $57/month and includes activation, support, batch processing, monthly fees, and user fees, with an additional $0.03 per transaction plus 1% of the total file amount; the QuickBooks Online module costs an extra $29/month; and the full ISO 20022 solution with over 600 fields is quote-based. This may be acceptable for small-ticket batch billing, but for large-value payments, the 1% gross dollar file cost needs careful calculation.

Pros and Cons

Its strengths lie in its focus on early enterprise adoption pain points for FedNow/RTP, especially bank RfP file formats, accounts receivable data cleanup, hosted payment pages, and QuickBooks connectivity. The drawbacks are that the site does not disclose specific licenses, banking partners, API documentation, SLAs, or a complete risk control framework. Its non-bank status means that clearing and compliance execution depend heavily on banks, credit unions, or third-party providers.

Who It’s For and Access from China

It is better suited to U.S.-based billers, accounts receivable teams, companies that need to upload FedNow/RTP RfP files to banks, and merchants looking to connect QuickBooks invoices with real-time payments. The text does not provide information on access from China, so this remains unknown. If the business entity, bank account, and collection scenario are not U.S.-based, Stripe, Adyen, PayPal, Dwolla, or a bank’s own FedNow/RTP corporate online banking solution may be more feasible.