
A2A Payment
A2A Payment – Real-Time ISO 20022 Transfers Using Alias-Based Routing account-to-account
A2A Payments, or Account-to-Account transfers, are digital real-time transactions that allow funds to be moved between financial accounts instantly. Backed by FedNow® and RTP®, A2A payments represent a modern evolution in digital finance, designed for good funds transfers—meaning the money is irrevocable and immediately available to the receiving party.
The Simplicity and Power of A2A Real-Time Payments
A2A payments are defined as:
Irrevocably collected funds in a bank account, usable immediately
by the account owner.
These payments are instant, intra-bank or interbank, and powered by ISO 20022 messaging, enabling structured data, security, and traceability. Our "Good Funds" payment gateway enables users to send and receive A2A payments using alias identifiers such as mobile number, SMS, or email—no need for full account details.
Each transaction flows securely through U.S.-based financial institutions via real-time, ISO-compliant messaging protocols that ensure visibility and accuracy from start to finish.
Key Benefits and Features of A2A Payments:
- Instant availability of good funds after payment approval
- Alias-based routing for both payers and payees
- Compatible with mobile, SMS, email, and account number identifiers
- Full ISO 20022 data support for pain.001, pain.013, etc.
- Static and variable recurring payments supported
- Batch importing and uploading of RfP files via FinTech dashboards
- Excel report generation for aging and reconciliation
- Hosted Payment Page for customer-initiated payment approvals
- No chargebacks, no returns, no settlement delays
- Available to all banks and credit unions in the U.S.
How A2A Payments Work Using ISO 20022 and Alias Identifiers
A2A payments are initiated through a structured Request for Payment (RfP) and routed through real-time rails like FedNow® or RTP®. These payments support static amounts (e.g., subscriptions) and variable payments (e.g., usage-based billing).
Using ISO 20022 XML file formats, each payment request includes metadata like transaction purpose, amount, payer ID, and alias. Once sent, the payer receives a secure payment link or mobile alert to approve the payment instantly. Upon confirmation, funds are settled and available in the recipient's account within seconds.
Aliases like mobile numbers and email addresses serve as flexible identifiers, streamlining payments and improving user experience.
Upload, Import, and Manage A2A Payments Through FinTech Dashboards
FinTechs and payees can securely import and export A2A payment files through advanced dashboards connected to all U.S. financial institutions.
The platform allows businesses to:
- Upload ISO 20022-compliant RfPs in batch or individually
- Assign unique aliases for customers and clients
- Track all transactions in real time via dashboard and downloadable Excel logs
- Automate recurring billing workflows
- Customize Hosted Payment Pages for approval by SMS or email
- Download reconciled AR aging reports sorted by date, MID, or payer alias
Whether you're a utility company, SaaS platform, e-commerce merchant, or financial institution, this model provides speed, security, and real-time accuracy.
Using a platform like Real-TimePayments.com for facilitating FedNow and RTP (Real-Time Payments) for Account-to-Account (A2A) payment systems can streamline inter-bank transfers significantly. Here’s how it benefits both Business-to-Business (B2B) and Consumer-to-Business (C2B) transactions:
1. Immediate Transaction Processing: Both FedNow and RTP enable immediate processing of transactions. This is crucial for businesses that depend on timely payments to maintain cash flow and operational efficiency.
2. 24/7 Availability: Unlike traditional banking hours, FedNow and RTP operate 24/7, allowing businesses and consumers to execute transactions outside of regular banking hours, including weekends and holidays.
3. Enhanced Cash Flow Management: Real-time processing of payments allows businesses to better manage their cash flow. This is especially important in B2B transactions where large sums and tight cash management are common.
4. Security and Trust: FedNow and RTP are designed with strong security protocols to safeguard the movement of funds. This builds trust among businesses and consumers alike.
5. Integration and Usability: Platforms like Real-TimePayments.com can integrate these payment functionalities into existing systems, providing a seamless user experience. This integration is particularly beneficial for businesses that need to automate their payment processes and require reliable, real-time transaction data for accounting and financial management.
6. Error Reduction: Real-time processing reduces the risk of errors and payment discrepancies, which are more common in traditional batch processing systems.
7. Immediate Confirmation: Both parties receive instant confirmation of the transaction, which is beneficial for immediate reconciliation and record-keeping.
By leveraging services like Real-TimePayments.com for A2A inter-bank transfers via FedNow and RTP, businesses and consumers can achieve a higher level of efficiency and security in their financial transactions. This system supports a broad spectrum of payments, including one-time and recurring payments, enhancing the flexibility of financial operations for B2B and C2B sectors.
Start Processing Real-Time A2A Payments at TodayPayments.com
Don't wait days for ACH batches or card settlements.
✅ Enable real-time A2A payments
with FedNow® and RTP®
✅ Use mobile, SMS, or email
aliases to send and receive instantly
✅ Eliminate
bank visits, chargebacks, and paper invoices
✅
Automate recurring payments with structured ISO 20022 messaging
✅ Download Excel reports for reconciliation and audit
compliance
✅ Onboard digitally—100%
online, no setup fees
Experience good funds at the speed of
now—start with
https://www.TodayPayments.com
A2A Payments –
Real-Time, Real Simple, Real Secure.
Creation Request for Payment Bank File
Call us, the .csv and or .xml FedNow or Request for Payment (RfP) file you need while on your 1st phone call! We guarantee our reports work to your Bank and Credit Union. We were years ahead of competitors recognizing the benefits of RequestForPayment.com. We are not a Bank. Our function as a role as an "Accounting System" in Open Banking with Real-Time Payments to work with Billers to create the Request for Payment to upload the Biller's Bank online platform. U.S. Companies need help to learn the RfP message delivering their bank. Today Payments' ISO 20022 Payment Initiation (PAIN .013) shows how to implement Create Real-Time Payments Request for Payment File up front delivering a message from the Creditor (Payee) to it's bank. Most banks (FIs) will deliver the message Import and Batch files for their company depositors for both FedNow and Real-Time Payments (RtP). Once uploaded correctly, the Creditor's (Payee's) bank continues through a "Payment Hub", will be the RtP Hub will be The Clearing House, with messaging to the Debtor's (Payer's) bank.
... easily create Real-Time Payments RfP files. No risk. Test with your bank and delete "test" files before APPROVAL on your Bank's Online Payments Platform.
Today Payments is a leader in the evolution of immediate payments. We were years ahead of competitors recognizing the benefits of Same-Day ACH
and Real-Time Payments funding. Our business clients receive faster
availability of funds on deposited items and instant notification of
items presented for deposit all based on real-time activity.
Dedicated to providing superior customer service and
industry-leading technology.

1) Free ISO 20022 Request for Payment File Formats, for FedNow and Real-Time Payments (The Clearing House) .pdf for you manually create "Mandatory" (Mandatory .csv or .xml data for completed ISO 20022 file) fields, start at page 4, with "yellow" highlighting. $0.0 + No Support
2) We create .csv or .xml formatting using your Bank or Credit Union. Using your invoice information database to create an existing Accounts Receivable file, we CLEAN, FORMAT to FEDNOW or Real-Time Payments into CSV or XML. Create Multiple Templates. You can upload or "key data" into our software for File Creation of "Mandatory" general file. Use either the Routing Number and Account Number for your Customers or use "Alias" name via Mobile Cell Phone and / or Email address.
Fees = $57 monthly, including Activation, Support Fees and Batch Fee, Monthly Fee, User Fee. We add your URI for each separate Payer transaction for additional Payment Methods on "Hosted Payment Page" (Request for file with an HTML link per transaction to "Hosted Payment Page" with ancillary payment methods of FedNow, RTP, ACH, Cards and many more!) + $.03 per Transaction + 1% percentage on gross dollar file,
3) Add integrating QuickBooks Online "QBO" using FedNow Real-time Payment using our A2A Payment system.
Fees Above 2) plus $29 monthly additional QuickBooks Online "QBO" formatting, and "Hosted Payment Page" and WYSIWYG
4) Above 3) plus Create "Total" (over 600 Mandatory, Conditional & Optional fields of all ISO 20022 Pain .013) Price on quote.
Each day, thousands of businesses around the country are turning their transactions into profit with real-time payment solutions like ours.
Contact Us for Request For Payment payment processing