Aging RfP Request for Payments
TodayPayments.com is the modern
merchant’s partner for smart, digital invoicing using Aging Request
for Payments (RfP). We make it easy to batch upload, communicate
with payers in real-time, and reconcile instantly using ISO
20022-rich data formats. Our mission is to automate receivables,
reduce payment delays, and provide free plug-and-play tools to power
every business—from startups to high-volume enterprises. At
TodayPayments.com, we turn your aging receivables into real-time
results.
Streamline Aging RfP with SMS, Email & Text-Based Invoicing
In the era of real-time digital finance,
traditional invoicing methods are being replaced by agile, automated
Request for Payment (RfP) systems. Businesses, freelancers, and
enterprises alike are now harnessing Aging RfP technologies
to send timely digital invoices via SMS, email, and texting—streamlining
payment communications between Payees and Payers. With batch
upload capabilities and ISO 20022 rich data formatting, merchants
can now simplify their payment cycles, reduce aging receivables, and
gain instant insight into collections—all with the support of
free reconciliation tools and aging reports from
TodayPayments.com.
Aging Requests for Payment (RfP) help track and
trigger overdue invoices through modern communication channels.
Whether your payers prefer email, mobile text, or even embedded
links in their smartphone messages, digital invoicing via RfP
offers:
- Easy payment reminders for overdue
invoices
- Real-time engagement through text-based
delivery
- Configurable messages that include invoice
aging, due dates, and payment links
- A clear audit trail between Payee and
Payer
This frictionless invoicing model reduces
missed payments and improves A/R visibility across the board.
Batch Upload, Download & Reporting with ISO 20022 Rich Data
Gone are the days of manual payment
matching. Using ISO 20022 messaging, businesses can
structure digital invoice data into uploadable and
downloadable batch formats that speak the same language as
banks and credit unions. Features include:
- Upload of Aging RfP files using XML,
Excel, or JSON schemas
- Download of reconciliation reports
with real-time payment statuses
- Full support for recurring or
one-time batch billing
- Seamless integration with financial
institutions across the FedNow® and RTP® networks
Every batch upload delivers precision, and
every batch download returns transparency—allowing you to
manage aging payments with clarity.
Free Templates: A/R Aging & Bank
Reconciliation—Ready to Use

✅ "FREE" RfP Aging & Real-Time Payments Bank Reconciliation – with all merchants process with us.

To support merchants and finance teams of
all sizes, TodayPayments.com offers free downloadable
templates, including:
- Aging Accounts Receivable
Worksheet: Pre-built with 15, 30, 60, 90+ day tracking
- Bank Reconciliation Templates:
Instantly match payments with deposits across batches
- ISO 20022 File Format Samples:
Plug-and-play structures for batch uploads and RfP message
testing
Whether you’re a startup, high-risk
merchant, or enterprise processor, these templates help you
reduce Days Sales Outstanding (DSO) and ensure payment
certainty.
Creating a spreadsheet that
allows payees to match, merge, and clear Request for
Payments (RfP) within the context of Accounts Receivable
(A/R) involves structuring the spreadsheet for
collaboration. Here's a guide on how to set up such a
spreadsheet:
Spreadsheet Columns:
- Request/ Payment ID:
- Assign a unique
identifier to each RfP and corresponding payments.
- Vendor/Requester Name:
- Identify the entity or
individual making the payment request.
- Invoice Number:
- Unique identifier for
each digital invoice or payment request.
- Amount Requested:
- The total amount
requested for payment.
- Payment Amount:
- The actual payment
amount.
- Match Status:
- A column to indicate if
the payment matches the request (e.g., Yes/No).
- Merge Status:
- A column to indicate if
multiple requests have been merged (e.g., Yes/No).
- Clearance Status:
- A column to mark when
the payment is cleared.
Spreadsheet Formulas:
- Match Status Formula:
- Create a formula in the
"Match Status" column to automatically determine if
the payment matches the request. For example,
=IF([Payment Amount]=[Amount
Requested], "Yes", "No").
Data Validation:
- Dropdown Lists:
- Implement dropdown
lists for the "Match Status," "Merge Status," and
"Clearance Status" columns. This ensures consistent
and standardized input.
Conditional Formatting:
- Color Coding:
- Apply conditional
formatting to visually highlight matched, merged,
and cleared payments.
Collaborative Features:
- Sharing and Permissions:
- Share the spreadsheet
with payees and grant appropriate permissions to
edit relevant columns.
- Comments and Notes:
- Encourage payees to use
comments or notes to provide additional information
about matching, merging, or clearing.
Notifications:
- Automated Alerts:
- Set up automated alerts
or notifications to inform payees of updates or new
payment data.
Regular Review Meetings:
- Scheduled Check-ins:
- Conduct regular
meetings or check-ins between payers and payees to
review and discuss the status of payments.
Example Structure:
Request/ Payment ID |
Vendor |
Invoice Number |
Amount
Requested |
Payment Amount |
Match
Status |
Merge
Status |
Clearance Status |
RFP001 |
ABC Inc |
INV001 |
$1,000.00 |
$1,000.00 |
Yes |
No |
Yes |
RFP002 |
XYZ Co |
INV002 |
$2,000.00 |
$1,800.00 |
No |
No |
No |
RFP003 |
ABC Inc |
INV003 |
$1,500.00 |
$1,500.00 |
Yes |
Yes |
Yes |
Notes:
- Ensure clarity in
instructions for the payees regarding how to use the
spreadsheet.
- Encourage active
participation and collaboration between payers and
payees.
- Regularly update the
spreadsheet based on the latest information from both
parties.
This collaborative spreadsheet
approach allows payees to actively participate in the
matching, merging, and clearing of Request for Payments
within the Accounts Receivable context, promoting
transparency and accountability in the process. Customize
the structure based on the specific needs and processes of
your organization.
Why let aging invoices slow down your
business? With TodayPayments.com, you can send
Aging RfP messages via text, email, and SMS, manage
batch uploads in ISO 20022, and gain control over
every stage of your receivables process. Plus, get free
A/R worksheets and reconciliation templates to speed up
collections and improve accuracy.
👉 It’s time to take your
invoicing to the next level.
🚀 Get started
today at
https://www.TodayPayments.com — and never chase another
late payment again.
ACH and both FedNow Instant and Real-Time Payments Request for Payment
ISO 20022 XML Message Versions.
The versions that
NACHA and
The Clearing House Real-Time Payments system for the Response to the Request are pain.013 and pain.014
respectively. Predictability, that the U.S. Federal Reserve, via the
FedNow ® Instant Payments, will also use Request for Payment. The ACH, RTP® and FedNow ® versions are "Credit
Push Payments" instead of "Debit Pull.".
Activation Dynamic RfP Aging and Bank Reconciliation worksheets - only $49 annually
1. Worksheet Automatically Aging for Requests for Payments and Explanations
- Worksheet to determine "Reasons and Rejects Coding" readying for re-sent Payers.
- Use our solution yourself. Stop paying accountant's over $50 an hour. So EASY to USE.
- No "Color Cells to Match Transactions" (You're currently doing this. You won't coloring with our solution).
- One-Sheet for Aging Request for Payments
(Merge, Match and Clear over 100,000 transactions in less than 5 minutes!)
- Batch deposits displaying Bank Statements are not used anymore. Real-time Payments are displayed "by transaction".
- Make sure your Bank displaying "Daily FedNow and Real-time Payments" reporting for "Funds Sent and Received". (These banks have Great Reporting.)
Each day, thousands of businesses around the country are turning their transactions into profit with real-time payment solutions like ours.