e-Invoice Exchange
TodayPayments.com delivers real-time financial connectivity with the e-Invoice Exchange, a modern invoicing platform built for speed, scale, and security. Using ISO 20022 messaging, alias-based delivery, and hosted payment links, we enable merchants to send invoices digitally—via text, email, or batch upload—without delays or data errors. From small businesses to high-volume enterprises, we provide plug-and-play templates, compliance tools, and smart reconciliation features that turn your invoice process into a cash flow accelerator. With TodayPayments.com, e-invoicing isn’t just easier—it’s instant.
What is e-Invoice Exchange
Digital transformation in finance is no longer a trend—it’s a necessity. For businesses that want to send and receive invoices faster, with complete accuracy and audit readiness, the e-Invoice Exchange offers a powerful, real-time alternative to email attachments and paper billing. This standardized ecosystem, powered by ISO 20022 rich data messaging, allows for seamless B2B and C2B invoicing, reconciliation, and payment request automation across systems, industries, and banks. With TodayPayments.com, merchants can unlock the full potential of the e-Invoice Exchange with dynamic batch processing, hosted payment pages, alias-based delivery, and more.
The e-Invoice Exchange is a standardized, interoperable network that allows businesses to exchange invoices electronically in real time. Unlike static PDFs or paper invoices, this method enables:
- Real-time delivery of invoices using ISO 20022 structured messaging
- Automatic processing by accounting software, banks, and ERPs
- Direct delivery to customers via SMS, email, or mobile alerts
- Secure, alias-based routing using phone numbers or emails instead of bank info
It’s fast, compliant, and designed to streamline how Payees and Payers exchange financial information.
Definition: FedNow ™ instant payments are real-time payments: FedNow - Federal Reserve instant payments. Financial institution’s customer-facing systems for services like bill payment, cash management, peer-to-peer (P2P) payments, and emergency disbursements. Messages such as request for pay, request to pay, payment confirmations, and remittance detail are used to create frictionless customer-facing interactions.
Benefits of e-Invoicing with ISO 20022 & Digital Messaging
With TodayPayments.com, you can fully harness the flexibility of ISO 20022 and the reach of digital invoicing tools like:
- SMS and email delivery of RfP messages
- Embedded 140-character invoice summaries or dynamic hyperlinks to payment pages
- Hosted merchant pages at TodayPayments.com or your own domain
- Integration with bank dashboards, QuickBooks®, ERP platforms, and more
This enables real-time payment certainty, automated reconciliation, and compliance-ready invoicing for B2B and C2B operations.
Batch Uploads, Reporting & Free Invoice Templates Included
✅ "FREE" RfP Aging & Real-Time Payments Bank Reconciliation – with all merchants process with us.
Take control of your invoicing with full-scale automation tools:
- Upload batch invoices using Excel, XML, or JSON formats
- Track delivery, status, and payment confirmations in real time
- Reconcile payments using our Checks Outstanding and AR Aging worksheets
- Use our free e-Invoice Exchange templates to get started instantly
Whether you're sending 10 invoices a week or 10,000 per day, TodayPayments.com makes it effortless and scalable.
The e-Invoice Exchange and ISO 20022 Request for Payment (RfP) are both mechanisms aimed at facilitating electronic transactions, particularly in the realm of invoicing and payments. Let's compare them:
- Scope and Purpose:
- e-Invoice Exchange: Typically refers to a platform or system that enables the electronic exchange of invoices between businesses. It focuses on streamlining the invoicing process, reducing paper usage, and enhancing efficiency.
- ISO 20022 Request for Payment (RfP): A standard for requesting payments, often used in electronic payment messages. It provides a structured format for requesting payments, including detailed information about the transaction.
- Functionality:
- e-Invoice Exchange: Primarily focused on exchanging invoices electronically, managing invoice approvals, and facilitating payments related to those invoices. It may include features like invoice tracking, automated reminders, and integration with accounting systems.
- ISO 20022 Request for Payment (RfP): Provides a standardized format for requesting payments in electronic payment messages. It specifies fields for information such as payment amount, due date, invoice number, and payment instructions.
- Interoperability:
- e-Invoice Exchange: Interoperability may vary depending on the specific platform or system being used. Some platforms may support integration with other systems or standards to enable seamless exchange of data.
- ISO 20022 Request for Payment (RfP): ISO 20022 is an international standard for financial messaging, designed to promote interoperability between different financial systems and institutions. Requests for payment conforming to this standard should be interoperable across systems that support ISO 20022 messaging.
- Adoption and Implementation:
- e-Invoice Exchange: Adoption of e-Invoice Exchange platforms varies by region and industry. Many businesses are increasingly adopting electronic invoicing solutions to streamline their processes and reduce costs.
- ISO 20022 Request for Payment (RfP): ISO 20022 is a widely adopted standard in the financial industry, used for various types of financial messages, including payment instructions. Adoption of ISO 20022 RfP messages may depend on factors such as regulatory requirements and industry initiatives.
In summary, while both e-Invoice Exchange and ISO 20022 Request for Payment (RfP) serve to facilitate electronic transactions, they have different scopes, functionalities, and levels of interoperability. e-Invoice Exchange focuses on electronic invoicing and payment management within a specific platform, while ISO 20022 RfP provides a standardized format for requesting payments in electronic payment messages, promoting interoperability across different financial systems.
Forget slow, manual invoicing. With e-Invoice Exchange from TodayPayments.com, you can send digital invoices in seconds, track them in real time, and reconcile with zero guesswork. Built on ISO 20022 standards and optimized for SMS, email, and hosted pages, our platform empowers modern merchants to invoice smarter—not harder.
👉 Join the invoicing
revolution.
🚀 Visit
https://www.TodayPayments.com today and download your free
invoice templates to get started.
Features & Benefits
FedNow instant payments has benefits for all parties involved in
Financial Transactions.
Benefits to your company include:
Money Transfer: Current limit of $1,000,000 ~ FedNow, $10,000,000 ~ RTP.
It's Fast: 24/7/365 access to funds anytime vs.
several days for paper checks or ACH transfers to process.
Request for Payments ( RfP ™): Mobile & Online Real-Time Bill Payments.
It's Final: All RTP and Instant Payments are Final & Irrevocable.
Software Integration: Integrate your Management
or Enterprise software with us.
Message Detail: Full 145 characters available
using ISO 20022 messaging XML format.
Online Down Payments: Don't use inconvenient
and expensive Wires & Cashier's Checks.
Online Real-Time Reporting: Configured
Dashboard with Virtual Terminal login.
Reduced calls / emails in the "Purchasing Chain": All
parties to a instant payment transaction receive immediately
text & email messaging.
The
FedNow and RTP Systems enables Participants to initiate credit transfers,
receive final and irrevocable settlement for credit transfers,
and make available to Receivers funds associated with such
credit transfers in real-time, twenty-four (24) hours a day,
seven (7) days a week, fifty-two (52) weeks a year. All instant payments are "Credit
Push" instead of "Debit Pull."
About e-Invoice Exchange
Today Payments is a leader in the evolution of instant instant payments. We own Real-Time Payments. We were years ahead of competitors recognizing the benefits of Same-Day ACH funding through Same-Day Direct Deposits (ACH Push) and Same-Day Direct Payments (ACH Pull). Our customers 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. Our platform hub with its tools / widgets help organizations of all sizes reduce transaction costs, mitigate risk and increase efficiencies. Our system ensures proper Authentication, Authorization, Verification, Settlement, Notifications and Postings.
Today Payments
...continues to meet the challenge of our clients by offering cost effective "good funds", real-time, instant, credit card, ACH and e-invoice payment processing services into the electronic payment solutions banking system. Electronic banking includes the transfer of funds between companies (B2B) and/or (B2C) consumer accounts for collection and payments. Today Payments' FedNow Instant Merchant Services gives your company choices in the method of faster payments that you can accept from your customers.
Our payment processing platform is designed for simplicity and ease-of-use.
SecureQB Cloud payment processing integration for QuickBooks ® give you the Best transaction detail information, real-time, with matching error-proof through QuickBooks.
Process with the e-Invoice Exchange Professionals
- Automation of Accounts Receivable Collection with Instant Settlement & Deposit
- Automation of Accounts Payable Payments with Instant Settlement & Deposit
- One-Time & Recurring Debits & Credits with Instant Settlement & Deposit
Each day, thousands of businesses around the country are turning their transactions into profit with instant payment solutions like ours.
Contact Us for e-Invoice Exchange payment processing
