Text Payments

To revolutionize business payments by delivering secure, real-time text-based billing solutions that empower merchants to engage customers through SMS and collect mobile-friendly payments instantly and effortlessly.

TodayPayments.com is a go-to platform for secure, real-time Text Payments via SMS, offering merchants a mobile-first solution that merges speed, simplicity, and customer convenience. With seamless integration into QuickBooks®, Elavon, and other payment gateways, we help businesses boost conversion rates, reduce invoice lag, and accelerate cash flow using technology customers already trust—their mobile phones.

 

Text Payments for Businesses: Real-Time SMS Billing and Secure Payment Collection

Text Payments is an exciting new real-time, fun and shiny service offering all banks and credit unions brought about by the Faster Payments Initiative of the US Federal Reserve banks providing payments that are instant, final (Consumer cannot ChargeBack) and secure. Businesses and Individuals will be using, instant Real-Time Bill Pay, via Request for Payments.

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.

Send and Receive Real-Time Payments via SMS with Mobile-Friendly Links

Compatible Platforms and Tools

  • QuickBooks® QBO – For full AR sync and reconciliation
  • Elavon – For secure multi-rail payment processing (POS, online, mobile)
  • Shopping Carts – Shopify, WooCommerce, Magento, BigCommerce
  • File Formats for Batch Payments – Excel, XML, JSON
  • SMS Delivery Engines – Twilio, Vonage, Plivo integration options
 

Parameters, Attributes, Benefits and Features

Key Parameters

  • Technology: SMS-based payment requests (Text Payments)
  • Payment Methods: Credit Cards, Debit Cards, FedNow®, RTP®, ACH
  • Settlement Time: Real-Time (Good Funds), Same-Day ACH
  • Channels: Mobile (SMS), Web, In-Store, Invoicing Software
  • Integrations: QuickBooks® Online (QBO), Elavon, Hosted Payment Gateways
  • Target Users: SMBs, Enterprises, Medical Offices, Home Services, Subscription Businesses

Attributes & Long-Tail SEO Features

✅ Real-Time Payments via SMS

“Text Payments enable businesses to send and receive secure, real-time payments via SMS, streamlining customer transactions and boosting conversion through mobile-friendly billing. Each SMS message includes a secure, clickable link that routes customers to a hosted payment page to complete the transaction instantly.”

✅ QuickBooks® Integration for Automated Receivables

“Connect Text Payments to your QuickBooks® Online account to automatically apply real-time payments to open invoices. Eliminate manual entry and ensure your books are updated instantly with each SMS payment received.”

✅ Hosted Payment Pages Powered by Elavon

“Each text-based payment request links to a branded, PCI-compliant hosted payment page powered by Elavon. Accept all major card types and real-time payment methods from a single, mobile-optimized interface.”

✅ ISO 20022 Messaging and Rich Data Support

“Advanced configurations support ISO 20022 messaging structures for RTP® and FedNow® requests. Use .XML, JSON, or Excel formats for batch or one-time invoice generation, with full compliance and metadata mapping.”

✅ Recurring and One-Time Payment Flexibility

“Text Payments can be triggered for one-time service calls or automated for recurring billing scenarios—perfect for subscription models, memberships, and scheduled services.”

Business Benefits (with Long-Tail SEO Sentences)

  • “Text Payments improve conversion by allowing customers to pay in real-time using their mobile devices, eliminating delays associated with email or mailed invoices.”
  • “Businesses using SMS-based payments experience faster cash flow, as customers are more likely to engage and pay when prompted via text.”
  • “Elavon’s hosted gateway ensures that each SMS payment is secure, encrypted, and compliant—making it easy for businesses to accept payments without infrastructure overhead.”
  • “With QuickBooks® Online integration, text payments are matched to open invoices automatically, streamlining accounts receivable and reducing time to reconciliation.”
  • “ISO 20022 message compatibility makes text payments ideal for batch upload environments and real-time payment rails such as RTP® and FedNow®.”

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."


Get Paid Instantly—All from a Text Message

What if your next invoice was paid in seconds—just by texting it?

That’s what Text Payments with TodayPayments.com can do for your business. Using SMS billing powered by Elavon, QuickBooks®, and ISO 20022-compliant messaging, you’ll transform your payment process from sluggish to seamless. Whether it's a one-time invoice or a recurring charge, text-based real-time payments give your customers a secure, mobile way to pay instantly—with no delays, no login portals, and no friction.

✅ Real-time mobile billing
✅ Good funds with every payment
✅ Automated reconciliation into QuickBooks®
✅ Compatible with FedNow®, RTP®, ACH, and credit cards

👉 Visit https://www.TodayPayments.com to activate your Text Payments gateway today and start converting mobile moments into real revenue.


Integrated with QuickBooks®, Elavon, and Hosted Gateways for Seamless Receivables

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.



Our Instant Real-Time Payment Platform


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 Text Payments Professionals

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  • 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 Text Payments payment processing