Real-Time Discounts for Recurring Transactions Using FedNow® and RTP®

Parameters, Attributes, Benefits & Features

1. Instant Good Funds for Recurring Transactions

Each A2A transaction is processed in real time over RTP® or FedNow®, with settlement confirmed within seconds—even on weekends or holidays.

"Real-Time Discounts empower merchants to reward early payments while receiving irrevocable good funds through 24/7 instant settlement rails."

2. Early Payment Discounts (Net30, Net10, Net7)

Offer automated early payment discounts for customers who pay invoices before the due date. Integrated with hosted RfP™ links, these incentives accelerate cash flow and reduce AR risk.

"Reward customers who pay early with real-time Net30 discounts, and receive full payment faster through secure A2A channels."

3. Batching & Recurring Payment Uploads

Support batch processing of recurring invoices and discount payments using Excel, XML, or JSON formats. Schedule weekly, monthly, or quarterly payments with automatic reconciliation.

"Upload recurring payment batches to issue discounts at scale using ISO 20022-ready Excel, XML, or JSON files."

4. ISO 20022-Rich Data Messaging

All payments follow international ISO 20022 messaging specifications, allowing structured data for:

• Invoice numbers
• Customer IDs
• Discount amounts
• Payment status codes

"ISO 20022 compliance ensures your recurring Real-Time Discounts are structured, traceable, and compliant across all U.S. banks and credit unions."

5. Hosted RfP™ Payment Pages

Send branded payment pages to customers via email, SMS, or invoices, enabling one-click real-time settlement. No app or portal logins required.

"Each discount-enabled RfP™ includes a mobile-ready, secure payment page—no coding, no confusion, just results."

6. Alias-Based MID Assignment

Assign merchant IDs to employees, store locations, or departments using mobile numbers or email aliases. Track every payment by origin or destination.

"Alias-based MIDs give businesses flexible reconciliation tools to organize and attribute Real-Time Discounts by internal team or region."

7. Mobile, POS, MOTO, and E-commerce Compatibility

Offer Real-Time Discounts across all sales channels—point-of-sale, ecommerce checkouts, mobile text links, or MOTO payments.

"Accept recurring discounted payments from any customer channel with the flexibility of RTP® and FedNow® real-time networks."

8. Real-Time AR Reconciliation and Status Updates

As soon as payment is received, the system:

• Updates the AR ledger
• Confirms invoice closure
• Records discount use
• Provides audit-ready transaction logs

"Eliminate guesswork with real-time tracking, reconciliation, and invoice updates—built into every Real-Time Discount transaction."

Key Features of Real-Time Payments for Payees

• ✅ Payee-Initiated RfP™ (Request for Payments)
  Send secure links via email, text, or invoice.
• ✅ FedNow® & RTP® Rail Compatibility
  Instant, irrevocable good funds—24/7/365.
• ✅ Alias-Based MID Assignment
  Assign merchant identities by role, team, or division.
• ✅ ISO 20022 Compliance
  Standardized rich messaging for banking and ERP systems.
• ✅ Hosted Payment Pages
  Fully branded, secure, and mobile-optimized—no dev work needed.
• ✅ Automatic AR & Ledger Updates
  Every transaction is reconciled in real time—no manual entry.

Merchants can significantly enhance customer satisfaction and boost sales by leveraging the Real-Time Payments (RTP) API to offer "Real-Time Discounts." Here's how this can be implemented and the benefits it brings to customers:

Implementation of Real-Time Discounts via RTP API

1. Integration with RTP API:
   • Merchants need to integrate their payment systems with the RTP API to enable real-time payment processing and discount application.
2. Define Discount Criteria:
   • Set specific criteria for discounts, such as a percentage off the total purchase, a fixed discount amount, or special promotions for using RTP.
3. Automate Discount Application:
   • Configure the payment system to automatically apply the discount when a payment is processed via RTP. This ensures that customers immediately benefit from the discount without any additional steps.
4. Update Invoicing and Receipts:
   • Ensure that the discount is reflected in the invoicing and receipts, providing transparency to the customer.
5. Marketing and Communication:
   • Promote the availability of real-time discounts through marketing campaigns, on your website, and at the point of sale to encourage customers to use RTP.

Benefits to Customers

• Immediate Savings:
  • Customers receive instant discounts at the time of purchase, enhancing their buying experience and satisfaction.
• Transparency:
  • Real-time discounts provide a transparent pricing structure, making customers more aware of the savings they are getting.
• Incentives to Use RTP:
  • Offering real-time discounts incentivizes customers to use RTP, leading to faster and more secure transactions.
• Enhanced Shopping Experience:
  • The convenience of receiving instant discounts improves the overall shopping experience, fostering customer loyalty and repeat business.

Example Scenario

1. Customer Purchase:
   • A customer makes a purchase worth $100 at a merchant's store.
2. Payment via RTP:
   • The customer chooses RTP as the payment method.
3. Automatic Discount Application:
   • The payment system, integrated with the RTP API, applies a 10% discount automatically. The customer sees the discount applied immediately, reducing the total to $90.
4. Real-Time Payment Confirmation:
   • The payment is processed in real-time, and the customer receives instant confirmation of the payment and the applied discount.
5. Receipt Generation:
   • The receipt shows the original price, the discount applied, and the final amount paid, ensuring transparency.

Steps for Merchants

1. API Integration:
   • Work with a payment processor or developer to integrate the RTP API into your existing payment systems.
2. Configure Discounts:
   • Set up discount rules within the API integration, specifying when and how discounts should be applied.
3. Test the System:
   • Conduct thorough testing to ensure that discounts are applied correctly and that the payment process is seamless.
4. Train Staff:
   • Ensure that your staff understands the new system and can assist customers with any questions or issues.
5. Monitor and Adjust:
   • Continuously monitor the system’s performance and customer feedback, making adjustments as needed to improve the service.

By implementing real-time discounts through the RTP API, merchants can offer significant benefits to customers, driving increased satisfaction and loyalty. This approach not only enhances the customer experience but also positions the merchant as a forward-thinking business that leverages modern payment technologies to provide added value.

Ask us How:

• “Enable recurring Net30 discount payments through ISO 20022-compliant A2A transactions using FedNow® and RTP® for instant funding and cash flow improvement.”
• “Send structured Real-Time Discounts via hosted RfP™ pages with invoice tracking, secure mobile checkout, and ISO 20022 reconciliation into your AR system.”
• “Batch recurring Real-Time Discount payments for C2B and B2B customers using .XML, Excel, or JSON uploads across all U.S. financial institutions.”
• “Offer automatic early payment discounts on subscriptions or service plans and receive real-time settlements via FedNow® or RTP® without ACH or card fees.”
• “Assign alias-based merchant IDs for franchisees, departments, or account managers to track Real-Time Discounts and receive real-time reports.”

Save Customers Money. Speed Up Your Cash Flow. Eliminate Settlement Delays.

With Real-Time Discounts powered by RTP® and FedNow®, you can automate early payment incentives, accelerate recurring billing, and gain full AR visibility across every payment cycle. Whether you're offering Net30 discounts, subscription rebates, or volume-based incentives, TodayPayments.com gives you the tools to automate, scale, and succeed.

Get started now at https://www.TodayPayments.com – where Real-Time Discounts meet Real-Time Payments.