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Real-Time Payments Gateway


Real-Time Sales Taxes Are Coming: Request and Remit Instantly

To transform how merchants manage, collect, and remit sales tax by introducing Real-Time Sales Tax payments powered by mobile-first Requests for Payment (RfP™), integrated with RTP® and FedNow® rails.

TodayPayments.com showing a next generation of compliance and cash flow innovation by enabling Real-Time Sales Tax payments. Our platform empowers merchants to collect and remit taxes in real time using mobile, SMS, email, QR codes, and instant good fund transfers via RTP® and FedNow®.

 

What is Real-Time Sales Taxes

Sales tax collection and remittance is a responsibility that businesses across all industries must manage. However, manual tax reporting, delayed payments, and fragmented tracking create compliance risks and cash flow challenges. Traditional systems are often out of sync with modern real-time commerce.

Real-Time Sales Taxes powered by FedNow® and RTP® (Real-Time Payments) introduce a new standard in tax automation. Businesses can now calculate, collect, and remit sales tax in real time—without waiting for monthly or quarterly cycles. With instant settlement and secure data exchange, your sales tax process becomes faster, more transparent, and fully auditable.

At TodayPayments.com, we help businesses automate real-time sales tax transactions using alias-based identifiers and structured ISO 20022 messaging for secure, compliant remittances to tax authorities or trusted processors.

Batching with Recurring Tax Remittance Using ISO 20022

For high-volume retailers, multi-location merchants, and SaaS businesses, ISO 20022 batching allows you to:

  • Upload Excel, XML, or JSON files for sales tax settlement batches
  • Automate recurring state/local sales tax remittances
  • Enable real-time reconciliation with accounting platforms

This system supports A2A, B2B, and C2B transactions and provides full traceability across jurisdictions and remittance cycles.

✅ Real-Time Tax Request Parameters, Attributes, Benefits & Features

Parameters

  • RfP Delivery: SMS, Email, Mobile App, Text, QR Code (QRC)
  • Payment Rails: RTP®, FedNow®
  • Batch Uploads: Excel, .XML, JSON using ISO 20022
  • Transaction Types: A2A (merchant to state agency), B2B, C2B
  • Settlement Speed: Real-time, 24/7/365
  • Destination: Hosted Payment Page

Attributes

  • Immediate Tax Remittance: Eliminate remittance delays and late fees
  • Mobile & QR Friendly: Trigger payment approvals on the go
  • ISO 20022 Compliant: Structured messaging supports full audit trail
  • Recurring Ready: Schedule tax payments based on fixed or dynamic rules
  • RTP®/FedNow® Finality: Irrevocable good funds mean instant compliance
  • Seamless Integration: Connects to accounting systems like QuickBooks®
  • Jurisdiction-Specific Routing: Route funds directly to state/local tax accounts

Ask us How:

  • Real-Time Sales Taxes enable merchants to send payment requests via mobile SMS, email, and QR codes, ensuring instant remittance to tax authorities using RTP® or FedNow®.
  • With ISO 20022 batching, merchants can upload Excel, XML, or JSON files that include state-level tax obligations, automating compliance with real-time payment delivery.
  • Every Request for Payment (RfP™) includes structured remittance details and links to a hosted payment page, allowing stakeholders to complete deposits in seconds and reduce compliance risk.
  • Real-time payments eliminate the need to hold and manage sales tax balances manually, providing an automated, secure alternative to monthly or quarterly remittance models.
  • Whether at the point-of-sale, through online checkout, or via recurring invoice, merchants can calculate and remit taxes in real time—improving state compliance and reducing manual overhead.
  • With 24/7/365 availability, RTP® and FedNow® ensure sales taxes are paid with finality, eliminating reversals, float, and late filing penalties.
  • By integrating with platforms like QuickBooks®, merchants gain real-time visibility into what has been collected, remitted, and recorded—ensuring transparency and scalability.

What Are Real-Time Sales Taxes?

Real-Time Sales Taxes refer to the automatic collection and immediate payment of applicable sales taxes as transactions occur.

Instead of accumulating sales tax balances and remitting them later, businesses can:

  • Calculate sales tax at the point of sale
  • Instantly send tax payments to designated agencies or processors
  • Maintain real-time records of tax activity across jurisdictions

This process eliminates end-of-month bulk filings, reduces liability exposure, and improves financial accuracy.

FedNow® and RTP® for Instant Tax Remittance

The use of FedNow® and RTP® ensures that sales tax payments are:

  • Settled in real time, directly to government accounts or third-party tax platforms
  • Available 24/7/365, eliminating batch delays or banking hour restrictions
  • Fully confirmed and traceable, with receipt-level transparency

With today’s real-time payment rails, tax compliance no longer needs to be a back-office burden.

Alias-Based Payments for Privacy and Simplicity

Our platform allows businesses and tax recipients to exchange funds using alias-based identifiers such as:

  • Email addresses
  • Cell phone numbers
  • Linked Merchant Identification Numbers (MIDs)

No financial account details need to be shared, making every transaction private, efficient, and secure.

Use Cases for Real-Time Sales Tax Payments

This real-time model is ideal for:

  • Retailers and eCommerce stores collecting multi-jurisdictional taxes
  • Marketplaces remitting on behalf of vendors
  • Software platforms managing embedded tax services
  • Gig economy platforms and digital goods sellers
  • Franchise systems managing tax flow across locations

Real-Time Sales Taxes ensure immediate compliance and stronger oversight for high-volume or multi-state businesses.

ISO 20022 Messaging and Reporting Compliance

Each payment includes structured ISO 20022 metadata such as:

  • Tax jurisdiction and category
  • Payment period and timestamp
  • Sender and receiver alias
  • Taxpayer ID and reference number

This makes audit trails easier to manage, while reducing administrative burdens.

Integration with Accounting and ERP Systems

With TodayPayments.com, real-time tax remittance can be synced with:

  • QuickBooks® Online (QBO)
  • ERP platforms and tax management software
  • Custom API connections for enterprise-level reporting

This integration streamlines reconciliation and ensures your sales, tax, and cash flow reports stay aligned.

Automate Real-Time Sales Taxes Today

Take control of your tax process with real-time precision. With TodayPayments.com, your business can:
✅ Collect and remit sales tax automatically via FedNow® and RTP®
✅ Use alias-based payments for secure, compliant transactions
✅ Reduce liability, improve transparency, and stay tax-ready

Real-time sales tax processing is not yet (as of 2025) widely available, and there are no indications that RTP or FedNow will be used for this purpose in the near future. However, as mentioned earlier, some states are moving towards implementing a real-time sales tax system in the future, and merchants can use various solutions (such as POS systems, payment processors, and third-party tax software) to ensure that sales taxes are being calculated and remitted accurately and in a timely manner.

However, merchants can use the solutions mentioned earlier (such as POS systems, payment processors, and third-party tax software) to ensure that sales taxes are being calculated and remitted accurately and in a timely manner. It's important for merchants to stay up-to-date on any changes to sales tax laws in their state to ensure compliance.

Real-Time Sales Taxes are no longer optional—they're inevitable. At TodayPayments.com, we make it easy for businesses to automate, request, and remit sales tax instantly using mobile, SMS, email, and QR code payment links.

✅ Trigger real-time tax remittance from POS, ecommerce, or accounting
✅ Upload ISO 20022 files to batch sales tax payments instantly
✅ Accept RTP®, FedNow®, or ACH for government-directed deposits
✅ Automate recurring state/local tax compliance
✅ Eliminate delays, reduce audit risk, and improve cash visibility
✅ Integrate seamlessly with QuickBooks® and ERP platforms

👉 Visit https://www.TodayPayments.com
Get ready for the future: Real-Time Sales Taxes—Are Coming!

 

Features & Benefits

FedNow instant payments has benefits for all parties involved in Financial Transactions.
Benefits to your company include:
Text Mobile Request for Real-Time Payment Money Transfer: Current limit of $1,000,000 ~ FedNow, $10,000,000 ~ RTP.
It's Final: All RTP and Instant Payments are Final & Irrevocable.
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.
Software Integration: Integrate your A/R & A/P Management or Enterprise software with us.
! Message Detail: Full 145 characters available using ISO 20022 messaging XML format. ~ Call us now for all the Benefits: Pay FedNow, RTP, ACH, Credit Cards .html links!!
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."

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. Request for Payment

... 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.

Pricing with our Request For Payment Solutions

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 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 files 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 + 1.5% percentage on gross dollar file,


3) Add integrating QuickBooks Online "QBO" using FedNow Real-time Payment using our Real-Time Sales Taxes 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 Real-time Payments processing