Real-Time Discounts Using FedNow® and RTP® for A2A Payments

Key Parameters, Features, and Benefits of Real-Time Discounts

1. A2A Payment Rail Efficiency

Real-Time Discounts are executed through FedNow® and RTP®, enabling instant push payments that are irrevocable and final. Merchants receive good funds in seconds, customers complete purchases faster, and both parties avoid credit card fees.

“Real-Time Discounts using A2A transactions empower merchants to lower prices in real-time while receiving certified good funds instantly.”

2. Hosted Request for Payment (RfP™) Pages

Every Real-Time Discount transaction can be initiated via a secure, branded payment page—no custom coding needed. These pages are sent via email, SMS, or embedded in invoices.

“Send a hosted RfP™ payment link to offer real-time discounts to customers on any device—without building a custom payment gateway.”

3. ISO 20022 Rich Data Messaging

All transactions follow ISO 20022 message specifications, ensuring standardized remittance data, such as discount amounts, invoice references, and payment instructions.

“Ensure compliance and automate reconciliation with ISO 20022 Real-Time Payments, carrying all necessary metadata within the transaction payload.”

4. Alias-Based MID Assignment for Flexibility

Assign merchant IDs (MIDs) to employees, departments, or store locations using email or mobile aliases. Ideal for companies with distributed teams or franchise networks.

“Alias-based MIDs allow flexible merchant assignment for real-time payment tracking and reconciliation across multiple divisions.”

5. Recurring & Batched Payments with Certainty

Send batch payments using Excel, XML, or JSON files, or automate recurring Real-Time Discounts for subscriptions and loyalty programs.

“Upload batch files or configure recurring real-time A2A rebates for high-volume transactions using standardized file formats.”

6. Mobile, POS, MOTO, and E-commerce Integration

Whether at the point of sale, through a call center (MOTO), or online checkout, Real-Time Discounts are fully accessible with no bank login or redirection—just a clean, branded interface.

“Enable Real-Time Discounts across every channel—POS, MOTO, or ecommerce—with seamless hosted payments powered by RTP® and FedNow®.”

7. Automatic Reconciliation with Real-Time AR Updates

Once payment is received, the system updates the merchant’s Accounts Receivable ledger instantly, reducing aging, fraud, and manual accounting tasks.

“Every Real-Time Discount payment is tracked, reconciled, and recorded in real time, minimizing disputes and optimizing cash flow.”

Ask us How:

• “Real-Time Discounts using RTP® and FedNow® give merchants the power to apply instant rebates and lower prices at checkout using secure A2A payments.”
• “Using ISO 20022 rich data messaging, Real-Time Payments for rebates and discounts are automatically reconciled with accounting systems and ERP platforms.”
• “Businesses can send hosted RfP™ links to customers via mobile or email, allowing them to claim Real-Time Discounts instantly without credit card delays.”
• “Real-Time Discounts reduce cost of sales by bypassing interchange fees and allowing merchants to pass savings directly to customers through A2A transfers.”
• “With support for Excel, XML, and JSON, Real-Time Discount payments can be uploaded in batches or scheduled for recurring disbursement using RTP® and FedNow® rails.”

Real-time discounts on sales prices can be an attractive feature for payers when payees offer lower merchant pricing through FedNow and RTP. This can be achieved by passing on the savings from reduced transaction fees to the payer. Here's how this can work:

1. Lower Merchant Fees: Payees (merchants) can benefit from lower transaction fees using FedNow and RTP compared to traditional payment methods. These savings can be passed on to payers as discounts on sales prices.
2. Real-Time Discounts: When a payer makes a payment using FedNow or RTP, the system can automatically apply a discount to the sales price in real-time. This can be done at the point of sale, online checkout, or during the invoicing process.
3. Increased Incentives: Offering real-time discounts can incentivize payers to choose FedNow or RTP for payments, increasing the adoption of these payment methods.
4. Transparency and Marketing: Merchants can advertise these discounts as a benefit of using real-time payments, making the pricing structure more transparent and attractive to customers.

Implementation Steps

1. Integrate Payment Systems: Ensure that your payment systems, such as POS, E-commerce platforms, and invoicing software, are integrated with FedNow and RTP to support real-time payments.
2. Set Discount Rules: Define the discount rules within your payment processing system. For example, you can set a percentage discount or a fixed amount off the sales price for transactions completed using FedNow or RTP.
3. Automatic Application: Configure the system to automatically apply the discount at the time of payment. This ensures that the payer receives the benefit instantly.
4. Update Marketing and Communication: Inform customers about the available discounts and the benefits of using real-time payments through FedNow and RTP. This can be done via marketing campaigns, website updates, and direct communication.

Benefits to Payees and Payers

• For Payees:
  • Lower transaction costs.
  • Increased customer satisfaction and loyalty.
  • Competitive advantage by offering attractive pricing.
• For Payers:
  • Immediate savings on purchases.
  • Faster and more efficient payment processing.
  • Enhanced buying experience.

This strategy not only leverages the benefits of real-time payments but also promotes a more cost-effective and customer-friendly approach to transactions.

Real-Time Discounts Aren’t Just Smart—They’re Instant, Secure, and Built for Modern Commerce.

Whether you're rewarding loyalty, encouraging faster payments, or eliminating processing fees, Real-Time Discounts powered by RTP® and FedNow® provide the real-time solution your business needs.

At TodayPayments.com, we help merchants go live in days, not months—with hosted RfP™ pages, ISO 20022 compliance, batch support, and mobile-ready invoicing. Offer your customers discounts backed by real-time settlement and certainty.

👉 Visit https://www.TodayPayments.com to unlock Real-Time Discounts and start accepting good funds instantly, 24/7.