Request.
Approve. Paid.
Request for Pay (RfP)—proactive payment requested powered by the RTP® network and the FedNow® Service. Real-time, secured.
Challenges
Payment Delays Create Real Revenue Leakage
When receivables depend on ACH debits, cards, and checks, your teams spend time on tasks that should be automated. Common pain points include:
Returns and rework drive costly retries, manual customer outreach, and delayed posting
Vulnerable checks and card chargebacks create unnecessary loss exposure and investigation overhead
Surprise debits and ignored emails frustrate accountholders and drive up costly contact center volume
Slow confirmation times prevent you from confidently closing the loop and releasing goods or services
Interest in request for payment grew 8 percentage points to 22% in 2025 ¹
of consumers cite slow funding as a top pain point—a frustration RfP solves instantly²
of businesses have a strong appetite for paying recurring bills and invoices instantly ³
RfP’s have been originated on the RTP Network through Q2 2025 ⁴
Solution
Request for Payment—Payer-Approved, Real-Time Inbound Payments
Orbipay RfP (part of the Unified Money Movement suite) provides the ability to send a digital payment request that the payer reviews inside their banking app—eliminating the complexity of managing bill payments. The payer stays in control: approve, decline, ask a question, or schedule payment. You get speed and certainty; funds move in seconds on instant payment rails.
Commercial Use Cases
Bill Pay & Invoicing:
Empower billers to send instant, interactive payment requests.
Property Closings:
Replace risky wire transfers with instant, secure settlement for title companies.
Wallet Funding:
Instantly fund digital wallets or brokerage accounts with guaranteed funds.
IE-Commerce Checkout:
Offer a secure, cardless, and instant payment option online.
Point-of-Sale:
Enable instant, contactless bank-to-bank payments at the retail register.
Government Payments
Accelerate the collection of taxes, permits, and municipal fees.
Financial Institution Use Cases
New Account Funding:
Secure initial deposits instantly without placing holds on accounts.
Loan Payments:
Streamline guaranteed monthly payments for auto, mortgage, and personal loans.
Delinquent Loans:
Instantly secure good funds for past-due accounts to avoid costly repossessions.
Auto Loan Drawdowns:
Let members push pre-approved funds directly to the dealer at closing.
P2P Payments:
Facilitate immediate, secure money transfers between individuals.
The Four Key Stages
What Would an RfP Payment Flow Look Like?
Generate request with amount, due date, and invoice details.
Digital delivery directly inside the payer's banking application.
Payer chooses: Approve, Decline, Schedule, or Request Info.
Instant movement of funds with real-time confirmation data.
Value
Why Orbipay RfP?
Replace paper and cash with a digital experience—purpose-built RfP for FedNow® and RTP®
By sending a simple request directly to your accountholders, you deliver a modern inbound-payments experience while your institution secures the funds in seconds. Say goodbye to the old way of moving money, and empower businesses to:
- Ditch ACH returns and card disputes in favor of immediate, guaranteed, and irrevocable payments
- Cut out the high costs and risk of processing paper checks, mailing statements, and making manual collection calls
- Deliver the fast, transparent, and mobile-friendly payment experience that today's consumers demand
Business Impact
The Business Case for Modernizing Your Collections
Reduce Fraud, Increase Trust
Fewer NSFs, Better Cash Flow
More Payment Flexibility and Control for Customers
Enhanced Transparency in Transaction Details
Boost Revenue, Build Relationships
Reduce Manual Processing and Delays
Customer Perspectives
We Help Customers Achieve Superior Business Outcomes
Launched Instant Payments and processed $15.5 MM in 3 months
Customer
Royal Credit Union
Industry
Credit Union
Veridian Credit Union Among the First To Connect to the FedNow® Service
Customer
Veridian Credit Union
Industry
Credit Union
Real-Time Results: 2,300+ Transactions and $5M Moved in Two Months at ABNB
Customer
ABNB Credit Union
Industry
Credit Union
Key Capabilities
Secure, Instant, and Frictionless Payments
Orbipay RfP is designed to modernize your inbound payments and eliminate the risk of returns. It connects your back-office systems directly to instant payment rails like the RTP network and the FedNow Service. Integrate seamlessly with your existing core and digital banking platforms to provide:
Payer-Initiated Security:
Drastically reduce the risk of unauthorized transactions and fraud
Real-Time Good Funds:
Ensure every payment is backed by good funds the second it’s approved
Streamlined Accountholder Experience:
Give today’s consumers the control, flexibility, and transparency they crave
Instant Payment Edge:
Offer around-the-clock payment options, not limited to branch hours/business days
Relationship & Revenue Growth:
Whether you are accelerating bill collections or providing convenient last-minute payment options to avoid late fees, RfP can enhance your service offerings and drive non-interest income
Interactive Two-Way Communication:
With built-in Request for Information (RFI) messaging, accountholders can easily question or resolve invoice discrepancies right from their digital banking app
Frequently Asked Questions
What exactly is Request for Payment (RfP) and how does it work?
Orbipay RfP is a secure financial messaging scheme built on the rails of instant payment networks like the RTP network and FedNow Service. Instead of automatically pulling funds, your institution sends a digital payment request directly to an accountholder. The user then reviews the request within their digital banking app and explicitly approves the transaction, which instantly pushes the funds to your institution.
Is Request for Payment just a faster ACH debit?
No, RfP is fundamentally different. While ACH automatically debits an account—which brings the risk of non-sufficient funds (NSF) and days of waiting for potential returns—RfP is a two-step “push” payment. Because the accountholder must authenticate and approve the request before the money moves, your institution receives guaranteed, irrevocable good funds in seconds.
What happens if an account holder isn't ready to pay the request immediately?
RfP gives accountholders ultimate flexibility. When they receive a request, they can choose to pay it instantly, schedule it to be paid on a future due date, or even question the invoice electronically using the built-in Request for Information (RFI) feature. Additionally, your institution can set expiration dates and times on your requests, ensuring the prompt simply expires if the user fails to take action.
What are the best ways for our institution to use RfP today?
RfP is incredibly versatile and ideal for high-value, high-risk, or time-sensitive transactions. Top use cases include instantly funding new accounts without placing holds, collecting guaranteed payments on delinquent auto loans to avoid costly repossessions, and replacing cumbersome cashier’s checks for real estate and title closings.
Ready To Transform Your Bill Payments With RfP?
See how Orbipay RfP empowers your institution to secure guaranteed, real-time funds while eliminating the headaches of ACH returns, lowering processing costs, and delivering a frictionless payment experience for your accountholders.
