Surcharging RTP® Transactions — What Merchants Need to Know

Surcharging RTP®: A Smarter Alternative for Subscription Businesses & High-Risk Merchants

Why Businesses Are Choosing Surcharging RTP® Over PCI-Regulated Credit Cards

Businesses in high-risk industries or those with bad credit often face:

• High credit card processing fees (2.5% - 3.5%), cutting into profit margins.
• PCI compliance costs and regulatory restrictions on surcharging credit card transactions.
• Chargeback risks, increasing operational costs and financial uncertainty.
• Limited access to traditional payment processing due to bad credit or industry classification.

With Surcharging RTP®, businesses can:

✅ Process payments instantly with no settlement delays
✅ Pass processing fees to the payer, keeping 100% of invoice revenue
✅ Automate invoicing for one-time and recurring billing cycles
✅ Eliminate chargebacks and PCI compliance headaches

Step-by-Step Guide to Surcharging RTP® for U.S. Merchants</h3>

1. Apply Online Instantly at TodayPayments.com
2. Select FedNow® and RTP® Processing Options (both included free)
3. Set Up Alias-Based MIDs using your cell phone or email
4. Customize Your Hosted Payment Page to show the surcharge amount
5. Integrate RfP (Request for Payment) directly via text, email, or hosted URL
6. Enable Auto-Batching and Instant Reconciliation
7. Start Accepting RTP® Transactions With Surcharging Enabled
8. Monitor All Payments, Refunds, and Fees in Real Time
9. Repeat for All Your Divisions, Subsidiaries, or Locations
10. Scale Effortlessly with 24/7 Support and Reporting

Key Benefits of Surcharging RTP® for SMBs, Subscription Businesses, & High-Risk Merchants

✅ Pass Processing Fees to the Payer – Eliminate Merchant Costs

• With Surcharging RTP®, businesses keep 100% of the invoice amount, with no deductions.
• No longer pay credit card processing fees (which can cost thousands per year).
• Perfect for businesses looking to reduce operating expenses while increasing profit margins.

✅ Instant Real-Time Payments – No Delays or Settlement Wait Times

• RTP® payments process instantly, 24/7/365, with no banking hour restrictions.
• Unlike ACH transfers or wire payments, RTP® eliminates settlement delays.
• Immediate access to funds allows businesses to manage cash flow efficiently.

✅ One-Time & Variable Recurring Payment Support

• Accept one-time instant payments with zero merchant fees.
• Automate subscription payments for SaaS, membership platforms, and installment-based services.
• Supports flexible recurring payment options (monthly, quarterly, or usage-based).

✅ Request for Payment (RfP) Digital Invoicing for B2B Transactions

• Send invoices instantly via RfP digital invoicing, ensuring fast payments.
• Seamless integration with QuickBooks®, Xero, and NetSuite for accounting automation.
• Reduce manual invoice tracking, reconciliation errors, and late payments.

✅ No PCI Compliance Costs – Reduce Security & Fraud Risks

• Unlike credit cards, RTP® does not require PCI DSS compliance.
• End-to-end encryption ensures secure transactions without merchant liability.
• Eliminates fraud risks, chargebacks, and unauthorized reversals common in high-risk industries.

✅ Ideal for Businesses with Bad Credit

• No credit score requirements—RTP® payments are not dependent on credit history.
• Businesses with low or no credit history can accept payments without restrictions.
• Removes financial barriers to offering instant digital payments.

✅ Avoid State Regulations on Payment Surcharges

• Many states restrict or ban credit card surcharges, making it difficult for businesses to pass processing fees to customers.
• With Surcharging RTP®, businesses remain compliant while ensuring payers cover transaction fees.
• Legal and compliant across states with strict surcharge regulations (e.g., California, New York, Texas).

✅ 24/7/365 Availability – No Banking Hour Limitations

• Unlike ACH and wire transfers, RTP® operates 24/7, including weekends and holidays.
• Accept payments anytime, ensuring uninterrupted business transactions.

✅ Enhanced Security & Fraud Protection

• End-to-end encryption and authentication protect against fraud.
• Unlike credit card payments, RTP® transactions cannot be reversed, eliminating chargebacks.
• ISO 20022 messaging standard ensures secure and transparent transactions.

How Surcharging RTP® Benefits Subscription Businesses & High-Risk Merchants

Faster Business-to-Business (B2B) Payments

• Pay suppliers, vendors, and service providers instantly.
• No ACH transfer holds, wire fees, or pending credit card settlements.

Ideal for E-Commerce & Subscription-Based Businesses

• Accept real-time payments, improving customer retention and satisfaction.
• Faster order fulfillment and instant payment confirmations.

Perfect for Recurring Billing & High-Risk Transactions

• Automate monthly, quarterly, or annual recurring payments with RfP invoicing.
• Reduce failed transactions and chargeback risks.
• Supports flexible pricing models for subscription businesses.

Optimized Payroll & Contractor Payments

• Pay employees, freelancers, and contractors instantly via RTP®.
• Reduce payroll processing costs and eliminate direct deposit fees.

Upgrade to Surcharging RTP® with TodayPayments.com

Are you ready to eliminate processing costs and accept real-time payments? With Surcharging RTP®, your business can:

 Pass transaction fees to the payer and eliminate processing costs
 Accept instant real-time payments—Funds settle in seconds
 Automate invoicing with Request for Payment (RfP)
 Support one-time and variable recurring payments
 Enhance security and eliminate chargebacks

Start accepting real-time, fee-free payments today! Sign up with TodayPayments.com now.