What is a Request for Payment?

A Request for Payment (RFP) is a message that asks a payer to send money, usually on an instant rail such as RTP. The request is not a debit. The payer still pushes a credit. Until that credit arrives, you have an invoice, not a deposit.

How does a Request for Payment work?

You send a request with an amount and a reference. The payer’s bank shows it. The payer accepts and their bank sends a credit. If they ignore it, nothing moves. Some products expire the request and raise a new one.

RFP vs ACH debit

An ACH debit pulls without a second click, if you have a mandate. An RFP cannot pull. That is the point of instant credit rails: no NSF return two days later, because the payer had to have the funds to send.

When do you credit the wallet?

When the credit posts, not when you send the request. Store the request id so you can match the inbound credit. If you credit on send, you invent money.

How it works with Blnk

Record the request in your app. Post in Blnk when the inbound credit lands, from the rail pot to the wallet, using the request id as the match key.