The Bank of New York Mellon Corporation and Citi have collaborated with Verizon to send request-for-payment messages to consumers who bank with Citi. When using BNY Mellon's new Real-Time E-Bills and Payments functionality, Verizon customers with Citibank accounts can pay their bills immediately, at any time of day, 365 days a year, and enjoy greater control over their finances to help avoid overdraft fees. Additionally, Verizon customers who bank at Citi can use Citibank Online to schedule the payment to be made at a specified date and time in the future, such as on their next recurring payday or as an on-demand payout from a platform supporting a supplementary income stream, such as a ride-hailing or food delivery app. Verizon's use of BNY Mellon's Real-Time E-Bills and Payments functionality presents a major enhancement over setting up standing payment instructions across the ACH network, since automated payments can encounter insufficient fund balances, generating overdraft fees and other expenses, adding undue frustration to consumers and creating exception scenarios for billers. Unlike an ACH transaction or a paper check, Real-Time E-Bills and Payments are immediate and fully controlled by the consumer, who can authorize and schedule each payment to who they want to pay, when they want. The secure payment also provides the consumer with full transparency, including the ability to receive an instant acknowledgment confirming that a monthly obligation has been satisfied. This eliminates uncertainty around when funds will be debited from a consumer's account and avoids the interchange fees charged for credit and debit card payments. While real-time payments were previously available for bank-to-bank transactions for large organizations, this is the first at-scale use of the technology in production with retail customers. This innovative functionality revolutionizes the bill pay experience for both the biller and the customer, connecting BNY Mellon as the billing bank, Verizon as the biller and Citi as the customer's bank, with the transaction transmitting in real time over The Clearing House's RTP® network.