Instant Payments Enrollment Using The FedNow® Service
Key Benefits of Enrolling in The FedNow® Service
The New Standard in Business Payments Starts
with FedNow®
Instant isn’t just a buzzword anymore—it’s the
future of payments. As the demand for faster, more reliable, and
secure payment processing grows, the FedNow® Service is
quickly becoming the gold standard for U.S. businesses of all sizes.
With TodayPayments.com, you can enroll in The FedNow® Service instantly—no paperwork, no in-person bank visit, and no setup fees. Whether you're processing B2B, C2B, A2A, or recurring transactions, we provide a streamlined, secure, and real-time platform designed for modern businesses.
Powerful Features That Set TodayPayments.com Apart
Forget waiting days for ACH transactions to clear or dealing with wire transfer cut-off times. With TodayPayments.com, your business can get real-time access to The FedNow® Service for instant money movement 24/7/365.
Here’s how we make it seamless:
- ✅ Online application with zero sign-up fees
- ✅ Full support for FedNow®, RTP®, ACH, and credit cards
- ✅ Alias-based enrollment using your email or phone number as a secure identifier
- ✅ Multiple MIDs for each alias or bank account—perfect for divisions or franchises
- ✅ Nationwide coverage: integrate with multiple banks or credit unions across all 50 states
- ✅ Hosted Payment Pages and ISO 20022-compatible RfP messages built in
We make onboarding easy and frictionless, so you can start processing payments in real time—without ever stepping into a bank.
Businesses that adopt FedNow® through TodayPayments.com gain a competitive edge with unmatched speed, visibility, and control. Here’s what you can expect:
🔐 Alias-Based Security
Enroll using your business phone number or email address instead of traditional financial credentials. This modern alias system boosts security and simplifies reconciliation.
📑 Real-Time Payment Tracking and Reconciliation
With built-in reporting features, your CFO and bookkeeper will love the live dashboards, batch upload tools, and full visibility into every transaction.
🔄 Multi-Rail Compatibility
Support for:
- A2A transactions
- B2B, B2C, C2B transfers
- Debit recurring payments
- Instant payee-initiated transactions
- POS, MOTO, email/SMS/web-based invoicing
💼 Scalable Merchant Accounts
Whether you run a sole proprietorship, LLC, S-Corp, or multi-location enterprise, we support multiple MIDs, and can consolidate them for streamlined cash flow management.
Features That Set TodayPayments.com Provide
🌐 Nationwide Multi-Bank Integration
We connect you with multiple financial institutions across the U.S., making it easy to operate across states, departments, or business units.
🧾 ISO 20022-Compliant RfPs + Hosted Payment Pages
Insert a branded payment link directly into Request-for-Payment messages—hosted on your domain or ours.
🔁 Batch Uploads, Recurring Billing & Real-Time Treasury
Optimize your backend with tools to process batches, schedule recurring payments, and deliver real-time bank reconciliation.
💳 Support for High-Risk & Low Credit Merchants
We take pride in supporting businesses that traditional banks turn away—legally high-risk industries and bad credit merchants are welcome.
Your Instant Payments Journey Begins Here
Why wait for payments when you can get instant, secure, and trackable funds—24/7—with The FedNow® Service?
With TodayPayments.com, you’re getting more than just access to real-time payments. You’re getting:
✅ A no-hassle, zero-fee
application process
✅ Instant access to The
FedNow® and RTP® networks
✅ Hosted RfPs,
alias security, and ISO 20022 messaging
✅
QuickBooks® Online integration for real-time sync
✅
Support for 100+ MIDs, aliases, and multi-bank setups
✅ POS, mobile, email, and recurring invoicing
tools built in
✅ Trusted by CFOs, welcomed
by high-risk merchants
🚀 Ready to enroll in The
FedNow® Service and take control of your cash flow?
👉 Visit
TodayPayments.com and get started today—fast-track your
future with real-time payments.
Creation Request for Payment Bank File
Enhance Your Instant Payments Enrollment Payment Requests with FedNow’s ISO 20022 Messaging
Streamline Payments with Advanced Request for Payment Options:
Harness the power of FedNow's Request for Payment system to transform how you manage invoices and remittances. Our platform supports diverse data integration options, allowing payees to incorporate detailed invoice data directly within the RfP message or link to a comprehensive Merchant Page.
Flexible Invoice Details with ISO 20022 Messaging:
Leverage the flexibility of ISO 20022 messaging standards in our RfP system. You can choose to display crucial payment details directly in the message with a concise 140-character description, or through a dynamic "Hyper-Link" leading to a detailed Merchant Page. This Merchant Page can be hosted either on your website or TodayPayments.com/HostedPaymentPage.html through our seamless integration solution.
Customizable Merchant Pages for Enhanced Customer Experience:
Create a Merchant Page that not only details all the MIDs you own but also presents these options attractively to your customers through the RfP. This customization ensures that whether your payer opts for Real-Time Payment, Same-Day ACH, or Card transactions, they can easily navigate and complete their payments through a simple click on the hyperlink provided on your Merchant Page.
Call us today and receive the .csv or .xml FedNow® or Request for Payment (RfP) file you need—all during your very first phone call! We guarantee that our comprehensive reports integrate flawlessly with your bank or credit union. As pioneers in recognizing the benefits of RequestForPayment.com, we have stayed years ahead of our competitors. Although we are not a bank, our role as an "Accounting System" within the Open Banking ecosystem enables us to work with billers to create effective RfP files that seamlessly upload to the biller's online banking platform. U.S. companies rely on our expertise to learn how to deliver the RfP message directly to their bank with precision.
Our advanced solution, Today Payments' ISO 20022 Payment Initiation (PAIN.013), demonstrates how to create a Real-Time Payments Request for Payment file that sends a clear message from the creditor (payee) to its bank. Most financial institutions support the import of messaging and batch files for both FedNow® and Real-Time Payments (RtP), ensuring smooth processing. Once the file is correctly uploaded, the creditor’s bank processes the payment through a secure "Payment Hub"—with The Clearing House serving as the RtP Hub—and relays the message to the debtor's (payer's) bank. This streamlined approach not only accelerates transaction processing but also enhances transparency and reliability for all parties involved.
... easily create Instant Payments RfP files. No risk. Test with your bank and delete "test" files before APPROVAL on your Bank's Online Payments Platform. Today Payments is a leader in the evolution of immediate payments. We were years ahead of competitors recognizing the benefits of
Same-Day ACH and Real-Time Payments funding. Our business clients receive faster availability of funds on deposited items and instant notification of items presented for deposit all based on real-time activity. Dedicated to providing superior customer service and industry-leading technology.
Contact Us for Instant Payments Enrollment payment processing pricing
