Activate FedNow® Instantly – Automate Request for Payment and Send Funds
Access The FedNow® Service & Real-Time Payments (RTP®)
Activate FedNow® Instantly – Automate
Request for Payment and Send Funds
Businesses today require faster, more secure,
and cost-effective payment processing to stay ahead in an evolving
financial landscape. Traditional payment methods such as credit card
transactions, ACH transfers, and wire payments come with delays,
high fees, and fraud risks, creating inefficiencies in cash flow
management.
With The FedNow® Service, businesses can send and receive instant account-to-account (A2A) payments using a secure alias system—allowing transactions to be processed through a cell phone number or email address instead of requiring full financial details.
At TodayPayments.com, we simplify FedNow® activation and automation, enabling businesses to set up Request for Payment (RfP) invoicing and real-time fund transfers effortlessly. By partnering with us, businesses can also apply for FedNow® processing merchant accounts and Real-Time Payments (RTP®) network MIDs with multiple banks and credit unions nationwide—all without the need to visit a physical bank.
As a leading U.S. Accounting Fintech merchant processing company, we offer seamless integration with QuickBooks® QBO, ensuring real-time financial reconciliation, transaction tracking, and enhanced automation for businesses of all sizes.
Streamline Multiple MIDs for Secure Payment Processing
Activate FedNow® Instantly – Automate RfP and Fund Transfers with TodayPayments.com
Why Businesses Are Activating FedNow® with TodayPayments.com
Traditional payment processing is inefficient, expensive, and slow.
By activating FedNow® with TodayPayments.com, businesses can:
✅ Instantly process payments
and automate Request for Payment (RfP) transactions.
✅ Use cell phone numbers and email addresses instead of
full banking details for secure transactions.
✅
Obtain multiple MIDs (Merchant Identification Numbers) for
business aliases to optimize financial operations.
✅
Apply for and enroll in multiple FedNow® accounts across
different financial institutions online—no bank visits required.
✅ Seamlessly integrate FedNow® payments into
QuickBooks® QBO for automated reconciliation.
Premier FedNow® Merchant Services by TodayPayments.com
✅ Access Both The FedNow® Service & Real-Time Payments (RTP®) Network
- We provide merchant accounts for The FedNow® Service and RTP®.
- Most banks cannot offer this service combination—but TodayPayments.com does!
✅ Enroll in Multiple FedNow® Accounts with Various Banks & Credit Unions
- We enable businesses to connect multiple financial institutions under a single streamlined system.
- Ideal for companies with multiple locations, divisions, or subsidiaries.
✅ Custom Hosted Payment Pages for Request for Payment (RfP) Invoicing
- Generate branded, custom-hosted payment pages integrated with ISO 20022 messaging.
- Insert payment links in invoices, emails, and text messages to simplify transactions.
✅ Multiple MIDs for Enhanced Payment Organization
- Assign unique Merchant Identification Numbers (MIDs) to different email addresses and phone numbers.
- Businesses with 100+ identifiers can seamlessly consolidate their accounts.
✅ Nationwide FedNow® Processing Coverage Across All 50 States
- Support for multiple banks and credit unions across the U.S.
- Essential for businesses operating nationwide with multiple banking relationships.
✅
"FREE" Real-Time Payments Bank Reconciliation – with all merchants process with us.
- Treasurers and CFOs can manage transactions instantly using our reconciliation tools.
- No additional costs—this is a free feature!
1️⃣ Sign up online at
TodayPayments.com—no in-person banking required.
2️⃣
Register a cell phone number or email address as an alias for
transactions.
3️⃣ Enroll multiple bank
accounts and consolidate payment processing.
4️⃣
Receive unique MIDs for each alias for improved transaction
management.
5️⃣ Integrate The FedNow®
Service with QuickBooks® QBO for seamless reconciliation.
6️⃣ Start accepting instant FedNow® payments
through mobile, email, and SMS invoicing.
Key Benefits of Activating FedNow® with TodayPayments.com
🔹 Reduce Payment Processing Costs – Eliminate Credit Card Fees
- FedNow® transactions are more cost-effective than traditional credit card processing.
- Avoid chargebacks, PCI compliance fees, and high interchange rates.
🔹 Instant A2A Payments – Enhance Cash Flow Management
- No waiting for ACH settlements or wire transfer clearances.
- Immediate fund availability improves liquidity and cash flow stability.
🔹 100% Online Enrollment – No Bank Visits Needed
- Apply anytime from anywhere—fully digital onboarding.
- Faster approval process compared to legacy banking applications.
🔹 Alias-Based Payments for Enhanced Security
- Avoid exposing sensitive banking details—use phone numbers or emails instead.
- Stronger fraud protection with multi-factor identity verification.
🔹 Multiple MIDs for Enterprise-Level Financial Organization
- Assign different MIDs for departments, locations, or corporate divisions.
- Optimize transaction tracking for improved reporting and compliance.
🔹 24/7/365 Payment Processing – No Delays
- Accept and send FedNow® payments anytime—including weekends and holidays.
Industries That Benefit Most from Activating FedNow®
Retail & E-Commerce
- Enable instant checkout for customers via real-time payments.
- Reduce transaction friction and improve order fulfillment speed.
B2B & Wholesale Transactions
- Enhance supplier and vendor relationships with instant payment processing.
- Eliminate ACH delays and wire transfer fees.
Subscription & Membership-Based Businesses
- Automate recurring billing cycles securely and without chargeback risks.
- Ideal for SaaS, digital platforms, and membership services.
Freelancers & Gig Economy
- Instantly receive payments using phone numbers or email aliases.
- No more delays in contractor payouts or transaction holds.
High-Risk Industries
- No restrictions based on industry type or credit rating.
- Perfect for industries typically declined by traditional banks, such as CBD, gaming, and adult services.
Activate FedNow® Instantly with TodayPayments.com
Are you ready to unlock the power of instant, secure, and low-cost real-time payments?
Activate FedNow® with TodayPayments.com today and experience:
Instant transactions using phone numbers or
email aliases for security.
Multiple MIDs to streamline payment
management and financial organization.
100% online
activation—skip the bank visits and get started today.
Lower
processing costs with zero chargebacks or PCI compliance fees.
Seamless integration with QuickBooks® QBO for automated
reconciliation.
Sign up now at TodayPayments.com and start automating Request for Payment (RfP) and sending instant FedNow® payments effortlessly!
Creation Request for Payment Bank File
Enhance Your Application FedNow 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 Application FedNow payment processing pricing
