FedNow® and RTP® Real-Time Payments Merchant Processing
Why Choose TodayPayments.com for Instant Real-Time Payment Processing?
FedNow® and RTP® Real-Time Payments Merchant
Processing – The Future of Instant Transactions
As businesses shift toward faster, more
secure, and cost-effective payment solutions, the demand for
instant transaction processing is growing. Traditional methods
like ACH and wire transfers often result in delayed settlements,
high processing fees, and unnecessary banking complexities.
With TodayPayments.com, businesses can now process real-time transactions seamlessly with FedNow® and RTP® Merchant Processing. This solution enables instant, secure, and efficient payments, helping businesses manage cash flow, reduce costs, and improve customer satisfaction.
Our alias-based system allows businesses to process payments using mobile phone numbers or email addresses instead of full banking details, ensuring higher security, operational flexibility, and streamlined transactions.
How to Apply to FedNow® and RTP® Merchant Processing
Why Choose TodayPayments.com for FedNow® and RTP® Merchant Processing?
1. Real-Time Payment Processing for Faster Transactions
- Send and receive payments instantly via FedNow® and RTP®, eliminating banking delays.
- 24/7 real-time transaction capability for seamless business operations.
- Multi-bank compatibility, allowing businesses to process payments across different financial institutions.
2. Secure & Scalable Merchant Solutions for All Business Types
- Alias-Based Transactions – Use a mobile phone number or email address instead of full banking details for increased security.
- Multi-Merchant Identification Numbers (MIDs) – Businesses can manage multiple MIDs across different bank accounts.
- Consolidate multiple bank accounts into one real-time payment network, improving financial efficiency.
3. Payment Processing for Legally High-Risk Industries
- Process real-time payments for high-risk products and services with credit cards, ACH, FedNow®, and RTP® transactions.
- Accept POS, retail, wholesale, MOTO, text, mobile, email, and SMS invoicing payments.
- Support for all business structures, including Sole Proprietors, Schedule C 1040 filers, LLCs, Partnerships, S-Corps, and C-Corps.
Key Features That Make TodayPayments.com the Best Choice for FedNow® & RTP® Merchant Processing
✅
QuickBooks® QBO Integration
– Automate invoicing, bookkeeping, and financial reconciliation.
✅ Multi-Bank Real-Time Payments Compatibility
– Process FedNow® and RTP® payments across multiple banks and
credit unions.
✅ Legally High-Risk Merchant
Processing Approved – Accept credit card, ACH, FedNow®, and
RTP® transactions for high-risk businesses.
✅
ISO 20022 Messaging with Hosted Payment Page – Generate
secure payment links and streamline Request-for-Payments
(RfPs).
✅ Alias-Based MID System –
Assign unique MIDs to multiple phone numbers and email
addresses, optimizing business transactions.
✅
"FREE" Real-Time Payments Bank Reconciliation – with all merchants process with us.
How to Transition to FedNow® and RTP® Merchant Processing
1️⃣ Choose a Reliable Payment
Provider – Work with
TodayPayments.com to activate your FedNow® and RTP®
merchant account instantly.
2️⃣ Utilize
Alias-Based Transactions for Security & Privacy – Process
payments using mobile phone numbers and email addresses
instead of full banking details.
3️⃣ Enroll
Multiple MIDs for Multi-Brand & Multi-Bank Transactions –
Manage all business payments under one streamlined system.
4️⃣ Automate Payment Collection Using ISO 20022
Messaging – Optimize billing, invoicing, and payment
collection with Request-for-Payments (RfPs).
5️⃣
Integrate QuickBooks® QBO for Automated Financial Management
– Sync transactions in real-time for seamless bookkeeping.
Get Started with Real-Time Payment Processing at TodayPayments.com
Eliminate slow transactions, high processing fees, and outdated banking restrictions. With TodayPayments.com, businesses can enter the real-time payment ecosystem, process transactions instantly, and manage financial operations efficiently.
Apply Today & Upgrade to FedNow® and RTP® Merchant Processing!
Visit TodayPayments.com to apply now!
Creation Request for Payment Bank File
Enhance Your Join RTP 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 Join RTP payment processing pricing
