Enroll Real-Time Payments Merchant Account RTP® with Instant Approval
How to use Top Benefits of Real-Time Payments with TodayPayments.com
Why Real-Time Payments Are the Future of Business
In today’s digital-first economy, businesses can no longer afford to wait days for payments to clear. Whether you're a startup, established enterprise, or operating in a high-risk category, Real-Time Payments (RTP®) offer speed, security, and flexibility that traditional ACH and wire transfers simply can't match.
At TodayPayments.com, we help you enroll instantly in an RTP® merchant account, enabling 24/7/365 payments with instant settlement. With zero setup fees and no need to visit a bank, our all-digital solution supports everything from multi-bank integration to custom invoicing and QuickBooks® sync. It’s time to future-proof your payment systems—starting now.
Key Features for Merchants Adopting RTP® and FedNow®
Gone are the days of slow funding and manual paperwork. With TodayPayments.com, merchants can apply online for a Real-Time Payments (RTP®) merchant account, with optional FedNow® integration, in just minutes. Here’s what you get:
- Instant online enrollment — no in-person bank visits required
- Multiple MIDs across various divisions, aliases, and bank accounts
- Free RTP® and FedNow® merchant account applications
- Real-time payment processing for B2B, B2C, A2A, and C2B
- Integration with over 100+ U.S. banks and credit unions
- Alias-based ID (use your cell phone or email as payment monikers)
- Instant fund movement with real-time reconciliation and reporting
If you’ve been riding the outdated rails of ACH and credit card settlements, this is your moment to shift to something faster, smarter, and fully automated.
Our platform is built to meet the modern needs of merchants—from streamlined setup to full interoperability across payment networks.
✅ No Setup Fees, Ever
Start processing RTP® and FedNow® payments without paying anything upfront.
✅ Merchant Accounts for All Business Types
Whether you’re a sole proprietor, LLC, partnership, S-Corp, or C-Corp, we welcome you—regardless of credit status.
✅ Alias-Based Security
Protect sensitive financial data by using email addresses or phone numbers as transaction aliases—each tied to a dedicated MID.
✅ Hosted Payment Pages & RfP Integration
Generate dynamic Request-for-Payment (RfP) messages with clickable hosted payment page links, fully compliant with ISO 20022 messaging standards.
✅ Multi-Bank & Multi-State Compatibility
Enroll merchant accounts across all 50 states and with multiple financial institutions—great for subsidiaries and national expansion.
✅ QuickBooks® Online Integration
Connect your payment flow directly into your QBO for real-time accounting reconciliation—your bookkeeper will thank you.
✅ Recurring Billing + Batch Uploads
Perfect for high-volume and subscription-based businesses—batch upload/download capabilities built right in.
Take advantage of cutting-edge features designed for maximum flexibility and financial control:
- Real-time reporting dashboard for CFOs and treasurers
- POS, mobile, web, SMS, and email invoicing included
- Support for high-risk merchants and bad credit businesses
- Payee-initiated payments and larger transaction limits than wires
- Instant verification of payee and payer identity
- Guaranteed funding with no chargebacks or returns
- Consolidation of MIDs from multiple aliases across banks
- A2A transactions and faster supplier payments with full interoperability
You don’t need to wait days to get paid—or drive to a bank. Our solution is available 24/7, fully online, and backed by U.S.-based fintech experts who understand your accounting needs.
Take the Leap into Real-Time with TodayPayments.com
Why wait hours—or days—for funding when you can get paid in seconds?
At TodayPayments.com, we offer a truly modern experience for businesses ready to enroll in Real-Time Payments (RTP®) and FedNow® merchant accounts. With alias-based security, full nationwide support, hosted RfP pages, and QuickBooks® Online integration, we give your business the tools to thrive in a real-time economy.
Whether you're managing multiple subsidiaries, handling sensitive payment data, or just need faster cash flow—we’ve got you covered.
✅ 100% online enrollment
✅ Free application and setup
✅
Real-time payments across RTP®, FedNow®,
ACH, and card rails
✅ High-risk merchants welcome
✅ Up to 100+ aliases with individual MIDs
✅
Real-time treasury reporting tools for your finance team
🚀 Ready to process faster,
smarter, and more securely?
👉 Visit
TodayPayments.com to enroll your Real-Time Payments
merchant account today!
Creation Request for Payment Bank File
Enhance Your Enroll Real-Time Payments 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.
Each day, thousands of businesses around the country are turning their transactions into profit with real-time payment solutions like ours.
Contact Us for Enroll Real-Time Payments payment processing pricing
