Enroll Real-Time Payments Merchant Account for FedNow® Today
Top Benefits of FedNow® Real-Time Payment Processing
Why Now Is the Time to Enroll in FedNow®
Real-Time Payments
If your business is still waiting hours—or even
days—for payments to settle, you're already behind. The FedNow®
Service is transforming how American businesses send and receive
money, offering instant, secure payments 24/7/365. Whether
you operate a retail storefront, run wholesale operations, or bill
clients through email or mobile, real-time funding is now the
standard—not a bonus.
At TodayPayments.com, we help merchants like you enroll instantly in FedNow® merchant accounts, with full RTP®, ACH, and credit card support, QuickBooks® Online integration, and no setup fees. It’s the fastest, most secure way to process payments across all 50 states and all types of banking institutions.
Real-Time Features Built for Modern Merchants
TodayPayments.com offers a streamlined path to modern payment processing through FedNow® and RTP® with built-in flexibility for businesses of any size or risk category.
You’ll get:
- ✔️ Instant online enrollment—no bank visit required
- ✔️ Zero application or setup fees
- ✔️ Merchant Identification Numbers (MIDs) across all aliases and entities
- ✔️ Integration with 100+ banks and credit unions across the U.S.
- ✔️ Hosted Payment Pages + ISO 20022-compliant RfP messaging
- ✔️ Alias-based security using emails and phone numbers
- ✔️ Real-time treasury and reconciliation reporting
- ✔️ High-risk, poor credit, and non-traditional merchants accepted
From retail POS to mobile payments, text invoicing, and recurring billing—our system gives you complete control over every transaction rail.
Whether you're a local shop or a nationwide enterprise, FedNow® merchant accounts from TodayPayments.com offer unmatched advantages:
Alias-Based Payment Security
Use email addresses and mobile numbers as aliases for secure payments without exposing sensitive financial data. Each alias gets its own MID, allowing you to manage over 100+ digital identities under one account umbrella.
Real-Time Reporting Loved by CFOs
Gain full visibility into your transaction lifecycle with real-time reconciliation tools. Batch uploads, A2A transfers, and instant identity verification give your bookkeepers and treasurers total peace of mind.
National & Scalable Support
Enroll with multiple banks or credit unions across all 50 U.S. states, perfect for companies with regional offices, franchises, or subsidiaries.
Instant B2B, B2C, A2A, and C2B Transactions
Offer clients, partners, and vendors payee-initiated payments with near-instant settlement—making cash flow more predictable and reliable.
SMB Real-Time Features Built for Modern Merchants
✅ Free FedNow® + RTP® Application
Apply at no cost, without paperwork, red tape, or hidden fees.
✅ Hosted Payment Pages
Customize your RfP messages with embedded links to hosted payment portals—compatible with ISO 20022 standards.
✅ QuickBooks® Online Integration
Seamlessly sync real-time payments into your accounting software. Your CFO will thank you.
✅ Support for High-Risk and Credit-Challenged Merchants
Unlike traditional banks, we work with all business types—including those processing legally high-risk products and services.
✅ POS, Text, Web, and MOTO Invoicing
Accept payments through any channel, from point-of-sale to email to SMS—all integrated and tracked in real time.
✅ Consolidate & Expand
We can consolidate multiple MIDs, aliases, or bank accounts into a unified dashboard—while still supporting scale across multiple institutions.
Say Hello to Real-Time Money with TodayPayments.com
Why stick with outdated payment methods when FedNow® offers guaranteed, good funding in seconds?
At TodayPayments.com, we make it easy to enroll in a FedNow® real-time payments merchant account—with free setup, alias-based security, ISO 20022 RfPs, and full compatibility with RTP®, ACH, and credit card rails. You get full financial control without ever walking into a bank branch.
✅ No fees, no paperwork
✅ Works with all business types—even
high-risk
✅ Nationwide support across all 50
states
✅ POS, MOTO, Mobile, and Web invoicing
✅ Sync with QuickBooks® in real-time
✅ Real-time treasury tools for CFOs and bookkeepers
✅ Process B2B, A2A, C2B, and B2C payments instantly
Ready to upgrade to
real-time financial freedom?
Visit
TodayPayments.com to enroll your FedNow® merchant account
today and start processing payments the moment they’re approved.
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.
Contact Us for Enroll Real-Time Payments payment processing pricing
