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"All participants receive instant real-time electronic notifications. Use our online Payment Gateway interface or integrate your in-house system with our API"
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Best Rate Credit Card Merchant Service for Businesses
Why Choose TodayPayments.com for Small Business Credit Card Processing?
Best Rate Credit Card Merchant Service for Businesses
In today’s fast-paced digital economy, businesses need a secure, cost-effective, and efficient credit card payment processing solution to maximize profitability and customer satisfaction. Unfortunately, many traditional processors impose hidden fees, long settlement times, and limited banking flexibility, making it challenging for businesses to scale.
With TodayPayments.com, businesses can access the best-rate credit card merchant services, offering low processing fees, fast transactions, and multi-bank compatibility. Our platform provides merchant accounts (MIDs) across multiple banks and credit unions in all 50 states, ensuring businesses can process payments smoothly without being tied to a single financial institution.
Additionally, we support alias-based transactions, allowing businesses to use a cell phone number or email address instead of full financial details, ensuring higher security, privacy, and operational flexibility.
How to Transition to the Best-Rate Credit Card Merchant Service
Why Choose TodayPayments.com for Your Credit Card Merchant Service?
1. Fast & Secure Credit Card Payment Processing
- Accept all major credit and debit cards, ensuring seamless customer transactions.
- Instant merchant account approval for businesses of all sizes, from sole proprietors to corporations.
- Multi-bank processing—allowing businesses to operate across multiple financial institutions for enhanced flexibility.
2. Request-for-Payment (RfP) with ISO 20022 Messaging
- Automate payment requests with embedded payment details in a 140-character description or hyperlink.
- Seamless Hosted Payment Page Integration—host payments on your website or TodayPayments.com.
- Alias-Based Transactions – Process payments securely using a business cell phone number or email address instead of full banking data.
3. Small Business-Friendly Payment Processing
- Accept payments via POS, retail, wholesale, MOTO, text, mobile, email, and SMS invoicing.
- Available for sole proprietors, Schedule C 1040 filers, partnerships, LLCs, S-Corps, and C-Corps.
- Lower processing fees compared to traditional banking services, helping businesses save more on transactions.
Key Features That Make TodayPayments.com the Best Choice for Credit Card Merchant Services
✅
QuickBooks® QBO Integration
– Automate accounting, reconciliation, and financial tracking.
✅ Multi-Bank Credit Card Processing – Process
payments across multiple financial institutions with a
single merchant account.
✅ Same-Day ACH,
FedNow®, and RTP® Support – Accept credit cards, real-time
payments, and instant bank transfers all in one place.
✅ Hosted Payment Page with ISO 20022 Messaging
– Insert secure payment links into Request-for-Payments
(RfPs) for enhanced transaction security.
✅
Alias-Based MID System – Assign unique MIDs to multiple
phone numbers and email addresses for greater payment
flexibility.
✅
"FREE" Real-Time Payments Bank Reconciliation – with all merchants process with us.
How to Transition to the Best Rate Credit Card Merchant Service
1️⃣ Choose a Trusted Payment
Processor – Work with
TodayPayments.com for seamless and secure credit card
processing.
2️⃣ Utilize Alias-Based
Transactions for Security & Privacy – Process transactions
using cell phone numbers or email addresses instead of full
banking details.
3️⃣ Enroll Multiple MIDs for
Multi-Brand & Multi-Bank Transactions – Consolidate and
streamline business payments across multiple financial
institutions.
4️⃣ Automate Payment
Collection Using ISO 20022 Messaging – Optimize billing,
invoicing, and payment processing with Request-for-Payments
(RfPs).
5️⃣ Integrate QuickBooks® QBO for
Automated Accounting – Sync transactions in real-time
for improved financial reporting.
Start Accepting Credit Card Payments with TodayPayments.com
Stop struggling with high processing fees, slow settlements, and limited banking options. With TodayPayments.com, businesses can access the lowest rates for credit card processing, automate invoicing, and integrate real-time payment solutions seamlessly.
Sign Up Today & Get the Best-Rate Credit Card Merchant Service!
Visit TodayPayments.com to apply now!
Creation Request for Payment Bank File
Enhance Your Application RTP using Credit Cards 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 Real-Time 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 Request For Payment payment processing
