Best Rate FedNow® & RTP® Real-Time Payments Merchant Service
Why TodayPayments.com is the Best Choice for RTP® & FedNow® Payment Processing
Best Rate FedNow® and RTP® Real-Time
Payments Merchant Service
For businesses looking to optimize cash flow
and eliminate payment delays, real-time payment solutions are
the future. Traditional banking transactions—such as ACH and wire
transfers—are slow, costly, and inefficient for modern
businesses that require instant financial movement.
With TodayPayments.com, merchants can access the best-rate FedNow® and RTP® real-time payments merchant services, providing seamless instant transactions across multiple banks and credit unions in all 50 states.
Our innovative platform allows businesses to process real-time payments with alias-based transactions, meaning merchants can use a cell phone number or email address as an alias instead of full financial details. This enhances security, flexibility, and convenience for businesses of all sizes.
How to Transition to the Best-Rate Real-Time Payments Merchant Service
Why Choose TodayPayments.com for FedNow® & RTP® Merchant Services?
1. Instant FedNow® & RTP® Payment Processing
- Send and receive funds instantly—eliminate delays associated with traditional ACH and wire transfers.
- 24/7 real-time payment processing, even on weekends and holidays.
- Multi-bank compatibility, allowing transactions across different financial institutions.
2. Secure Alias-Based Payment System
- Use a business cell phone number or email address as a transaction alias instead of complete financial data.
- Consolidate multiple MIDs (Merchant Identification Numbers) for seamless transaction management.
- Enroll all your bank accounts into The FedNow® Service and RTP® network for instant payments.
3. Business-Friendly Payment Solutions
- Accept payments via POS, retail, wholesale, MOTO, text, mobile, email, and SMS invoicing.
- Ideal for sole proprietors, Schedule C 1040 filers, partnerships, LLCs, S-Corps, and C-Corps.
- Lower transaction fees than traditional payment methods, reducing costs for merchants.
Key Features That Make TodayPayments.com the Best Choice for Real-Time Payment Processing
✅
QuickBooks® QBO Integration
– Automate reconciliation, financial tracking, and reporting.
✅ Multi-Bank RTP® and FedNow® Compatibility –
Process real-time transactions with multiple financial
institutions.
✅ ISO 20022 Messaging with Hosted
Payment Page – Insert secure payment links into
Request-for-Payments (RfPs) for seamless payment collection.
✅ Alias-Based MID System – Assign unique
MIDs to multiple email addresses and phone numbers, even for
businesses with over 100 payment sources.
✅
"FREE" Real-Time Payments Bank Reconciliation – with all merchants process with us.
How to Transition to the Best Rate FedNow® & RTP® Real-Time Payments Merchant Service
1️⃣ Select a Trusted Payment
Provider – Work with
TodayPayments.com for seamless FedNow® and RTP®
activation.
2️⃣ Use Alias-Based
Transactions for Security & Privacy – Process payments using
cell phone numbers and email addresses instead of full
banking details.
3️⃣ Enroll Multiple MIDs for
Multi-Brand & Multi-Bank Transactions – Manage all
transactions under one integrated system.
4️⃣
Automate Payment Collection Using ISO 20022 Messaging –
Enhance billing, invoicing, and payment efficiency with
Request-for-Payments (RfPs).
5️⃣ Integrate
QuickBooks® QBO for Real-Time Accounting – Automate financial
tracking and improve transaction management.
Start Accepting Real-Time Payments with TodayPayments.com
Stop dealing with slow, high-fee payment methods. With TodayPayments.com, businesses can activate real-time payments instantly, process funds securely, and streamline financial operations.
Apply Today & Experience the Best-Rate FedNow® & RTP® Merchant Service!
Visit TodayPayments.com to apply now!
Creation Request for Payment Bank File
Enhance Your Application 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 Application RTP payment processing pricing
