Real-Time Payments Gateway


Accept FedNow® Instant Payment Service – The Smartest Payment Solution for Businesses


Why Businesses Are Accepting FedNow®

FedNow® Accept FedNow Accept FedNow® Instant Payment Service – The Future of Real-Time Transactions

For businesses of all sizes, accepting FedNow® instant payments is the key to faster, safer, and more cost-effective transactions. Traditional payment methods like credit cards, ACH transfers, and wire payments come with processing delays, high fees, and chargeback risks, which can slow down cash flow and increase operational costs.

With The FedNow® Service, businesses can process instant account-to-account (A2A) credit and debit transactions without requiring customers to enter full financial data. Instead, cell phone numbers and email addresses can be used as secure aliases/monikers for payments, making transactions more secure and convenient.

At TodayPayments.com, we offer FedNow® merchant processing with Real-Time Payments (RTP®) network MIDs, allowing businesses to enroll multiple bank accounts into FedNow® and consolidate transactions across multiple financial institutions, banks, and credit unions—all online, without ever visiting a physical bank branch.

As an accounting fintech merchant processing company, we also integrate FedNow® with QuickBooks® QBO, providing automated reconciliation, real-time transaction tracking, and seamless financial reporting.

Accept FedNow® & Real-Time Payments (RTP®) for Instant Processing

Text Mobile Request for Real-Time Payment

Accept FedNow® Instant Payment Service – The Best Payment Solution for Businesses

Why Businesses Are Accepting FedNow® with TodayPayments.com

Traditional payment systems are slow, expensive, and outdated.

By accepting FedNow® payments with TodayPayments.com, businesses gain:

Instant real-time payments – Transactions settle in seconds, not days.
Alias-based transactions – Customers can use cell phone numbers or email addresses instead of bank account numbers.
Multiple MIDs for all aliases – Businesses receive custom Merchant Identification Numbers (MIDs) for better organization.
24/7 online enrollmentNever visit a bank to set up FedNow® again!
QuickBooks® QBO integrationSeamless financial tracking and automated reconciliation.


Premier FedNow® Merchant Services by TodayPayments.com

Accept FedNow® & Real-Time Payments (RTP®) for Instant Processing

  • We provide merchant accounts for both The FedNow® Service and RTP®.
  • Most banks won’t offer this level of flexibility, but we do!

Enroll Multiple FedNow® Accounts with Different Banks & Credit Unions

  • We enable businesses to link multiple financial institutions under one platform.
  • Perfect for companies with divisions, subsidiaries, and multi-bank relationships.

Custom Hosted Payment Pages for RfP Invoicing

  • Generate custom payment pages linked to ISO 20022-compliant invoices.
  • Insert direct payment hyperlinks into invoices, emails, and text messages for frictionless transactions.

Support for Multiple Email Addresses & Cell Phone Numbers

  • Assign separate MIDs for each alias (email or phone number).
  • Businesses with 100+ identifiers can enroll effortlessly.

Real-Time Payments Across 50 States

  • Works with multiple banks and credit unions nationwide.
  • Ideal for businesses with operations across multiple states.

Request for Real-Time Payment
"FREE" Real-Time Payments Bank Reconciliation – with all merchants process with us. Real-Time Payments Bank Reconciliation

  • Treasurers and CFOs can manage transactions instantly using our reconciliation tools.
  • No additional costs—this is a free feature!

Step-by-Step Guide for U.S. Merchants to Accept FedNow® Payments

1️ Sign up online at TodayPayments.com—no in-person bank visits required.
2️ Register your cell phone number and email address as aliases for FedNow® transactions.
3️ Enroll multiple bank accounts and consolidate transactions across different financial institutions.
4️ Receive unique MIDs for each alias, allowing better payment tracking.
5️ Integrate FedNow® with QuickBooks® QBO for automated financial reconciliation.
6️ Accept instant FedNow® payments via mobile, email, and SMS invoicing.


Key Benefits of Accepting FedNow® with TodayPayments.com

🔹 Eliminate Credit Card Fees & Processing Delays

  • FedNow® transactions cost significantly less than traditional credit card payments.
  • No chargebacks, PCI compliance fees, or high processing costs.

🔹 Instant Real-Time Payments for Better Cash Flow

  • Funds settle within seconds—no more waiting for days.
  • Ideal for payroll, supplier payments, and invoice settlements.

🔹 No Physical Bank Visits – 100% Online Enrollment

  • Apply anytime, anywhere, with no need for in-person applications.
  • Faster approval process compared to traditional banking.

🔹 Secure Payments with Alias-Based Transactions

  • Never expose full banking details—use a phone number or email alias instead.
  • Ideal for businesses prioritizing security and fraud prevention.

🔹 Multiple MIDs for Organized Payment Management

  • Assign unique MIDs by business location, department, or subsidiary.
  • Enhance financial reporting and transaction tracking.

🔹 24/7/365 Payment Processing

  • Accept and send FedNow® payments anytime—including weekends & holidays.

Industries That Benefit Most from Accepting FedNow® Payments

Retail & E-Commerce

  • Accept real-time payments for online and in-store transactions.
  • Reduce pending transactions and improve customer experience.

B2B & Wholesale Payments

  • Instant vendor payments reduce delays in the supply chain.
  • Eliminate wire transfer fees and ACH processing hold times.

Subscription & Membership Services

  • Automate recurring payments with no chargeback risks.
  • Perfect for SaaS, fitness clubs, and membership-based businesses.

Freelancers & Gig Economy

  • Get paid instantly using a phone number or email alias.
  • No more delays in accessing earnings.

High-Risk Industries

  • No merchant account restrictions based on industry type or credit history.
  • Perfect for industries typically declined by banks, including CBD, adult, and gaming.

Accept FedNow® Payments with TodayPayments.com Today

Are you ready to offer instant, low-cost, and secure real-time payments?

Accept FedNow® payments with TodayPayments.com and enjoy:

Instant transactions using phone numbers or email aliases.
Multiple MIDs for better financial organization and flexibility.
100% online enrollment—no bank visits required.
Lower processing costs with no chargebacks or PCI fees.
Seamless integration with QuickBooks® QBO for automated financial tracking.

Sign up today with TodayPayments.com and start accepting real-time FedNow® payments instantly!

Creation Request for Payment Bank File

Enhance Your Accept FedNow 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.

Request for Payment



... 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 Accept FedNow payment processing pricing