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Biller's login - Hosted Payments Page
Real-Time Payments Gateway


Subscribe to Monthly Processing and Receive FedNow® Transactions as a Payee

Enroll as a Payee for Multiple FedNow® Accounts

FedNow® Subscribe FedNow Subscribe to Monthly Processing and Receive FedNow® Transactions as a Payee

As businesses evolve, instant payments and real-time fund transfers have become crucial for maintaining fast, secure, and cost-effective transactions. Traditional banking methods like ACH transfers, wire payments, and credit card processing come with delays, high transaction fees, and security concerns, making them inefficient for modern business operations.

With FedNow®, businesses can now receive real-time payments instantly, eliminating waiting periods and improving cash flow management. By subscribing to monthly FedNow® processing with TodayPayments.com, businesses can seamlessly enroll as Payees, allowing them to accept instant payments from customers, vendors, and partners across multiple banks and credit unions in all 50 states.

At TodayPayments.com, we provide merchant accounts for both The FedNow® Service and Real-Time Payments (RTP®), ensuring businesses can accept instant account-to-account (A2A) transactions without requiring full financial details. Instead, businesses can use cell phone numbers and email addresses as secure aliases, ensuring fast and secure transactions.

By subscribing to our monthly processing service, businesses can automate their payment processing, enroll multiple Merchant Identification Numbers (MIDs), and integrate with QuickBooks® QBO for seamless financial tracking and reconciliation—all without the need to visit a bank physically.

Secure and Organized Payment Processing with Multiple MIDs

Text Mobile Request for Real-Time Payment

Subscribe to Monthly Processing and Receive FedNow® Transactions as a Payee

Why Businesses Are Subscribing to FedNow® Monthly Processing with TodayPayments.com

Traditional banking processes are slow, expensive, and outdated.

By subscribing to monthly FedNow® processing with TodayPayments.com, businesses gain:

✅ Instant real-time payments as a Payee – Funds settle in seconds, not days.
✅ Alias-based transactions – Use cell phone numbers and email addresses instead of full banking details for added security.
✅ Multiple MIDs for better financial management – Get custom Merchant Identification Numbers (MIDs) for each alias to streamline operations.
✅ 24/7 online account management – No need to visit a bank physically to apply for FedNow®.
✅ QuickBooks® QBO integration – Automate reconciliation, improve cash flow tracking, and eliminate manual payment errors.

Premier FedNow® Merchant Services by TodayPayments.com

✅ Subscribe for Monthly Processing and Access FedNow® & RTP® Services

  • We provide merchant accounts for both FedNow® and Real-Time Payments (RTP®).
  • Most banks don’t offer this level of flexibility—but TodayPayments.com does!

✅ Enroll as a Payee for Multiple FedNow® Accounts Across Banks & Credit Unions

  • Connect multiple financial institutions to your FedNow® merchant account under one streamlined platform.
  • Perfect for businesses with multiple locations, divisions, or subsidiaries.

✅ Custom Hosted Payment Pages for Request for Payment (RfP) Invoicing

  • Generate branded, custom-hosted payment pages integrated with ISO 20022 messaging.
  • Insert payment links into invoices, text messages, and emails for seamless transactions.

✅ Multiple MIDs for Secure and Organized Payment Processing

  • Assign unique Merchant Identification Numbers (MIDs) to different aliases (phone numbers & emails).
  • Businesses with 100+ identifiers can consolidate their accounts with ease.

✅ Nationwide FedNow® Payment Processing Across All 50 States

  • Supports multiple banks and credit unions nationwide.
  • Ideal for businesses with multi-state operations and multiple financial institutions.

Subscribe FedNow
✅ "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 Subscribe to Monthly FedNow® Processing

1️⃣ Sign up online at TodayPayments.com—no bank visits required.
2️⃣ Register your cell phone number and email as secure aliases for FedNow® transactions.
3️⃣ Enroll multiple bank accounts and consolidate payments into a streamlined system.
4️⃣ Receive unique MIDs for each alias to simplify transaction management.
5️⃣ Integrate FedNow® with QuickBooks® QBO for seamless automation.
6️⃣ Start receiving instant FedNow® payments through mobile, email, and SMS invoicing.

Key Benefits of Subscribing to Monthly FedNow® Processing with TodayPayments.com

🔹 Reduce Processing Costs – Avoid High Credit Card Fees

  • FedNow® transactions are significantly cheaper than traditional credit card processing.
  • No chargebacks, PCI compliance fees, or high interchange rates.

🔹 Instant A2A Payments – Improve Cash Flow Efficiency

  • No waiting for ACH batch processing or wire transfers.
  • Funds settle immediately, ensuring better liquidity and cash flow stability.

🔹 100% Online Enrollment – No Bank Visits Needed

  • Apply for FedNow® processing anytime, from anywhere—fully digital onboarding.
  • Faster approval times compared to traditional banking methods.

🔹 Enhanced Security with Alias-Based Transactions

  • Never expose full banking details—use phone numbers or email aliases for transactions.
  • Multi-factor authentication enhances fraud protection.

🔹 Multiple MIDs for Enterprise-Level Financial Organization

  • Assign MIDs by department, business location, or corporate division.
  • Simplified transaction tracking for better financial oversight.

🔹 24/7/365 Payment Processing – No Delays

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

Industries That Benefit Most from Subscribing to Monthly FedNow® Processing

Retail & E-Commerce

  • Enable instant checkout for customers via real-time payments.
  • Reduce abandoned carts and improve conversion rates with instant transactions.

B2B & Wholesale Transactions

  • Process supplier and vendor payments instantly.
  • Eliminate wire transfer fees and ACH processing delays.

Subscription & Membership Services

  • Automate recurring billing cycles securely and without chargeback risks.
  • Ideal for SaaS, gyms, and membership-based businesses.

Freelancers & Gig Economy

  • Receive instant payments using phone numbers or email aliases.
  • No more waiting for contractor payments or transaction holds.

High-Risk Industries

  • No merchant restrictions based on industry type or credit history.
  • Ideal for businesses that banks typically decline, including CBD, adult, and gaming industries.

Subscribe to Monthly FedNow® Processing with TodayPayments.com Today

Are you ready to streamline your payment processing with instant, secure, and low-cost transactions? Subscribe to FedNow® monthly processing with TodayPayments.com and enjoy:

Instant transactions using phone numbers or email aliases for security.
Multiple MIDs for improved financial management and payment tracking.
100% digital subscription—skip the in-person banking hassle.
Lower processing costs with no chargebacks or PCI fees.
Seamless integration with QuickBooks® QBO for automated reconciliation.

Subscribe today at TodayPayments.com and start receiving FedNow® transactions instantly!

Creation Request for Payment Bank File

Enhance Your Subscribe 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.


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