Enroll in Instant Payments with FedNow® and RTP® for Your Business
Top Benefits of Instant Payments for U.S. Merchants
Why Instant Payment Enrollment Is a
Game-Changer for U.S. Businesses
In today’s fast-paced world, instant
payments aren’t a luxury—they’re a competitive necessity.
Whether you’re processing invoices, sending B2B transactions, or
managing recurring billing, outdated ACH and slow credit card
settlements can limit cash flow and create accounting headaches.
That’s where TodayPayments.com comes in.
We offer a no-hassle enrollment into FedNow® and RTP® real-time payment networks with zero setup fees, full compatibility across all 50 U.S. states, and support for high-risk and multi-entity merchants. If you’re ready to take control of your business cash flow, you’re in the right place.
FedNow® and RTP® Compatibility Features Built for Growth
Say goodbye to slow ACH transfers and restrictive bank portals. With TodayPayments.com, you can:
- Apply instantly for FedNow® and Real-Time Payments (RTP®)
- Set up multiple MIDs across different banks or subsidiaries
- Use email and cell phone aliases for payment security and smart reconciliation
- Never visit a bank branch again—our platform is 100% online, 24/7
Whether you're a Sole Proprietor or a C-Corp, we make real-time payments easy, scalable, and powerful.
Here’s what makes TodayPayments.com the premier platform for enrolling in instant payments:
✅ Free FedNow® and RTP® Applications
No setup fees. Zero bank paperwork. Just instant onboarding with guaranteed good funding.
✅ 100% Online Enrollment – No Bank Visits Required
We’re not a bank—we’re your accounting-focused fintech partner. Enroll from your office, your phone, or on the go.
✅ Multi-State, Multi-Bank Support
Get real-time payment coverage across all 50 U.S. states with multiple credit unions or banks per business entity.
✅ Alias-Based Security
Use cell phone numbers and email addresses as secure aliases instead of exposing sensitive financial data.
✅ 100+ Unique MIDs Available
Manage up to 100+ separate merchant IDs tied to different emails or phone numbers—perfect for multi-location, multi-division operations.
✅ Hosted Payment Pages with ISO 20022 RfP
Embed a custom payment link into your Request-for-Payment (RfP) messages. Hosted on your site or ours.
✅ Instant B2B, B2C, A2A, and C2B Payment Flows
Whether you're processing supplier payouts or customer invoices, we support payee-initiated transactions and real-time settlement.
TodayPayments.com is engineered for scalability, speed, and financial clarity. Here’s what else you get:
- 💡 QuickBooks® Online (QBO) Integration – Sync payments directly into your books in real time
- 🏦 Real-Time Reconciliation Reports – Loved by accountants, bookkeepers, treasurers, and CFOs
- 📲 POS, Mobile, Web, MOTO, SMS, and Email Invoicing – Every channel supported
- 🔁 Batch Uploads/Downloads + Recurring Billing – Streamline large-volume operations
- 🔓 High-Risk and Bad Credit Merchants Accepted – We say yes where others say no
- 💵 Larger Transaction Limits Than Wires – With faster clearance, better traceability, and 24/7 uptime
- ⚡ Instant Identity of Payee and Payer – With guaranteed payment confirmations
- 🔄 Consolidation of Multiple MIDs – Merge aliases under one umbrella to simplify reconciliation
🎯 Apply for Instant FedNow® + RTP® Payments with TodayPayments.com
Why wait days for ACH when you can get real-time payments now?
TodayPayments.com is your full-service, real-time payment processing partner for FedNow®, RTP®, ACH, and credit cards. From small business startups to national enterprises and high-risk industries—we take every merchant.
✅ Zero sign-up fees
✅ Instant online enrollment—no bank visit required
✅ Full support across all 50 states and financial
institutions
✅ Multi-alias, multi-bank,
multi-division capability
✅ Free
reconciliation tools and hosted payment pages
✅
Compatible with ISO 20022 messaging and QuickBooks®
🛠️ Ready to Enroll in Instant Payments?
👉 Visit https://www.TodayPayments.com now to apply and start processing FedNow® and RTP® payments in real time.
Your future self (and your CFO) will say… Wow.
Creation Request for Payment Bank File
Enhance Your Enroll Instant 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 Instant Payments payment processing pricing
