Accelerate Your Business with Real-time Payments via FedNow®

Experience Instantaneous Internal and External Financial Transfers

Real-Time Payment Efficiency with FedNow®.

Experience the unmatched speed of real-time payments with FedNow® Business. This feature allows businesses to conduct transactions instantaneously, boosting operational efficiency and enhancing customer satisfaction. The ability to perform secure, fast transactions both internally and with third-party companies sets FedNow® apart in the financial technology sector. Real-time processing means your business can move at the speed of global commerce.

With FedNow® Business, you gain access to cutting-edge payment technologies that ensure transactions are not only fast but also secure. This capability is crucial for businesses that require immediacy in their financial operations. Improve your transactional efficiency and maintain high security standards with FedNow®. Utilize this advanced payment solution to stay ahead in a fast-paced market.

Creation Request for Payment Bank File

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.