Leverage Same-Day ACH for Rapid FedNow® Business Transactions

Enhance Business Efficiency with Fast Account Transfers

Accelerated Payments with Same-Day ACH and FedNow®.

Accelerate your payment processes with the dual functionality of Same-Day ACH and the FedNow® Business account. This combination provides your business with the tools to execute rapid and secure transfers across both internal accounts and with third-party entities. Maximize your transactional efficiency and ensure the continuity of your business operations with this powerful solution. Same-Day ACH integration offers the speed your business needs to meet urgent financial demands.

Benefit from the accelerated payment capabilities offered by FedNow® and Same-Day ACH. These technologies are designed to streamline your payment processes, allowing for quicker clearing and settlement of transactions. Ensure that your business stays agile with fast, reliable payment solutions that keep your operations moving smoothly. Embrace a system that supports rapid growth and maintains high security standards to protect your financial assets.

Creation Request for Payment Bank File

Enhance Your 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.

Detailed Payment Information and Streamlined Processes:

By adopting ISO 20022 specifications, our system enables you to enrich the RfP messages with customized, detailed information that facilitates more than just transaction efficiency—it optimizes your entire payment and accounting processes. This added detail helps in streamlining operations, reducing errors, and enhancing the payment experience for both payers and payees.

Optimize Your Transaction Process with FedNow and ISO 20022:

Embrace the future of financial transactions by integrating these advanced capabilities into your payment systems. Our solutions not only provide the technical sophistication needed to handle detailed transaction information but also offer the flexibility and user-friendliness necessary to meet the diverse needs of modern businesses and consumers.

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.