Real-Time Payments Gateway


FedNow Faster Payments: Real-Time Transactions with FedNow® & RTP®


What Are FedNow Faster Payments?

FedNow® FedNow Faster Payments The Future of FedNow® Faster Payments

The world of digital payments is evolving at an unprecedented speed. While credit cards and Same-Day ACH transactions have long dominated business and consumer payments, they lack the real-time speed and certainty of good funds that today’s economy demands.

Enter FedNow® and RTP® (Real-Time Payments)—the game-changers in instant payments. FedNow Faster Payments deliver transactions that are faster than credit cards and Same-Day ACH, ensuring funds are instantly available with no delays or reversals.

With the adoption of ISO 20022 messaging, businesses and consumers benefit from rich data transparency, automation, and compliance, making real-time payments more secure and efficient.

Instant Payments with Certainty of Good Funds

What Are FedNow Faster Payments?

Instant Payments with Certainty of Good Funds

Unlike traditional payment methods, FedNow Faster Payments guarantee immediate settlement, meaning no pending transactions or fund reversals. This certainty of good funds enhances cash flow for businesses and provides consumers with seamless transactions.

The Role of ISO 20022 Messaging in Real-Time Payments

FedNow® and RTP® use ISO 20022 messaging standards, offering:
Rich data integration – Detailed transaction insights for businesses
Automated processing – Reduced manual reconciliation errors
Enhanced security – Fraud detection through structured messaging

Alias-Based Transactions for Ultimate Convenience

With FedNow’s Alias feature, users can send and receive payments using an email or cell phone number instead of a traditional bank account.
No need to remember lengthy account details
Bank verification through FedNow Hub filters
Seamless transactions across B2B, C2B, and B2C payments


Ask us how:

How FedNow Faster Payments provide instant transactions with certainty of good funds.

Why FedNow Faster Payments are faster than credit cards & Same-Day ACH.

Seamless B2B, C2B, and B2C real-time transactions with FedNow & RTP®.

How businesses can use FedNow Faster Payments for vendor & supplier payments.

Why ISO 20022 messaging enhances security & automation in real-time payments.


Key Benefits & Features of FedNow Faster Payments

🚀 Faster Than Credit Cards & ACH

  • Instant settlement with no waiting periods
  • No chargebacks or disputes, unlike credit card transactions

🔒 Certainty of Good Funds

  • Guaranteed fund availability at the time of transaction
  • Reduces fraud risks and insufficient fund issues

📩 Alias-Based Payments for Simplicity

  • Pay using an email or phone number instead of account details
  • FedNow Hub filters ensure the correct account is linked

🌎 B2B, C2B, and B2C Support

  • Businesses can instantly pay vendors, suppliers, and customers
  • Consumers can make real-time payments without delays
  • Payroll, invoice payments, and refunds processed in seconds

🔍 ISO 20022 Standardization for Compliance & Automation

  • Structured payment data for better transaction tracking
  • Supports cross-border payment integration

Sales-Driven Conclusion: Get Started with FedNow Faster Payments on TodayPayments!

Why settle for slow, outdated payment methods when you can send and receive money in real-time? FedNow Faster Payments with RTP® provide instant, secure, and alias-based transactions, making payments faster than credit cards and Same-Day ACH—all while ensuring certainty of good funds.

💸 Ready to upgrade your payment system?


Join TodayPayments and start accepting FedNow Faster Payments today!

Creation Request for Payment Bank File

Enhance Your FedNow Faster 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.

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.

Each day, thousands of businesses around the country are turning their transactions into profit with real-time payment solutions like ours.


Contact Us for FedNow Faster Payments payment processing pricing