Best FedNow® & RTP® Real-Time Payments for Small Businesses
Why Choose TodayPayments.com for Small Business Real-Time Payment Processing?
The Best FedNow® & RTP® Real-Time Payment
Processing for Small Businesses
Small businesses need fast, secure, and
cost-effective payment solutions to remain competitive in today's
digital economy. Traditional banking methods—such as ACH and wire
transfers—come with processing delays, high fees, and limited
banking hours, making cash flow management difficult.
With TodayPayments.com, small businesses can activate FedNow® and RTP® (Real-Time Payments) instantly, allowing them to send and receive payments 24/7/365. Our real-time payment processing platform provides merchant accounts (MIDs) across multiple banks and credit unions in all 50 states, making it easy to process transactions with multiple financial institutions.
We also offer alias-based transactions, enabling businesses to use a cell phone number or email address instead of full banking details. This provides added security, privacy, and operational efficiency, ensuring small businesses can manage payments with ease.
How to Transition to the Best FedNow® & RTP® Payment System
Why Choose TodayPayments.com for Your Small Business Real-Time Payment Processing?
1. Instant FedNow® and RTP® Transactions for Small Businesses
- Send and receive payments instantly—no more waiting for ACH processing delays.
- Multi-bank compatibility ensures seamless transactions across different financial institutions.
- Real-time 24/7 payment processing, including weekends and holidays.
2. Request-for-Payment (RfP) with ISO 20022 Messaging
- Automate payment requests with detailed 140-character descriptions or dynamic hyperlinks.
- Hosted Payment Page—customize payment collection via your website or TodayPayments.com.
- Alias-Based Transactions – Use a cell phone number or email address instead of complete financial data for enhanced security.
3. Small Business-Friendly Payment Processing
- Accept payments via POS, retail, wholesale, MOTO, text, mobile, email, and SMS invoicing.
- Ideal for sole proprietors, Schedule C 1040 filers, partnerships, LLCs, S-Corps, and C-Corps.
- Lower processing fees compared to traditional payment methods while improving cash flow.
Key Features That Make TodayPayments.com the Best Choice for FedNow® & RTP® Processing
✅ QuickBooks® QBO Integration
– Automate reconciliation and financial tracking seamlessly.
✅ Multi-Bank RTP® and FedNow® Compatibility –
Access multiple MIDs across different financial institutions
for better flexibility.
✅ Hosted Payment Page
with ISO 20022 Messaging – Embed secure payment links
in Request-for-Payments (RfPs) for easy customer
transactions.
✅ Alias-Based MID System –
Assign unique MIDs to multiple phone numbers and email
addresses, even for businesses with over 100 contact points.
✅
"FREE" Real-Time Payments Bank Reconciliation – with all merchants process with us.
How to Transition to the Best FedNow® & RTP® Real-Time Payment Processing for Small Businesses
1️⃣ Select a Trusted
Real-Time Payment Provider – Work with
TodayPayments.com for secure, instant payment
automation.
2️⃣ Use Alias-Based
Transactions for Privacy & Security – Process payments using
cell phone numbers and email addresses instead of full
banking details.
3️⃣ Enroll Multiple MIDs for
Multi-Brand & Multi-Bank Transactions – Streamline all
payments under a single platform.
4️⃣ Automate
Payment Collection Using ISO 20022 Messaging – Enhance
billing, invoicing, and cash flow management with
Request-for-Payments (RfPs).
5️⃣
Integrate
QuickBooks® QBO for Automated Accounting – Track all
transactions in real time for efficient financial
reporting.
Start Accepting FedNow® & RTP® Payments with TodayPayments.com
Why wait for slow ACH processing or high-fee wire transfers? With TodayPayments.com, your small business can send and receive real-time payments instantly across multiple banks and credit unions.
Sign Up Today & Experience the Future of Real-Time Payments!
Visit TodayPayments.com to apply now!
Creation Request for Payment Bank File
Enhance Your Activate RTP 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 Activate RTP payment processing pricing
