Low-Cost FedNow® and RTP® Real-Time Payments Processing
Why Choose Low-Cost FedNow® and RTP® Payments?
The Future of Low-Cost Real-Time Payments is Here
In today's fast-paced financial world, businesses demand instant, secure, and cost-effective payment solutions. Traditional banking systems are slow and expensive, but with FedNow® and RTP® (Real-Time Payments), merchants can process payments in real-time at low costs while enhancing security and efficiency.
With TodayPayments.com, businesses can apply for FedNow® and RTP® accounts online—no need to visit a bank. Secure, fast, and seamless transactions across multiple banks and credit unions make our real-time payment solutions a game-changer for businesses of all sizes.
Features & Benefits of Using RTP® & FedNow® with TodayPayments.com
Low Cost FedNow® and RTP® Real-Time Payments Processing
1. Why Choose Low-Cost FedNow® and RTP® Payments?
✅ Eliminate Delays – Payments
settle instantly with FedNow® & RTP® instead of waiting for ACH or
wire transfers.
✅ Lower Transaction Fees –
Traditional payment methods charge high fees—our RTP® system keeps
costs low.
✅ Real-Time Cash Flow Management – Get
instant access to your funds with real-time reconciliation.
✅ Works Across Multiple Banks & Credit Unions –
Manage multiple real-time accounts seamlessly.
✅
Enhanced Security & Fraud Protection – RTP® transactions reduce
fraud risks with instant verification.
✅
"FREE" Real-Time Payments Bank Reconciliation – with all merchants process with us.
2. Features & Benefits of Using RTP® & FedNow® with TodayPayments.com
Free FedNow® & RTP®
Processing Application – No setup fees, no hidden charges.
Nicknames for Financial Accounts – Use
cell phone numbers or email addresses instead of long account
numbers.
Multi-Bank & Multi-Currency Support
– Process payments across different banks & financial
institutions.
Support for High-Risk
Merchants – Accept payments even with poor or bad credit
history.
Multiple Merchant
Identification Numbers (MIDs) – Assign unique MIDs to
different business entities.
Seamless
Hosted Payment Page – Generate custom payment pages for
easy processing.
3. How to Enroll for FedNow® & RTP® Real-Time Payments
1️⃣ Visit
TodayPayments.com & Complete Your Free Application
2️⃣
Set Up Your FedNow® or RTP® Payment Account & Link Your Bank
Accounts
3️⃣ Secure Your Merchant Identification
Number (MID) for Transactions
4️⃣ Start Using
FedNow® & RTP® for Instant, Low-Cost Payments!
Why Choose TodayPayments.com for Low-Cost Real-Time Payments?
✔ No Hidden Fees – Just Fast,
Low-Cost Transactions
✔ Easy-To-Use RTP® Nicknames
for Quick Transactions
✔ Instant Payments with
FedNow® & RTP® Services
✔ Works with Multiple
Banks, Credit Unions & Merchant Accounts
✔
Advanced Fraud Protection & Encrypted Transactions
Save Time, Reduce Costs & Process Payments Instantly with TodayPayments.com!
No more waiting for bank approvals, delayed transfers, or expensive wire fees. Get started with low-cost FedNow® & RTP® real-time payments today.
✅ Apply Now & Start Saving on Payment Processing Fees!
Get Started Now - Free Registration!
Creation Request for Payment Bank File
Enhance Your RTP Nicknames 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 RTP Nicknames payment processing pricing
