Instant Payments Solutions

Biller's login - Hosted Payments Page
Real-Time Payments Gateway


Instant Payments Solutions to Receive and Pay FedNow® A2A, B2B, B2C, C2B

TodayPayments.com is on a mission to help U.S. businesses and financial institutions adopt and scale secure, real-time FedNow® payments with full ISO 20022 compliance, instant settlement, and zero chargeback risk—empowering digital commerce in every direction.

TodayPayments.com is positioned as a full-service FedNow® integration and processing platform designed to serve high-growth businesses, fintechs, banks, and credit unions. From mobile RfP invoicing to bulk batch uploads, our tools support modern payment strategies with speed, precision, and settlement certainty—perfectly aligned with FedNow® real-time infrastructure.

 

Modern Payments Require Instant Settlement

FedNow® Instant Payments Solutions In today’s business environment, waiting days for a payment to settle is a competitive disadvantage. The FedNow® Service empowers financial institutions and businesses to instantly send and receive payments with real-time settlement, available 24/7/365. Whether you're making an A2A transfer, paying vendors (B2B), issuing consumer refunds (B2C), or accepting customer payments (C2B), FedNow® ensures funds are available within seconds—with no reversals or chargebacks.

The Instant Payments Solution from TodayPayments.com allows seamless integration into your current payment systems using ISO 20022 file formats, RfP digital invoicing, and mobile-friendly batch uploads.

Speed, Certainty, Simplicity — Only at TodayPayments.com

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Instant Payments Solutions to Receive and Pay FedNow® A2A, B2B, B2C, C2B deliver fast, secure, real-time payment processing that empowers businesses and consumers to instantly send and receive FedNow® transactions with guaranteed settlement and no chargebacks.

Banks and businesses can easily upload FedNow® batch transactions using ISO 20022 file formats such as Excel spreadsheets, XML, or JSON files. These batch uploads can automate both one-time and recurring payments across vendor settlements (B2B), consumer refunds (B2C), or account-to-account transfers (A2A), all while maintaining full compliance with Federal Reserve protocols.

FedNow® Request for Payment (RfP) functionality allows businesses to send digital invoices via text or email with a real-time payment link. This lets consumers instantly pay via mobile while the business receives guaranteed, irrevocable funds in seconds.

Whether you're processing payroll disbursements, medical reimbursements, or utility payments, FedNow® delivers unmatched payment certainty, fraud protection, and settlement efficiency.

FedNow® Parameters

  • ✅ Rail Operator: Federal Reserve
  • ✅ Settlement Time: Real-time (<10 seconds)
  • ✅ Availability: 24/7/365 (Weekends, Holidays Included)
  • ✅ Transaction Flows: A2A, B2B, B2C, C2B
  • ✅ Message Standard: ISO 20022
  • ✅ Batch Upload Support: Excel (.xlsx), XML, JSON
  • ✅ Invoicing Tools: Request for Payment (RfP), Mobile & Email-Based
  • ✅ Compliance: Supports Federal Regulations, NACHA Rules, and ISO Fields

FedNow® Attributes

  • Credit-Push Model – Initiated only by the Payer (no pull debits)
  • Always-On Processing – Even after hours and on weekends
  • Irrevocable Good Funds – Final settlement with no reversals
  • One-Time & Recurring Support – Designed for single or automated batch transactions
  • Mobile-Friendly RfP – Compatible with text and app-based invoicing
  • Data-Rich Messages – Use structured fields for purpose codes, payer ID, invoice reference, and more

FedNow® Benefits

  • Accelerates Cash Flow – Get paid in seconds, not days
  • Eliminates Chargebacks – Funds are final and non-reversible
  • Improves Reconciliation – ISO 20022 fields provide clarity on every transaction
  • Enhances Customer Experience – Real-time confirmations for every transaction
  • Simplifies Bulk Processing – Upload batches via Excel, XML, or JSON
  • Increases Operational Control – Always know your funds' status

FedNow® Features

  • ✅ Real-time A2A, B2B, B2C, C2B Transfers
  • ✅ Rich Data Tagging via ISO 20022 Messaging
  • ✅ RfP Digital Invoicing with Mobile or Email Trigger
  • ✅ Batch Upload Ready: Excel, XML, JSON
  • ✅ API Integration Support for Banks, ERPs, and Platforms
  • ✅ Automated Recurring Payments & Settlement Confirmations

Payments should move at the speed of business—not banking hours. With TodayPayments.com, you can adopt FedNow® Instant Payments Solutions tailored for modern operations.

✅ Eliminate chargebacks
✅ Receive instant, irreversible payments
✅ Upload Excel, XML, or JSON files
✅ Trigger mobile RfP invoices
✅ Settle A2A, B2B, B2C, and C2B in seconds
✅ Comply with ISO 20022 and Fed guidelines

Visit https://www.TodayPayments.com now and enable real-time FedNow® payments with batch automation, mobile invoicing, and full payment certainty.

Creation Request for Payment Bank File

Enhance Your Instant Payments Solutions 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 "Your Website" - Hosted Payments Page 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.


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