FedNow® Enrollment with Any Bank or Credit Union—Instantly, Online
Alias-Based Merchant Account Enrollment + ISO 20022 Request-for-Payment
Real-time payments are no longer a
luxury—they’re a business necessity. As the U.S. accelerates into
the instant payments age, businesses must adapt or risk falling
behind. FedNow® and RTP® are transforming how merchants send
and receive money, providing instant, secure, and 24/7 payment
processing across all industries. But enrolling across
multiple banks and credit unions shouldn’t be a struggle—and it
no longer is. With TodayPayments.com, you can easily
enroll your FedNow® merchant accounts across any or all U.S.
financial institutions online, with zero need for in-person banking.
Why Top U.S. Merchants Choose TodayPayments.com
TodayPayments.com offers a fast, secure way to enroll your merchant account into the FedNow® and RTP® networks, supporting all banks and credit unions in all 50 states. Our proprietary instant payments software enables:
- FedNow® and RTP® account setup for your business divisions and subsidiaries
- Multiple MID (Merchant Identification Number) support for aliases like cell phones and emails
- ISO 20022 RfP capabilities that transform the way you request and receive payments
- Hosted Payment Pages linked in each RfP, personalized to your brand
Unlike traditional banks, our 24/7 digital application means no paperwork, no in-person visits, and no delays.
Alias-based banking is the future—and TodayPayments.com is leading the charge. Replace cumbersome financial account sharing with:
- 📱 Company Cell Phone Number used as a secure alias
- 📧 Email Addresses as payer identifiers across same or different banks
- 🔁 MIDs for every alias, with optional consolidation across all accounts
Through our ISO 20022-compliant RfP system, you can:
- Display key payment info in a 140-character message
- Link to a detailed, secure Hosted Payment Page—either on your site or TodayPayments.com/HostedPaymentPage.html
This modernized payment infrastructure supports real-time decisioning, instant payer/payee identity verification, and A2A (Account-to-Account) fund transfers that move money immediately.
We’re more than a payment processor—we’re a full-service accounting fintech platform tailored for real-time, multi-bank merchant enablement.
✅ Key Features & Long-Tail Benefits for SEO:
- Free FedNow® and RTP® application portal—go live with zero upfront fees
- Enroll with any or all U.S. banks and credit unions across 50 states
- Integrated QuickBooks® QBO support for real-time accounting sync
- Instant payments across B2B, B2C, C2B, and A2A transaction types
- Multiple MIDs for over 100+ emails and phone numbers—each alias receives its own merchant ID
- POS, Retail, Wholesale, MOTO, Mobile, Email, SMS, and Text Invoicing support
- Hosted Payment Pages embedded in ISO 20022 RfPs for seamless billing
- Free real-time reconciliation tools for your bookkeeper, CFO, or accountant
- Accepts high-risk, poor credit, and legally sensitive merchant categories
- Batch uploads/downloads, recurring debits, payee-initiated flows, and guaranteed instant identity of senders and recipients
🎯 Salesy Conclusion: Enroll in the FedNow® & RTP® Network—Start Today with TodayPayments.com
If you want to scale faster, get paid instantly, and simplify cash flow, then your next move is clear: Enroll your merchant account into the FedNow® and RTP® networks today with TodayPayments.com.
We support every business type—from Schedule C Sole Proprietors to C-Corps, across every industry, even those banks reject. Whether you use one bank or 20, we help you consolidate, manage, and process real-time payments from anywhere in the U.S.
💻 100% online enrollment
📈 Real-time accounting & cash flow tracking
📞 MID support for every alias
✅
Secure, ISO 20022-compliant payment infrastructure
👉 Don’t wait in line at the bank—visit https://www.TodayPayments.com now to enroll your merchant accounts and take full control of real-time payment processing across all your banks and credit unions.
Creation Request for Payment Bank File
Enhance Your %URL% 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 %URL% payment processing pricing
