Instant Payments Solution to Receive and Pay FedNow® A2A, B2B, B2C, C2B
TodayPayments.com empowers businesses, merchants, and financial institutions to adopt real-time FedNow® payments through secure, scalable, and ISO 20022-compliant digital infrastructure—enabling instant transaction settlement with total confidence and zero friction.
TodayPayments.com is positioned as the all-in-one FedNow® enablement platform, offering real-time payment tools for any organization—from startups to Fortune 500s. Our Instant Payments Solution helps companies automate A2A, B2B, B2C, and C2B flows using batch uploads, mobile RfP invoicing, and structured ISO 20022 data, all while delivering the finality of instant settlement with no chargebacks.
Say Goodbye to Payment Delays and Uncertainty
In today’s digital-first economy, waiting days
for payments to clear is no longer acceptable. FedNow® Instant
Payments Solution gives businesses and consumers the ability to
send and receive funds in real-time—any time, any day. Built
to support A2A (Account-to-Account), B2B, B2C, and C2B
transactions, this platform delivers immediate settlement, no
chargebacks, and complete visibility.
Whether you're paying vendors, disbursing payroll, or collecting from customers, FedNow® transforms your payment processes into real-time financial flows with certainty, speed, and automation.
Go Real-Time. Go FedNow®
Ask us How:
Instant Payments Solution to Receive and Pay FedNow® A2A, B2B, B2C, C2B enables real-time, secure fund transfers across all payment flows, allowing businesses and consumers to instantly send and receive FedNow® payments with full settlement certainty and no chargebacks.
With ISO 20022-compliant formats like Excel spreadsheets, XML, and JSON, organizations can batch upload one-time or recurring payment files. This is ideal for high-volume A2A transfers, B2B vendor payouts, or C2B consumer refunds—all completed with real-time speed and compliance-grade transparency.
Using FedNow®’s Request for Payment (RfP), businesses can send secure digital invoices by text or email, prompting customers to pay instantly via mobile. Every transaction is final—there are no returns, no chargebacks, and no unclear fund status.
FedNow® Parameters
FedNow® operates on a modern, real-time payment rail built by the Federal Reserve, offering:
- ✅ 24/7/365 availability, even on weekends and holidays
- ✅ Credit-push only transactions (sender-initiated, non-reversible)
- ✅ ISO 20022 structured messaging for payment reconciliation
- ✅ Batch uploads via Excel, XML, or JSON formats
- ✅ Support for A2A, B2B, B2C, C2B payment flows
- ✅ Mobile-triggered invoicing via Request for Payment (RfP)
This modern framework provides secure and immediate fund transfers across any U.S. financial institution.
FedNow® Attributes
- Instant Payments SolutionAlways-on infrastructure for non-stop transaction processing
- Final settlement in seconds—no pending holds or delays
- Mobile-ready features, including text-based RfP collection
- File format compatibility with Excel, XML, and JSON
- End-to-end traceability using ISO 20022 metadata
- Zero chargeback risk with credit-push payments
FedNow® Benefits
- ✅ Accelerates cash flow by removing traditional banking cutoffs
- ✅ Improves vendor and customer satisfaction with instant fund delivery
- ✅ Reduces fraud through irrevocable, secure transactions
- ✅ Enables automated reconciliation using structured data
- ✅ Supports bulk payouts and recurring transactions
- ✅ Enhances compliance with federal standards and auditability
FedNow® Features
- ✅ Instant fund availability for all participants
- ✅ ISO 20022-rich data fields for invoice tagging and payment IDs
- ✅ Request for Payment (RfP) for digital invoicing via mobile or email
- ✅ Batch support for Excel, XML, and JSON uploads
- ✅ Seamless integration with accounting and ERP systems
- ✅ Designed for A2A, B2B, B2C, and C2B transactions
Payments shouldn't take hours—let alone days. With TodayPayments.com, you gain direct access to FedNow® Instant Payments, empowering your business with 24/7 real-time fund movement, compliance, and security.
✅ Enable real-time A2A,
B2B, B2C, and C2B flows
✅ Eliminate
chargebacks and reduce payment friction
✅
Upload batch files in Excel, XML, and JSON
✅
Use mobile RfP for instant invoicing and collections
✅ Comply with ISO 20022 and Federal Reserve
standards
Visit https://www.TodayPayments.com now to activate your FedNow® Instant Payments Solution—and turn every transaction into an opportunity for speed, trust, and cash flow growth.
Creation Request for Payment Bank File
Enhance Your Instant Payments Solution 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.
... 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 Instant Payments Solution payment processing pricing
