Real-Time Payments Gateway


FedNow Merchant Service Provider – Instant, 24/7 Payment Processing


Experience Real-Time Fund Transfers with Advanced FedNow Technology

FedNow Merchant Service Provider FedNow Merchant Service Provider – Instant, 24/7 Digital Payment Solutions
Experience seamless, real-time payment processing with FedNow, ensuring your funds are always available when you need them. Our solution accelerates cash flow by eliminating traditional banking delays and provides robust security through advanced encryption. Benefit from 24/7 operation that supports both B2B and B2C transactions with minimal fees and maximum efficiency. Empower your business with cutting-edge technology that transforms your digital payment infrastructure.

Enhance your operational agility with uninterrupted online transactions and bank-level security. Our FedNow solution integrates effortlessly into your existing systems, reducing overhead and streamlining fund transfers. Enjoy secure, instantaneous payments that boost liquidity and support dynamic business growth. Trust FedNow to deliver the competitive edge your business deserves.

Our comprehensive suite of payment processing solutions—from FedNow’s real-time digital payments to rapid Same-Day ACH transfers—offers unmatched benefits, robust features, and affordable pricing to empower your business. Each solution is engineered to boost cash flow, enhance security, and streamline your financial operations, ensuring you remain competitive in the digital marketplace. Embrace our innovative technology and low-cost models to transform your payment infrastructure and drive sustainable growth. Contact us today to learn how our advanced merchant service provider solutions can help optimize your business operations and secure your financial future.

Boost Cash Flow and Enhance Security with Our Innovative FedNow Solutions

Our cutting-edge FedNow solution delivers instantaneous, secure digital transactions 24/7, ensuring your business always has access to funds when needed. It leverages real-time processing to eliminate the delays associated with traditional banking, resulting in a significant boost to cash flow and overall financial agility. Key benefits include seamless integration with multiple channels—such as MOTO, POS, and eCommerce—and robust features like advanced encryption and proactive fraud prevention. Moreover, our competitive pricing model offers low processing fees, making it an affordable, cost-effective solution for businesses seeking to optimize their payment infrastructure.

Our FedNow platform is designed to integrate effortlessly with your existing systems, reducing overhead while streamlining fund transfers. The solution supports both B2B and B2C transactions, ensuring versatility and scalability in a dynamic digital marketplace. With immediate fund availability and reduced transaction costs, you gain a competitive edge that accelerates operational efficiency and drives growth. Experience the transformative benefits, features, and low-cost pricing of our FedNow Merchant Service Provider solution and secure your business’s financial future.

Creation Request for Payment Bank File

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.

Each day, thousands of businesses around the country are turning their transactions into profit with real-time payment solutions like ours.


Contact Us for FedNow Merchant Service Provider payment processing pricing