Same-Day ACH Merchant Service Provider – Rapid, Cost-Effective Transfers

Optimize Cash Flow with Secure, Automated Same-Day ACH Processing

Same-Day ACH Merchant Service Provider – Rapid, Cost-Effective Bank Transfers
Optimize your cash flow with our Same-Day ACH processing service, engineered to deliver rapid bank transfers within the same business day. This solution is ideal for managing payroll, vendor payments, and high-volume transactions, ensuring immediate liquidity and enhanced operational control. With significantly lower processing fees compared to traditional methods, our service offers a cost-effective alternative to wire transfers. Enjoy secure, automated ACH transfers that streamline your financial operations and support sustained growth.

Our platform automates recurring payments and provides real-time updates to simplify cash flow management. Robust bank authentication and stringent security protocols protect every transaction from fraud. Experience seamless integration with your existing financial systems, reducing administrative burdens and improving accuracy. Embrace our Same-Day ACH solution to lower costs, boost liquidity, and ensure your business operates at peak efficiency.

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.


... easily create Real-Time 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.