Best FedNow® & RTP® Real-Time Payments Processing for Small Businesses
Why Small Businesses Should Use TodayPayments.com for Real-Time Payments
Best FedNow® and RTP® Real-Time Payments
Processing for Small Businesses
Small businesses today require fast, secure,
and cost-efficient payment processing to maintain smooth cash
flow and meet customer expectations. Traditional banking solutions,
such as ACH and wire transfers, cause delays, incur high fees,
and limit transaction hours, making them inefficient for modern
business needs.
With TodayPayments.com, small businesses can activate and process real-time transactions through the FedNow® Service and RTP® (Real-Time Payments) network. Our platform allows businesses to send and receive funds instantly across multiple banks and credit unions in all 50 states—without the need for physical bank visits.
Instead of requiring full financial details, our innovative system enables businesses to use a cell phone number or email address as an alias, increasing security, privacy, and operational efficiency. Whether you run a retail store, online business, or service-based company, TodayPayments.com ensures seamless FedNow® & RTP® Bill Pay transactions, making real-time payments accessible anytime, anywhere.
How to Transition to the Best FedNow® & RTP® Payment Processing System
Why Choose TodayPayments.com for Small Business Real-Time Payment Processing?
1. Instant FedNow® and RTP® Transactions for Small Businesses
- Send and receive payments instantly—no more waiting for ACH or wire transfer delays.
- Multi-bank compatibility enables smooth transactions across various financial institutions.
- 24/7/365 real-time payment processing, including weekends and holidays.
2. Alias-Based Payment Processing for Enhanced Security
- Use a business cell phone number or email address as a transaction alias, avoiding the need for full financial data.
- Enroll multiple bank accounts into the FedNow® Service and RTP® network for seamless payment processing.
- Consolidate multiple MIDs (Merchant Identification Numbers) for easy business transaction management.
3. Small Business-Friendly Payment Methods
- Accept payments via POS, retail, wholesale, MOTO, text, mobile, email, and SMS invoicing.
- Ideal for sole proprietors, Schedule C 1040 filers, partnerships, LLCs, S-Corps, and C-Corps.
- Lower processing fees compared to credit card transactions, reducing operational costs while improving cash flow.
Key Features That Make TodayPayments.com the Best Choice for FedNow® & RTP® Payment Processing
✅ QuickBooks® QBO Integration
– Automate financial tracking, reconciliation, and payment
management.
✅ Multi-Bank RTP® and FedNow®
Compatibility – Process real-time payments with multiple
financial institutions under a single platform.
✅
ISO 20022 Messaging with Hosted Payment Page – Enable
secure Request-for-Payments (RfPs) with embedded payment
links.
✅ Alias-Based MID System – Assign
unique MIDs to different phone numbers and email addresses for
multi-business flexibility.
✅
"FREE" Real-Time Payments Bank Reconciliation – with all merchants process with us.
How to Transition to the Best FedNow® and RTP® Real-Time Payment Processing for Small Businesses
1️⃣ Choose a Reliable
Real-Time Payment Provider – Work with
TodayPayments.com to activate FedNow® and RTP®
transactions instantly.
2️⃣ Utilize
Alias-Based Transactions for Enhanced Security & Privacy –
Process payments using cell phone numbers or email addresses
instead of full banking details.
3️⃣ Enroll
Multiple MIDs for Multi-Brand & Multi-Bank Transactions –
Manage all business transactions under one consolidated system.
4️⃣ Automate Payment Requests Using ISO 20022
Messaging – Optimize billing, invoicing, and payment
collections with Request-for-Payments (RfPs).
5️⃣
Integrate QuickBooks® QBO for Automated Accounting – Sync
transactions in real-time for improved financial
management.
Start Accepting FedNow® & RTP® Payments with TodayPayments.com
Stop relying on outdated payment systems with slow processing times and high fees. With TodayPayments.com, small businesses can send and receive real-time payments instantly across multiple banks and credit unions.
Sign Up Today & Experience Real-Time Payment Processing!
Visit TodayPayments.com to apply now!
Creation Request for Payment Bank File
Enhance Your Activation RTP 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 Activation RTP payment processing pricing
