Transform B2B Payments with Guaranteed FedNow® A2A Real-Time Funding

Instant, Secure, and Automated Transactions Using ISO 20022 Request for Payment Messaging

Streamline Payments with Digital FedNow Wallet & Real-Time Request for Payment

Instant B2B Invoice Settlement Using FedNow® and ISO 20022 Messaging

Transform your financial transactions with Digital FedNow Wallet Real-Time Account Funding Request for Payment Mechanism Messaging, ensuring instant invoice payments with FedNow®. This innovative solution enables real-time account funding, eliminating delays and improving cash flow management for B2B transactions. With ISO 20022 Request for Payment messaging, businesses benefit from secure, standardized, and automated invoice processing, reducing fraud and human errors. By integrating FedNow®, organizations can ensure fast, efficient, and transparent B2B payments, optimizing financial workflows.

• Instant account-to-account B2B payments with FedNow®
• Real-time digital invoicing using ISO 20022 messaging
• Secure FedNow® transactions for faster invoice settlements
• Automated request for payment processing for businesses

In today's competitive business landscape, real-time, secure, and automated payments are essential. Guaranteed FedNow A2A Account-to-Account B2B Real-Time Funding Using Request for Payment offers instant financial transactions, allowing businesses to streamline invoicing while improving liquidity. ISO 20022 Request for Payment messaging ensures compliance, accuracy, and enhanced financial transparency. By integrating real-time payment processing, companies can reduce transaction costs, eliminate delays, and enhance vendor relationships.

With FedNow®, Credit Cards, QuickBooks® QBO, RTP® Real-Time Payments, and Same-Day ACH, businesses gain faster settlements, automated reconciliation, and superior fraud protection. Whether you're managing vendor payments, client invoicing, or payroll, real-time funding ensures you stay ahead. Digital invoicing powered by ISO 20022 RfP enhances security, accuracy, and automation, reducing manual intervention and increasing operational efficiency.

Creation Request for Payment Bank File

Enhance Your FedNow A2A 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.