Apply for a FedNow® Processing Instant Payments Merchant Account – No Application Fee!
Why Choose FedNow® for Merchant Payments?
Apply for a FedNow® Processing Instant
Payments Merchant Account – No Application Fee!
Unlock Instant Payment Processing with
FedNow®
The FedNow® Service is revolutionizing business payments by offering instant transaction processing, 24/7 availability, and seamless integration with multiple banks and credit unions. If your business needs fast, secure, and real-time payment solutions, then FedNow® is the answer!
At TodayPayments.com, we simplify the process of applying for a FedNow® merchant account—with no application fee—to help businesses accept instant payments hassle-free.
How to Apply for a FedNow® Merchant Account?
Why Choose FedNow® for Merchant Payments?
What is FedNow®?
FedNow® is a real-time payment system developed by the Federal Reserve, enabling businesses and individuals to send and receive payments instantly between different financial institutions.
How Does Instant Payment Processing Work?
With FedNow®, businesses can process transactions instantly, eliminating the need for traditional banking delays associated with Credit Cards, ACH or wire transfers.
Key Features of FedNow® for Merchant Payments
Alias-Based Transactions for Enhanced Security
Instead of sharing full banking details, businesses can use mobile numbers or email addresses as transaction aliases.
Multiple Merchant Identification Numbers (MIDs)
We provide customized MIDs for businesses with multiple brands or locations, ensuring seamless transaction tracking.
Seamless QuickBooks® Integration
FedNow® integrates with QuickBooks® QBO, allowing real-time transaction reconciliation for smooth financial management.
⚡ Instant Payment Settlement
Unlike ACH transfers that can take days, FedNow® ensures funds are settled in seconds, helping improve cash flow.
Multi-Bank Account Management
Our system consolidates multiple business bank accounts, offering one login for all financial transactions.
How to Apply for a FedNow® Merchant Account?
✅ Step 1: Apply Online at TodayPayments.com
Easily sign up for a FedNow® merchant account with a quick and paperless application process.
✅ Step 2: Use Alias Instead of Full Banking Details
Businesses can register mobile numbers or email addresses instead of traditional bank details for added security.
✅ Step 3: Connect Multiple Bank Accounts
Link all business bank accounts across multiple financial institutions to streamline transactions.
✅ Step 4: Start Accepting Instant Payments!
Once activated, businesses can instantly receive payments through FedNow®, ensuring fast and seamless financial transactions.
Benefits of Using FedNow® for Merchant Payments
Lower Transaction Costs
FedNow® reduces the need for high-fee credit card payments and speeds up cash flow.
24/7 Availability for Instant Payments
Unlike traditional bank transfers, FedNow® operates round the clock, ensuring businesses get paid anytime, anywhere.
Enhanced Fraud Protection
By using mobile numbers or email aliases, businesses reduce exposure to fraud and unauthorized transactions.
✅
"FREE" Real-Time Payments Bank Reconciliation – with all merchants process with us.
Our real-time bank reconciliation tools help track all transactions instantly, providing accurate financial reporting.
Industries That Benefit from FedNow® Merchant Accounts
E-Commerce & Online Retail
Speed up online transactions by offering customers instant payment options at checkout.
B2B Payments & Corporate Transactions
Perfect for businesses looking to send and receive supplier or vendor payments instantly.
Subscription & Recurring Billing Services
Ideal for monthly payments, automated invoices, and scheduled billing solutions.
Freelancers & Independent Contractors
Receive client payments instantly, avoiding delays and high transaction fees.
Get Started with FedNow® Instant Payments
At TodayPayments.com, we provide businesses with an easy and secure way to accept instant payments via FedNow®—with no application fees!
✅ Key Features and Long-Tail
Benefits:
- Free FedNow® and RTP® processing
applications—no setup fees
- Direct QuickBooks® Online (QBO)
integration for effortless bookkeeping
- Merchant accounts for multiple
financial institutions simultaneously
- Over 100+ alias-based MIDs for cell
phones and emails
- POS, MOTO, Mobile, Text, and SMS
invoicing support for FedNow® and RTP®
- Automated A2A recurring billing with
instant identity verification
- Batch upload and download for
real-time cash flow control
- Real-time reconciliation reporting
tools for bookkeepers, CFOs, and treasurers
- High-risk merchant support for
credit cards, ACH, FedNow®, and RTP®
- B2B, B2C, C2B, A2A real-time billing
capabilities
By using aliases instead of financial data,
your business enhances both security and flexibility, while
keeping operations scalable and fully digital.
Apply now at TodayPayments.com and start accepting FedNow® instant payments today!
Creation Request for Payment Bank File
Enhance Your Apply FedNow 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 Apply FedNow payment processing pricing
