Apply FedNow® and RTP® Real-Time Payments Merchant Account Online
How FedNow® and RTP® Real-Time Payment Processing Works
Apply for an RTP® Processing Instant Payments Merchant Account – No Application Fee!
Transform Your Business with Real-Time Payments
In today’s fast-paced digital economy, businesses need a payment processing solution that is instant, secure, and available 24/7. The Real-Time Payments (RTP®) network is the next-generation payment technology that allows instant transactions between businesses and consumers across multiple financial institutions.
At TodayPayments.com, we provide seamless RTP® merchant account solutions with no application fee, ensuring businesses can start accepting instant payments hassle-free.
Why Choose TodayPayments.com Why Choose TodayPayments.com Over Traditional Banks?
Why Choose RTP® for Your Business?
What is the RTP® Network?
The Real-Time Payments (RTP®) network, developed by The Clearing House, is a modern payment system that enables instant fund transfers between banks and credit unions.
How Does RTP® Benefit Business Payments?
Unlike ACH transfers or credit card payments, RTP® ensures funds are settled instantly, reducing cash flow delays and eliminating traditional processing fees.
Key Features of RTP® for Merchant Payments
Alias-Based Transactions for Secure Processing
Instead of sharing sensitive banking details, businesses can use mobile numbers or email addresses to receive payments.
Multiple Merchant Identification Numbers (MIDs)
We provide dedicated MIDs for each business alias or brand, allowing efficient transaction tracking.
Seamless Integration with QuickBooks® QBO
RTP® transactions can be automatically reconciled with QuickBooks®, streamlining financial management.
⚡ Instant Fund Settlement
Payments clear in seconds, improving cash flow and eliminating delays compared to ACH or wire transfers.
Multi-Bank Account Management
Our platform consolidates multiple bank accounts, allowing businesses to access all transactions in one place.
How to Apply for an RTP® Merchant Account?
✅ Step 1: Apply Online at TodayPayments.com
Sign up for an RTP® merchant account with a fast and paperless application process.
✅ Step 2: Use Alias Instead of Banking Details
Businesses can register mobile numbers or email addresses to protect banking information.
✅ Step 3: Connect Multiple Bank Accounts
Easily link multiple financial institutions for seamless payment management.
✅ Step 4: Start Accepting Instant Payments!
Once activated, businesses can receive RTP® payments instantly for improved financial efficiency.
Benefits of Using RTP® for Merchant Payments
Lower Transaction Costs
RTP® helps businesses reduce credit card fees and eliminate costly wire transfer charges.
24/7 Payment Availability
Unlike ACH and wire transfers, RTP® enables payments anytime, day or night.
Enhanced Fraud Protection
Using mobile numbers or email aliases ensures safer transactions without exposing full banking details.
✅
"FREE" Real-Time Payments Bank Reconciliation – with all merchants process with us.
Our automated reconciliation tools help track every RTP® transaction instantly, reducing accounting errors.
Industries That Benefit from RTP® Payments
E-Commerce & Online Retail
Improve checkout experiences by offering real-time payment options to customers.
B2B & Corporate Transactions
Simplify supplier and vendor payments with instant settlement.
Subscription & Recurring Payments
Enable automated recurring billing for monthly services and memberships.
Freelancers & Independent Contractors
Receive client payments instantly and avoid unnecessary transaction fees.
Get Started with RTP® Instant Payments Today!
At TodayPayments.com, we provide businesses with a simple, secure, and cost-effective RTP® merchant account solution—no application fees!
✔️ Instant payments and
improved cash flow
✔️ Lower fees compared
to credit card transactions
✔️ Alias-based
transactions for secure payments
✔️
QuickBooks® integration for effortless accounting
✔️
Multi-bank account management in a single dashboard
Apply now at TodayPayments.com and start processing RTP® payments instantly!
Creation Request for Payment Bank File
Enhance Your Apply FedNow using Real-Time Payments 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 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.
Contact Us for Request For Payment payment processing
