Optimize Credit Card Processing with FedNow® Bill Pay & RTP® Payments

Secure & Instant B2B Credit Card Transactions

Seamless B2B Digital Invoicing & Instant Payment Settlements

Ensure faster, more reliable B2B credit card processing with FedNow Bill B2B Use the RFP ISO 20022 Enclosed FedNow, RTP Real-Time Payments, and Same-Day ACH. ISO 20022 messaging standardizes digital invoicing, making credit card transactions more secure, transparent, and efficient. Businesses can process multiple real-time payments simultaneously, eliminating chargeback risks, reducing processing fees, and accelerating settlements. FedNow® Bill Pay integrates seamlessly with existing B2B payment systems, allowing companies to manage high-volume transactions with ease.

With real-time fund transfers and automated reconciliation, businesses can reduce financial risks and enhance their credit card processing workflows. FedNow®, RTP®, and Same-Day ACH ensure instant approvals and compliance, allowing businesses to enhance cash flow, prevent fraud, and simplify vendor payments. This cost-effective and scalable solution provides faster invoice clearance and improved transaction accuracy for high-volume credit card settlements.

• FedNow® real-time credit card payments with ISO 20022 RFP
• Instant B2B invoicing using RTP® and Same-Day ACH
• Secure A2A transactions for business credit card settlements
• Automated request for payment messaging for credit card processing

Creation Request for Payment Bank File

Enhance Your FedNow Bill using Credit Cards 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 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.