Instant Payments Service to Receive and Pay FedNow® A2A, B2B, B2C, C2B
TodayPayments.com is dedicated to delivering secure, real-time FedNow® Instant Payment Solutions that empower businesses and consumers to transact instantly—with certainty, compliance, and full ISO 20022 data transparency.
TodayPayments.com positions its FedNow® Instant Payments Service as the definitive infrastructure for real-time U.S. transactions. Built for scale, speed, and certainty, our platform empowers merchants, financial institutions, and fintechs to harness FedNow® across all payment flows—A2A, B2B, B2C, and C2B. From invoicing to mobile collection to enterprise batch settlement, TodayPayments.com makes FedNow® adoption seamless and scalable.
Real-Time Payments Without the Risk or Delay
Legacy payment methods are too slow for today’s
high-speed digital economy. Whether you’re a business sending vendor
payments, a consumer paying rent, or a platform managing
subscription billing—real-time certainty matters. That’s why
the FedNow® Instant Payments Service is transforming how
America sends and receives money.
With full support for A2A (Account-to-Account), B2B (Business-to-Business), B2C (Business-to-Consumer), and C2B (Consumer-to-Business), the FedNow® rail allows funds to be transferred instantly—24/7/365—with zero chargebacks and guaranteed settlement. Businesses, credit unions, and banks can also upload batch transactions using structured ISO 20022 file formats like Excel, XML, and JSON.
Activate FedNow® Real-Time Payments with TodayPayments.com
FedNow® Parameters
The FedNow® Service is an instant payment infrastructure launched by the U.S. Federal Reserve. It supports 24/7/365 settlement, enabling banks and credit unions to transfer funds instantly. All FedNow® transactions are credit-push only (no debits), ensuring security and fund availability.
FedNow® messages are structured using ISO 20022—a global messaging standard for payments—which allows for rich metadata, including invoice numbers, payment purpose codes, and RfP (Request for Payment) tags. Payments can be submitted manually or through batch uploads using Excel, XML, or JSON files for A2A, B2B, and C2B flows.
FedNow® Attributes
The system is designed for:
- Final, irreversible transactions, offering true “good funds” in seconds
- Mobile invoicing and billing, with built-in support for RfP over email, SMS, or apps
- Real-time remittance tagging, improving reconciliation and audit readiness
- File-based automation, enabling bulk payments through Excel or structured ISO 20022 messages
- Universal access, working across all U.S. banks, credit unions, and payment platforms
These core attributes make FedNow® not just fast—but fundamentally more secure and scalable than ACH or card-based payment systems.
FedNow® Benefits
FedNow® benefits businesses by:
- Eliminating chargebacks and reversals, reducing fraud and operational risk
- Speeding up receivables, improving working capital and liquidity
- Removing delays caused by weekends, holidays, or bank cutoffs
- Improving customer satisfaction through instant confirmation and fund availability
- Reducing admin overhead with ISO 20022 data for clean reconciliation
Whether you’re sending single payments or uploading thousands at once, FedNow® ensures every dollar moves securely and instantly.
FedNow® Features
- ✅ Real-Time Payments – Sub-10-second settlement guaranteed
- ✅ ISO 20022 File Support – Upload Excel, XML, or JSON for structured automation
- ✅ Batch & Recurring Transactions – Handle one-time or scheduled payments at scale
- ✅ Request for Payment (RfP) – Trigger payments with real-time invoicing
- ✅ Irrevocable Credit Push Model – No pull debits or chargebacks
- ✅ Multi-Rail Compatibility – Seamless across A2A, B2B, B2C, C2B use cases
- ✅ Mobile, Text & Web Integrations – Deliver payments through customer-preferred channels
Ask us How:
Instant Payments Service to Receive and Pay FedNow® A2A, B2B, B2C, C2B empowers businesses and consumers with secure, real-time FedNow® transactions for immediate, chargeback-free payments across all transaction types. Whether sending vendor payments, collecting rent, or settling gig economy disbursements, FedNow® ensures your money moves with zero risk and full visibility.
Using ISO 20022 message specifications, financial institutions and enterprise users can upload payment files in Excel, XML, or JSON formats. This allows for batch and recurring real-time payments across A2A, B2B, and C2B flows. Mobile-triggered RfP invoicing helps merchants bill customers instantly via SMS, email, or embedded payment links.
FedNow® reduces friction in all payment operations, from small business invoicing to enterprise billing platforms. Each transaction is processed securely and permanently, eliminating the costs of returned payments, chargebacks, or reconciliation disputes.
With TodayPayments.com, you can give your business the speed, certainty, and automation it needs to thrive in the real-time economy.
✅ Receive and Pay
instantly via FedNow®
✅ Upload Excel, XML,
or JSON batch files
✅ Enable real-time
mobile invoicing with RfP
✅ Eliminate
chargebacks and delays
✅ Stay compliant with
ISO 20022 structured data
Visit https://www.TodayPayments.com now to launch your FedNow® Instant Payments Service—and modernize every transaction you touch with fast, secure, chargeback-free digital payments.
Creation Request for Payment Bank File
Enhance Your Instant Payments Service 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 "Your Website" - Hosted Payments Page 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 Instant Payments Service payment processing pricing
