FedNow® Merchant Account Service – The Ultimate Payment Solution for Every Business
Why Businesses Are Choosing FedNow® Over Traditional Payment Processing
FedNow® Merchant Account Service – The
Future of Instant Business Payments
For small and mid-sized businesses (SMBs),
large enterprises, and high-risk merchants, having a fast,
secure, and low-cost payment processing solution is essential.
Traditional credit card processing comes with high fees, chargeback
risks, and settlement delays, while ACH transfers take days to
process.
With FedNow® Merchant Account Services, businesses can now accept instant account-to-account (A2A) credit and debit transactions—eliminating delays, reducing costs, and improving cash flow management. Whether your business operates in B2B, C2B, or B2C transactions, FedNow® provides real-time payment solutions for all merchant types, including bad credit and high-risk businesses.
At TodayPayments.com, we offer FedNow® Merchant Account Services tailored to low-cost processing, automated invoicing, and seamless financial management—helping businesses of all types maximize revenue and optimize payment operations.
Instant B2B (Business-to-Business) Payments
FedNow® Merchant Account Service – The Ultimate Payment Solution for Every Business
Why Businesses Are Choosing FedNow® Over Traditional Payment Processing
Many businesses struggle with slow payments, high processing fees, and compliance hurdles when using credit card networks and ACH transfers. FedNow® solves these problems by offering:
- Instant A2A transactions – Payments settle in seconds, not days.
- Lower transaction costs – More affordable than credit card processing.
- No chargebacks – Unlike credit cards, FedNow® transactions are final.
- Ideal for high-risk businesses and merchants with bad credit – No restrictions or approval barriers.
- 24/7/365 payment processing – Accept payments anytime, including weekends and holidays.
FedNow® Merchant Account Services for All Business Types
✅ Instant B2B (Business-to-Business) Payments
- Faster supplier, vendor, and invoice payments.
- Eliminates ACH processing delays and wire transfer fees.
- Automated Request for Payment (RfP) invoicing for quicker settlements.
✅ C2B (Consumer-to-Business) Payments for Retail & E-Commerce
- Accept real-time payments online and in-store.
- Ideal for e-commerce platforms, service providers, and subscription businesses.
- Eliminates credit card processing fees and improves cash flow.
✅ B2C (Business-to-Consumer) Payouts
- Instantly pay employees, freelancers, and gig workers.
- Perfect for payroll, affiliate payouts, and refunds.
- No direct deposit fees or delays in bank processing.
✅ FedNow® for High-Risk & Bad Credit Merchants
- No credit score requirements – Businesses with low or no credit can still accept payments.
- Supports high-risk industries, including CBD, gaming, adult entertainment, and financial services.
- Eliminates chargebacks and fraudulent disputes, reducing operational risks.
✅ Subscription & Recurring Billing for Memberships & SaaS
- Automate one-time and recurring payments with no delays.
- Reduce failed transactions and eliminate chargeback disputes.
- Flexible billing options for weekly, monthly, annual, or usage-based plans.
✅ Request for Payment (RfP) Digital Invoicing
- Send invoices instantly and get paid in seconds.
- Integrates with QuickBooks®, Xero, and NetSuite for seamless accounting.
- Reduces manual invoicing and improves financial reporting.
✅ ISO 20022 Messaging for Secure & Transparent Transactions
- Ensures compliance with banks, financial institutions, and government regulations.
- Reduces fraud risks and improves transaction visibility.
- Simplifies payment tracking and reconciliation.
Why Businesses Should Choose FedNow® for Payment Processing
Lower Transaction Costs vs. Credit Cards
- FedNow® payments cost less than Visa, Mastercard, and AMEX transactions.
- No PCI compliance fees, reducing overhead costs for businesses.
- Ideal for businesses processing high transaction volumes.
Instant Access to Funds
- Unlike ACH or wire transfers, FedNow® transactions settle instantly.
- No banking hours, weekend delays, or batch processing constraints.
No Chargebacks & Fraud Risks
- FedNow® payments are final and irreversible, unlike credit card transactions.
- Eliminates fraudulent chargebacks and unauthorized reversals.
24/7/365 Payment Processing
- Accept and send payments anytime—no restrictions.
Secure Transactions with ISO 20022 Compliance
- Advanced encryption and authentication ensure secure transactions.
Industries That Benefit from FedNow® Merchant Services
Retail & E-Commerce
- Faster checkout with instant payment confirmation.
- Lower fees compared to traditional payment gateways.
B2B & Wholesale
- Seamless supplier/vendor payments with real-time transaction settlement.
Subscription & Membership Services
- Automated, secure recurring billing with no chargebacks.
Freelancers & Gig Economy
- Instant access to earnings without bank processing delays.
High-Risk Industries
- No merchant account restrictions based on industry type or credit history.
Get the Best FedNow® Merchant Account Service with TodayPayments.com
Are you ready to accept instant, low-cost, and secure payments?
With FedNow® Merchant Account Services, your business can:
Process instant A2A transactions with no
settlement delays
Lower transaction costs compared to credit
cards and ACH transfers
Eliminate chargebacks and fraud risks
Integrate with QuickBooks®, Xero, and NetSuite for seamless
financial management
Enjoy 24/7/365 payment processing with
real-time access to funds
Sign up with TodayPayments.com today and start accepting instant payments with FedNow®!
Creation Request for Payment Bank File
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.
Each day, thousands of businesses around the country are turning their transactions into profit with real-time payment solutions like ours.
Contact Us for Merchant Account FedNow Service payment processing pricing
