

FedNow & Real-Time
Payments
Solutions
Online integrated Origination, Sending, Receiving and Recordation of all Good Funds Transfers.
"All participants receive instant real-time electronic notifications. Use our online Payment Gateway interface or integrate your in-house system with our API"
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Credit Card Processing
Retail Face-to-Face
Mail Order Telephone Order
eCommerce Internet Sales
eMail Invoicing

Check Processing
Online Reporting with Images
Stop Going to the Bank
Next Day Funding
Check 21 - Remotely Create Checks
Electronic Check
Internet Real-Time Payment Processing – 24/7 Instant Online Transactions
Achieve Immediate Fund Access with Real-Time Digital Payment Solutions
Leverage our Real-time Payments processing solution to complete online transactions instantly, any time of the day. With 24/7 availability, our system ensures that funds are transferred immediately, eliminating delays associated with traditional banking methods. This immediate access to funds enhances your operational efficiency and supports agile business decisions.
Enjoy secure bank-to-bank transfers that
reduce transaction costs and minimize delays. Our advanced real-time
processing system incorporates cutting-edge fraud detection and
robust security protocols. Enhance your business’s financial agility
and customer experience with a solution that guarantees rapid,
secure, and reliable online transactions.
Improve Operational Efficiency with Secure, On-Demand Online Payments
Ultra-Fast Internet Real-Time Payment Processing for 24/7 Online Transactions
Experience Instant Fund Transfers with Our
24/7 Real-Time Payment Processing Platform
Our real-time
payment processing service enables you to complete online
transactions instantly, every hour of every day. With immediate
fund availability, you can eliminate the traditional waiting
periods associated with conventional payment methods and enjoy
enhanced operational agility. This solution is ideal for managing
payroll, vendor payments, and eCommerce transactions, ensuring
that your business operates with maximum efficiency.
Secure, On-Demand Transactions That
Enhance Operational Efficiency
Benefit from advanced
bank-to-bank transfer technology that minimizes processing costs
and reduces the risk of fraud. Our platform employs cutting-edge
security protocols and real-time fraud detection systems to ensure
every transaction is protected. By integrating our real-time
payment solution, you gain the financial flexibility to support
agile decision-making and deliver superior customer experiences
around the clock.
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 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