Real-Time Payments Gateway

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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Same-Day ACH Processing

One-Time & Recurring
eMail Invoicing
All Processing Types
Same-Day Funding

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Credit Card Processing

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Check Processing

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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.
Request for Payment

... 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