

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 Same-Day ACH Payment Processing – Fast & Affordable Online Bank Transfers
Experience Rapid Fund Settlement with Same-Day ACH Digital Solutions
Optimize your cash flow with our Same-Day ACH payment processing solution that guarantees rapid fund transfers within the same business day. Unlike traditional ACH transfers, our service ensures prompt fund availability, making it ideal for payroll, vendor payments, and high-volume transactions. This efficiency helps you maintain liquidity and meet the demands of your business operations.
Benefit from lower processing fees and secure bank transfers that keep your financial operations running smoothly. Our automated scheduling minimizes administrative efforts while ensuring compliance with strict security standards. Streamline your financial workflows and enhance operational efficiency with our cost-effective, reliable Same-Day ACH solution.
Optimize Cash Flow with Secure, Cost-Effective Same-Day ACH Transfers
Efficient Internet Same-Day ACH Payment Processing for Rapid Online Bank Transfers
Optimize Your Cash Flow with Fast,
Affordable Same-Day ACH Payment Processing
Our Same-Day ACH
solution is engineered to provide rapid bank transfers that settle
within the same business day, ideal for critical operations like
payroll and vendor payments. Unlike traditional ACH methods that
often result in delays, our service guarantees prompt fund
availability to keep your business liquid and responsive. This
efficient payment solution is a cost-effective alternative to wire
transfers, offering lower fees and secure, automated processing.
Streamline Your Financial Operations with
Automated ACH Transfers
Take advantage of our automated
scheduling feature that simplifies recurring payments and reduces
administrative overhead. Our platform ensures that every
transaction is verified through secure bank authentication,
providing you with peace of mind and compliance with industry
standards. Enhance your operational efficiency, minimize financial
delays, and support high-volume transactions seamlessly with our
robust Same-Day ACH processing solution.
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