Optimize B2B Transactions with FedNow® A2A Real-Time Payments

Automate Batch Processing and Digital Invoicing with ISO 20022 Request for Payment Messaging

Enhance your B2B financial operations with FedNow A2A Transactions – Send Batches, Upload, and Receive Multiple Real-Time Payments Using Request for Payment B2B. This solution enables businesses to process high-volume transactions seamlessly, improving cash flow, financial accuracy, and reconciliation efficiency. ISO 20022 Request for Payment messaging ensures that digital invoicing remains secure, standardized, and automated, reducing manual intervention. With instant A2A batch payments, businesses can streamline their payables and receivables, ensuring faster, fraud-resistant settlements.

In today’s fast-paced financial landscape, businesses require instant, secure, and automated payment processing to remain competitive. FedNow A2A Transactions – Send Batches, Upload, and Receive Multiple Real-Time Payments Using Request to Payments B2B revolutionizes B2B payments by eliminating delays, enhancing cash flow, and improving reconciliation accuracy. With ISO 20022 Request for Payment messaging, businesses can now seamlessly integrate real-time digital invoicing, ensuring faster settlements, reduced manual errors, and automated tracking.

FedNow® A2A transactions, businesses can eliminate dependency on outdated payment methods, ensuring seamless transactions, compliance with financial regulations, and reduced processing costs. Whether you're sending batch payments for supplier invoices, handling payroll, or streamlining high-volume transactions, real-time payments offer unmatched efficiency. Automated reconciliation, fraud detection, and real-time transaction monitoring further enhance financial transparency and security, making this an ideal solution for modern enterprises.

By leveraging real-time A2A batch transactions, businesses can improve liquidity, minimize operational costs, and accelerate supplier payments. Automated reconciliation and real-time notifications enhance transparency and financial control. FedNow® payments eliminate the need for checks and slow wire transfers, ensuring seamless integration with ERP and accounting systems. The future of B2B payments lies in real-time processing, where businesses can maintain high-speed transactions with enhanced security and compliance.

• Instant A2A batch payments with FedNow® for B2B invoicing
• Secure ISO 20022 real-time transactions for digital invoicing
• Automated request for payment messaging for bulk payments
• FedNow® account-to-account real-time funding for business payments

Creation Request for Payment Bank File

Enhance Your FedNow A2A Transactions 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 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.