Enhance Same-Day ACH Payments with FedNow® A2A Transactions

Reliable, Efficient, and Secure B2B Digital Invoicing

Improve Cash Flow with Same-Day ACH and FedNow® A2A Batch Transactions

Efficient, Secure, and Fast B2B Invoice Settlements with Real-Time Payments

Ensure faster settlements and improved financial predictability using FedNow A2A Transactions – Send Batches, Upload, and Receive Multiple Real-Time Payments Using Request for Payment B2B with Same-Day ACH. Businesses can process high-volume B2B transactions securely, reducing payment delays, administrative overhead, and reconciliation issues. ISO 20022 Request for Payment messaging provides a structured, secure, and automated framework for digital invoicing, ensuring quick and compliant transactions. With batch uploads and real-time processing, businesses can optimize supplier payments, payroll, and accounts payable workflows.

Integrating Same-Day ACH with FedNow® A2A transactions helps businesses reduce dependency on outdated payment methods and improve cash flow efficiency. Automated tracking, fraud prevention, and instant notifications ensure that businesses maintain full control over their financial transactions. The ability to send and receive batch payments instantly reduces operational costs while increasing transaction transparency and security. By using Same-Day ACH and FedNow® together, businesses can maintain financial agility and scalability.

• Same-Day ACH payments using FedNow® A2A batch transactions
• ISO 20022 invoicing for instant ACH settlements
• Automated request for payment messaging for bulk ACH transfers
• Faster B2B invoice settlements using real-time account funding

Creation Request for Payment Bank File

Enhance Your FedNow A2A Transactions Same-Day ACH 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 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.