FedNow & Real-Time
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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 Payment Processing For Small Business
Why Small Businesses Should Use Same-Day ACH for Payments
Fast & Affordable Same-Day ACH Payment Processing for Small Businesses
Small businesses need efficient and secure payment solutions to stay competitive in today's fast-paced market. Waiting days for bank transfers can delay cash flow, hinder operations, and reduce growth potential. Same-Day ACH payment processing is the solution that provides instant transactions without the high fees associated with credit card payments.
At TodayPayments.com, we offer a fast, reliable, and cost-effective Same-Day ACH solution for all business types, including sole proprietors, LLCs, partnerships, and corporations. Our platform integrates with QuickBooks® QBO, offers multi-bank support, and enables seamless online transactions—without requiring a visit to the bank!
How to Start Accepting Same-Day ACH Payments in Minutes
Why Small Businesses Need Same-Day ACH Payment Processing
1. Instant Business Transactions Without Hidden Fees
- Same-day fund transfers ensure better cash flow for small businesses.
- Low-cost alternative to credit card processing with no high transaction fees.
- Supports all business types, including B2B, B2C, and C2B transactions.
2. Secure, Multi-Bank ACH Payment Processing
- Accept payments from multiple banks and credit unions in all 50 states.
- Manage multiple Merchant Identification Numbers (MIDs) for different business units.
- Request-for-Payments (RFP) using ISO 20022 messaging for instant invoicing.
3. Smart Payment Processing & Bookkeeping Integration
- Automate payment reconciliation with QuickBooks® QBO integration.
- Send payment requests via SMS, email, mobile, or POS terminals.
- Enjoy real-time tracking with free bank reconciliation tools.
✅
"FREE" Real-Time Payments Bank Reconciliation – with all merchants process with us.
What Makes TodayPayments.com the Best ACH Processing Partner?
✅ Instant Setup – No Lengthy
Approvals or Hidden Fees!
✅ Same-Day ACH with
Multi-Bank & Credit Union Support.
✅ Process
High-Risk Transactions Legally with ACH, FedNow®, and RTP®.
✅ Hosted Payment Pages for Secure, Seamless Online
Payments.
✅ Easily Accept Payments via Mobile,
Email, Text, or Online Checkout.
✅ One-Login
Access to Multiple ACH Accounts Across Different Banks.
✅
24/7 Application Process – No Need for Physical Bank Visits!
How to Get Started with Same-Day ACH for Small Business
1️⃣ Apply for a Same-Day ACH
Merchant Account at TodayPayments.com.
2️⃣ Get
instant approval and start processing payments within hours.
3️⃣
Link your business bank accounts for consolidated payment
management.
4️⃣ Enable mobile number & email-based
ACH payments for easy transactions.
5️⃣ Seamlessly
integrate with QuickBooks® for automated bookkeeping.
Start Accepting Same-Day ACH Payments Today!
Whether you're a small business, freelancer, or eCommerce retailer, our Same-Day ACH processing lets you send and receive payments instantly without the high costs of credit card processing.
✅ Get Started with Same-Day ACH for Your Business!
Apply Now at TodayPayments.com and streamline your payments today!
Creation Request for Payment Bank File
Enhance Your My RTP Accounts 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.
Contact Us for Request For Payment payment processing
