FedNow® Immediate Payments for B2B, B2C, and C2B Transactions
To empower American businesses and consumers by delivering instant, irrevocable, and secure FedNow® real-time payment solutions for all transaction flows—business-to-business, business-to-consumer, and consumer-to-business—with full settlement visibility and no chargeback risk.
TodayPayments.com is the leading real-time payment gateway delivering FedNow® payment solutions to modern businesses and consumers. With guaranteed good funds, no reversals, and full 24/7 availability, we redefine how digital commerce and payments flow across the U.S. financial system. Our platform offers seamless onboarding, fast integrations, and compliance-ready infrastructure to support real-time B2B, B2C, and C2B payments.
FedNow®: The New Standard for Secure, Instant Transactions
Real-Time Payments for a Real-Time Economy
In today’s fast-paced digital world,
businesses and consumers alike demand instant financial transactions.
The era of waiting days for payments to clear is over. With the
FedNow® Immediate Payments Solution, you can send and receive
real-time, secure payments 24/7/365 across B2B, B2C, and C2B
transaction types. Whether you're a business collecting from
clients, a consumer paying for services, or a company disbursing
funds, FedNow® ensures instant settlement, payment
certainty, and operational efficiency like never before.
FedNow® Parameters and System Attributes
- Transaction Types Supported: B2B (Business-to-Business), B2C (Business-to-Consumer), A2A
- Settlement Time: Instant (within seconds), 24/7/365 availability
- Clearing Protocol: ISO 20022 enriched data
- RfP Support: Yes – Request for Payment for invoicing and bill pay
- Maximum Transfer Limit: ~$1,000,000 (bank-set thresholds)
- Security Framework: End-to-end encryption, real-time monitoring
- Chargebacks/Reversals: Not allowed – payment finality guaranteed
FedNow® Benefits for Businesses and Consumers
- Instant Settlement: Real-time delivery of good funds—no processing delays
- No Chargebacks: Payment finality ensures you keep what you receive
- Automated Invoicing: Send RfPs and receive payments immediately
- Supports Any Transaction Flow: Ideal for B2B supplier payments, C2B ecommerce, or B2C disbursements
- Always Available: Payments can be sent or received on weekends, holidays, or after-hours
- Increased Cash Flow Visibility: Funds reflect in your ledger immediately
- Integrated Messaging: Include invoice numbers, references, and memos with each payment
Ask us How:
- Receive and Pay FedNow® B2B payments with real-time fund settlement for suppliers, contractors, and vendors
- Accept FedNow® C2B payments from consumers for digital goods, service appointments, subscriptions, and invoices
- Use FedNow® for B2C payouts including refunds, payroll disbursements, or contractor compensation with instant confirmation
- Send secure FedNow® Request for Payment (RfP) messages and receive payment instantly into your account
- Connect FedNow® to your accounting software to auto-sync payment receipts and gain immediate reconciliation
- Eliminate ACH wait times and credit card fees with FedNow® A2A instant transfers
- Enable 24/7 payment availability for clients, partners, and customers using FedNow® infrastructure
Join the Real-Time Payment Revolution Today
Why wait days for money you’ve already earned? With FedNow® Immediate Payments, you can receive and pay securely, instantly, and reliably—24/7, including weekends and holidays. Say goodbye to payment delays, reversals, or failed collections. With no chargebacks, instant good funds, and Request for Payment (RfP) support, your business gains a powerful advantage in the modern financial landscape.
Stop waiting. Start transacting in real time.
Visit https://www.TodayPayments.com to activate your FedNow® Real-Time Payment Solution and experience instant settlement and full payment certainty today.
Creation Request for Payment Bank File
Enhance Your Immediate Payments Solution 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 "Your Website" - Hosted Payments Page 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.
Contact Us for Immediate Payments Solution payment processing pricing
