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
Cheapest Same-Day ACH Processing for Small Business – Fast & Secure
Why Choose TodayPayments.com for Affordable Same-Day ACH Transactions?
Cheapest Same-Day ACH Processing for Small Business – Fast, Reliable & Cost-Effective
For small businesses, traditional ACH payments can be slow, costly, and inefficient, often taking 1-3 business days to process. Delays in cash flow can hurt operations, payroll, and supplier relationships, making it essential for businesses to find a low-cost, fast, and secure payment solution.
With TodayPayments.com, businesses can access the cheapest Same-Day ACH processing available. Our platform eliminates long wait times, reduces transaction fees, and enables instant Same-Day ACH payments across multiple financial institutions in all 50 states.
Additionally, businesses can process payments securely with alias-based transactions, using a mobile phone number or email address instead of full banking details, ensuring higher security, simplified processing, and operational efficiency.
How to Transition to the Cheapest Same-Day ACH Processing for Small Business
Why Choose TodayPayments.com for Affordable Same-Day ACH Processing?
1. Lowest Fees for Same-Day ACH Processing
- Save thousands in transaction costs with the lowest processing fees available.
- No hidden charges, no long-term contracts, and transparent pricing for small businesses.
- Faster settlements compared to traditional ACH, ensuring improved cash flow.
2. Secure Alias-Based Transactions for Fast, Hassle-Free Payments
- Use a cell phone number or email address instead of full banking details for security and ease of use.
- Multi-bank compatibility, allowing businesses to process Same-Day ACH payments across different financial institutions.
- Easily consolidate multiple Merchant Identification Numbers (MIDs) for more efficient financial management.
3. Business-Friendly Payment Solutions
- Accept Same-Day ACH payments via POS, retail, wholesale, MOTO, text, mobile, email, and SMS invoicing.
- Available for sole proprietors, Schedule C 1040 filers, partnerships, LLCs, S-Corps, and C-Corps.
- Lower transaction costs compared to credit card processing, helping small businesses increase profits.
Key Features That Make TodayPayments.com the Best Choice for Low-Cost Same-Day ACH Processing
✅
QuickBooks® QBO Integration
– Automate accounting, invoicing, and bank reconciliation.
✅ Multi-Bank Compatibility – Process Same-Day
ACH payments across multiple financial institutions with
ease.
✅ FedNow® & RTP® Support – Accept
credit cards, real-time payments, and instant ACH transfers in
one solution.
✅ ISO 20022 Messaging with Hosted
Payment Page – Automate Request-for-Payments (RfPs) for
seamless transactions.
✅ Alias-Based MID System
– Assign unique MIDs to multiple phone numbers and email
addresses for simplified processing.
✅
"FREE" Real-Time Payments Bank Reconciliation – with all merchants process with us.
How to Transition to the Cheapest Same-Day ACH Processing for Small Business
1️⃣ Select a Trusted Same-Day
ACH Payment Provider – Work with
TodayPayments.com for low-cost, secure Same-Day ACH
transactions.
2️⃣ Utilize Alias-Based
Transactions for Security & Privacy – Process payments using
mobile phone numbers or email addresses instead of full
banking details.
3️⃣ Enroll Multiple MIDs for
Multi-Brand & Multi-Bank Transactions – Consolidate and
streamline business payments across multiple financial
institutions.
4️⃣ Automate Payment Requests
Using ISO 20022 Messaging – Optimize billing, invoicing,
and payment collection with Request-for-Payments (RfPs).
5️⃣ Integrate QuickBooks® QBO for Automated
Financial Management – Sync transactions in real-time
for seamless bookkeeping.
Start Saving on Same-Day ACH Processing with TodayPayments.com
Avoid slow bank transfers, high fees, and restrictive banking policies. With TodayPayments.com, small businesses can access the cheapest Same-Day ACH payment processing, send and receive funds instantly, and manage financial operations more efficiently.
Apply Today & Experience the Lowest-Cost Same-Day ACH Processing for Small Business!
Visit TodayPayments.com to apply now!
Creation Request for Payment Bank File
Enhance Your Enroll RTP 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
