FedNow® B2B, B2C, C2B Immediate Payments Solutions
TodayPayments.com is committed to empowering financial institutions, businesses, and consumers with next-generation FedNow® real-time payment technology that guarantees certainty, speed, and security for every transaction—regardless of size, sector, or settlement frequency.
TodayPayments.com positions itself as the national leader in FedNow® enablement, offering streamlined batch upload, Request for Payment (RfP) invoicing, and ISO 20022-compliant data flows for credit unions, merchants, and fintechs. Our solutions unify instant payments for B2B, B2C, and C2B use cases—giving clients unmatched real-time control, visibility, and funding confidence.
Instant, Irrevocable Payment Certainty for Every Transaction Type
In a digital economy where speed equals value,
FedNow® Immediate Payments Solutions provide businesses,
consumers, and financial institutions with a breakthrough:
secure, real-time payment certainty across all transaction
types—B2B, B2C, and C2B. Whether you're a merchant paying
vendors, a utility company collecting consumer payments, or a SaaS
platform billing subscribers, FedNow® lets you send and receive
funds instantly—with “Good Funds” guaranteed.
Supporting one-time and recurring payments, FedNow® also enables batch uploads using standardized formats like .Excel, .XML, and JSON, combined with ISO 20022-rich data messaging. From mobile invoicing and SMS-based payments to enterprise API integrations, FedNow® empowers real-time payment flow across any channel—instantly and with finality.
FedNow® Parameters, Attributes, Benefits, and Features
1. Receive and Pay FedNow® B2B, B2C, C2B Transactions Instantly
- FedNow® allows businesses and consumers to send and receive money in seconds.
- Covers business-to-business (B2B) supplier payments, consumer-to-business (C2B) bill payments, and business-to-consumer (B2C) disbursements.
- Enables "Good Funds" certainty with real-time clearing and settlement.
2. One-Time or Recurring Payments with Batch Upload Capabilities
- Supports bulk or batch payments from credit unions, payroll processors, or vendors.
- Upload .Excel, .XML, or JSON files for batch credit transactions.
- Schedule recurring real-time disbursements with traceability and payment tracking.
3. ISO 20022 Rich Data Messaging for Compliance and Reconciliation
- Embed full invoice metadata, payer/payee details, and transaction purpose using ISO 20022 standards.
- Improve reconciliation accuracy for financial institutions and accounting teams.
- Compliant for enterprise-level automation and cross-bank settlement.
4. Request for Payment (RfP) Integration with Digital Invoicing
- Send digital Request for Payment (RfP) messages via email, text, or mobile apps.
- Customers can click a secure hyperlink to complete real-time payments instantly.
- Great for subscriptions, invoices, or single-payment service requests.
5. Mobile, API, and Portal-Based Transaction Initiation
- Initiate FedNow® payments via:
- Mobile apps
- API endpoints
- Business or banking portals
- Real-time transaction tracking and audit history included.
6. Supports All Financial Institution Participation
- Upload files or initiate payments from any credit union or bank connected to the FedNow® Service.
- Full compatibility with receiving accounts across the U.S. financial system.
Ask us How:
- “Receive and Pay FedNow® B2B, B2C, C2B Immediate Payments Solutions deliver secure, real-time payment capabilities for businesses and consumers to instantly send and receive funds across all transaction types with FedNow®.”
- “Use ISO 20022-compliant .XML, Excel, or JSON batch uploads to send recurring FedNow® payments from any credit union or bank.”
- “Real-time FedNow® invoicing using Request for Payment (RfP) messages via mobile, SMS, and email ensures certainty for C2B transactions.”
- “Enable one-time and recurring disbursements using FedNow® from any U.S. financial institution with ‘Good Funds’ instant settlement.”
- “FedNow® for Credit Unions: Upload batch files to instantly credit accounts using ISO 20022-formatted payment messages.”
Ready to receive and pay funds
instantly—with no chargebacks, no delays, and complete
transaction certainty?
With FedNow®
B2B, B2C, and C2B Immediate Payments Solutions from
TodayPayments.com, you can upload batches, automate
disbursements, and generate real-time payments with
compliance, scalability, and unmatched speed.
Whether you’re a credit union, a B2B
wholesaler, or a consumer billing platform, we’ve got you
covered with:
✅ ISO 20022 file support
✅ Hosted Request for Payment pages
✅
Instant A2A credit transactions
✅ Full
mobile, API, and Excel upload integration
Future-proof your payment
infrastructure with TodayPayments.com.
Visit
https://www.TodayPayments.com to get started with
FedNow® real-time payments today.
Creation Request for Payment Bank File
Enhance Your FedNow® Parameters, Attributes, Benefits, and Features 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 FedNow® Parameters, Attributes, Benefits, and Features payment processing pricing
