Real-Time Payments RTP® and FedNow® Enrollment Online with Less Bank Information
Top Features of Online Enrollment with Alias-Based Security
Instant Payment Enrollment Made Easy — Without Sharing Full Bank Details
Real-time payments have redefined how modern businesses move money. But for many merchants, the onboarding process can feel overwhelming, especially when banks demand piles of sensitive financial data.
Enter TodayPayments.com—a trusted U.S. fintech processor helping merchants across all 50 states enroll in RTP® and FedNow® merchant accounts online, using only minimal bank information.
With alias-based enrollment (using just a phone number or email), hosted payment pages, and QuickBooks® integration, we’re making it easier than ever to adopt instant payments—no bank visit required.
Why TodayPayments.com Is the Premier Platform for Real-Time Payments
At TodayPayments.com, we offer a secure and streamlined approach to enrolling in The RTP® Network and The FedNow® Service, allowing you to go live in real time without extensive bank paperwork.
✅ Instant online application
✅ Zero setup or sign-up fees
✅ Use email or mobile as your secure alias
✅ 100+ MIDs supported for all your businesses and subsidiaries
✅ 50-state coverage with multiple bank and credit union integrations
✅ No need to physically visit your bank—ever
Our platform supports all payment types, including POS, MOTO, text/SMS invoicing, email billing, and web payments, across B2B, B2C, A2A, and C2B flows.
Top Benefits and Features of Online Enrollment with Alias-Based Security
🔐 Use Less Bank Info with Alias/Moniker Enrollment
Enroll using a company cell phone number or email address as your "alias" with any U.S. bank. No need to share sensitive account details upfront.
Each alias gets a unique MID, and we can consolidate them for easier reconciliation across your divisions, products, or regions.
💼 Full Compatibility with FedNow®, RTP®, ACH, and Credit Cards
Whether you're offering bill pay, vendor payments, recurring subscriptions, or customer invoicing, our platform supports:
- ✅ Instant A2A Transactions
- ✅ Payee-Initiated Transfers
- ✅ Batch Upload/Download
- ✅ Recurring Debit Payments
- ✅ Real-Time Settlement and Tracking
📊 Real-Time Tools for CFOs and Bookkeepers
Get instant access to:
- ✅ Treasury-level reconciliation dashboards
- ✅ QuickBooks® QBO syncing
- ✅ Custom-hosted payment page links embedded in ISO 20022 RfPs
Your financial team will love the accuracy, clarity, and speed.
We’re not a bank—we’re a dedicated accounting-focused fintech that specializes in smart, secure, and scalable payment systems for U.S. merchants.
Key Reasons to Choose Us:
- Free RTP® and FedNow® Applications
- No full financial docs needed—use alias data instead
- Full ISO 20022 RfP and Hosted Payment Page support
- We integrate into QuickBooks® QBO seamlessly
- Serve Sole Proprietors, Schedule C 1040, LLCs, S-Corps, and C Corps
- Support for High-Risk, Low Credit, and Legally Sensitive Industries
- Use across all 50 states, with multiple bank and credit union connections
- Process over 100+ separate aliases (MIDs) under one platform
- POS, Retail, Wholesale, SMS, Email, and Mobile Payments supported
- Guaranteed funding, faster payments, and full payee identity verification
Secure Instant Payment Enrollment—Without the Paperwork
Tired of giving banks every financial detail under the sun just to apply for real-time payments?
TodayPayments.com lets you bypass the delays and enroll instantly into RTP® and FedNow® using just a company cell phone or email as your alias. From there, you can send, receive, and reconcile payments 24/7/365—faster and safer than ever before.
✅ 100% digital, alias-based
onboarding
✅ Zero sign-up fees
✅
No in-person bank visit required
✅ QuickBooks®
integration + real-time reporting
✅ Accept POS,
web, mobile, and recurring payments
✅ Serve all
business structures—including high-risk categories
🚀 Start your real-time
payments journey now.
👉 Visit
TodayPayments.com to enroll in RTP® and FedNow® online—with
less bank info, zero stress, and full funding power.
Creation Request for Payment Bank File
Enhance Your Real-Time Payments Enrollment 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 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.
Each day, thousands of businesses around the country are turning their transactions into profit with real-time payment solutions like ours.
Contact Us for Real-Time Payments Enrollment payment processing pricing
