Real-Time Payments FedNow® Enrollment Online with Less Bank Information
Top Benefits of Enrolling in FedNow® Online with TodayPayments
Real-Time Payments Made Simpler—Enroll in
FedNow® Without Full Bank Details
The financial world is moving at the speed of
now. As businesses demand faster payments, The FedNow® Service
has emerged as a trusted solution for real-time money movement,
offering instant settlement 24/7/365. But unlike traditional
methods, you don’t need to walk into a bank or hand over every
financial document to get started.
At TodayPayments.com, we make FedNow® enrollment fast, secure, and easy—with alias-based onboarding that lets you register using just your email or phone number as your ID. Whether you operate a single business or multiple subsidiaries across the U.S., you can now unlock instant payments without the red tape.
Why TodayPayments.com is the Premier FedNow® Partner
Forget long application processes and intrusive bank visits. With TodayPayments.com, businesses of all sizes can enroll in The FedNow® Service online in minutes. Our platform supports:
- ✅ Alias-based enrollment using just a phone number or email
- ✅ No setup fees or paperwork required
- ✅ Instant MIDs for all your businesses, aliases, and accounts
- ✅ Multi-bank enrollment across all 50 U.S. states
- ✅ Hosted Payment Pages + ISO 20022 RfP support
- ✅ Real-time B2B, B2C, C2B, and A2A payments
We also integrate with QuickBooks® Online, support credit card and ACH payments, and welcome high-risk or poor-credit merchants with open arms.
Top Benefits of Enrolling in FedNow® Online with TodayPayments
Use Less Bank Data—Enroll Using Alias Security
Instead of sharing full banking information, you can apply with just a cell phone or email alias. Each alias is assigned a Merchant Identification Number (MID), and we’ll help you manage or consolidate them—whether you’re running 3 departments or 300.
Real-Time Reporting for Bookkeepers, CFOs & Treasurers
Stay on top of your money movement with:
- Instant payment tracking
- Batch uploads/downloads
- Payee-initiated payments
- Bank reconciliation dashboards
Perfect for growing teams that need fast, accurate treasury visibility across multiple banks or locations.
Works with All Payment Methods
Your merchant account supports:
- POS, Retail, MOTO, Mobile, SMS, and Email Invoicing
- Hosted Payment Pages in every RfP
- ACH, RTP®, FedNow®, and Credit Cards
- 24/7/365 instant funding and identity verification
We’re more than just a processor—we’re a U.S.-based accounting-first fintech that provides instant, secure, and scalable payment solutions for merchants of every size and structure.
What Makes Us Stand Out:
- Free FedNow® + RTP® Application — No Sign-Up Fees
- QuickBooks® QBO Integration for Real-Time Accounting
- Hosted Payment Pages + ISO 20022 RfP Messaging
- Multi-Bank & Multi-State Enrollment
- Alias Enrollment Using Email or Phone—No Full Bank Info Needed
- 100+ MID Support for Multiple Divisions or Locations
- Support for Legally High-Risk, Poor Credit, or Declined Merchants
- Instant Identity Verification for Payees and Payers
- Real-Time Bill Pay, A2A, and Debit Recurring Payments
- Batch Processing, Recurring Billing & Consolidated Reporting
Enroll in FedNow® Instantly—No Bank Visit. No Hassle. All Speed.
Why wait days for payments—or hand over piles of paperwork—when you can go live with real-time FedNow® payments today?
With
TodayPayments.com, you can: ✅ Apply online
24/7
✅ Skip the bank visit
✅ Use
just a phone or email alias
✅ Get multiple MIDs
✅ Track and reconcile payments in real time
✅ Accept ACH, card, and instant FedNow®
transactions
✅ Process for high-risk, poor-credit,
or unconventional industries
Whether you run one business or one hundred, we’re here to make real-time payments simple, secure, and tailored to your financial operations.
Ready to get started?
Visit
TodayPayments.com to enroll in FedNow® real-time
payments online—with less bank information and more financial
control.
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.
Contact Us for Real-Time Payments Enrollment payment processing pricing
