Receive and Pay FedNow® B2B, B2C, C2B Instant ACH
TodayPayments.com is on a mission to help businesses, banks, and platforms modernize their payment operations with secure, real-time FedNow® and Instant ACH tools that simplify cash flow, accelerate collections, and eliminate delays.
TodayPayments.com is the go-to platform for FedNow® Instant ACH enablement. We help businesses and financial institutions unlock real-time payment capabilities across all transaction types—B2B, B2C, and C2B—using smart invoicing, ISO 20022 messaging, and instant A2A fund transfer solutions.
Real-Time Fund Movement for Every Payment Flow
As digital payments accelerate across
industries, businesses and consumers alike need a way to send and
receive money instantly, securely, and reliably. Enter
FedNow® Instant ACH—a revolutionary real-time payment solution
that enables instant settlement across B2B, B2C, and C2B
transaction flows.
Whether you're a business paying suppliers, a platform collecting consumer payments, or a financial institution facilitating digital disbursements, FedNow® bridges the gap between speed and certainty. Combining the security of ACH with the real-time functionality of FedNow®, this hybrid solution offers “Good Funds” settlement with no delays, no chargebacks, and no nightly batch processing bottlenecks. From recurring disbursements to one-time invoice payments, the future of funds movement is here—and it’s real-time.
Streamline Itemized FedNow® Parameters, Attributes, Benefits and Features
1. Real-Time ACH with FedNow® Settlement
- Combines ACH security with FedNow® speed for instant payments.
- Perfect for business-to-business (B2B) supplier disbursements.
- Ideal for business-to-consumer (B2C) refunds, rebates, or salary payouts.
- Supports consumer-to-business (C2B) bill payments and service invoices.
2. Receive and Pay Across All Transaction Flows
- Supports both receiving and initiating real-time payments 24/7/365.
- Enables seamless credit push transactions with final settlement.
- Offers “Good Funds” certainty—no revocations or chargebacks.
3. Batch File Uploads and One-Time Transactions
- Upload single or recurring
transactions via:
- .Excel (.csv/.xls)
- .XML
- JSON
- Easily schedule payroll, vendor disbursements, customer refunds, or subscription payouts.
4. ISO 20022 Messaging for Rich Data and Reconciliation
- Includes structured data
elements:
- Invoice Number
- Transaction Purpose
- Payer/Payee Identification
- Enhances audit trails, ledger accuracy, and financial compliance.
5. Integrated Request for Payment (RfP) Tools
- Send digital payment requests via SMS, email, or mobile apps.
- Customers or partners click to pay using FedNow® or ACH.
- Works for invoices, service billing, donations, or C2B checkout pages.
6. Mobile & API-Friendly Real-Time Payment Infrastructure
- Real-time payment rails are
accessible via:
- Mobile invoicing apps
- ERP integrations
- Custom payment portals
- Full reporting and confirmation logs provided in real time.
Ask us How:
- “Receive and Pay FedNow® B2B, B2C, C2B Instant ACH offers real-time, secure ACH and FedNow® payment solutions for instantly sending and receiving funds across business-to-business, business-to-consumer, and consumer-to-business transactions.”
- “Use ISO 20022-formatted Excel, XML, or JSON batch uploads to process recurring FedNow® or Instant ACH transactions with full data transparency.”
- “Request for Payment (RfP) via email or text enables real-time C2B collections through secure FedNow® fund transfers.”
- “Instant ACH with FedNow® settlement allows financial institutions and businesses to send payments 24/7/365 with finality and no chargebacks.”
- “Enable real-time B2B payouts, B2C disbursements, and C2B collections using a unified FedNow® A2A transfer system backed by ISO 20022.”
Why wait for overnight batches or
settle for slow ACH when you can get paid in seconds—every
day, every hour, every transaction?
With FedNow®
B2B, B2C, C2B Instant ACH, powered by
TodayPayments.com, you can move money instantly, with
the confidence of real-time posting and “Good Funds”
certainty.
✅ No waiting periods
✅ No chargebacks
✅ No outdated
batch systems
✅ Just instant, secure,
real-time payments—backed by ISO 20022
compliance
Whether you're billing customers, paying vendors, or disbursing refunds—FedNow® Instant ACH gives you total control, speed, and settlement certainty.
Visit https://www.TodayPayments.com to activate your real-time payment solution and say goodbye to ACH delays for good.
Creation Request for Payment Bank File
Enhance Your Receive and Pay FedNow® B2B, B2C, C2B Instant 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 "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 Receive and Pay FedNow® B2B, B2C, C2B Instant ACH payment processing pricing
