FedNow® – Streamline B2B Payments with FedNow® Bill Pay

Real-Time Settlements for Faster and More Reliable Transactions

Optimize B2B Bill Payments with FedNow® Real-Time A2A Transactions
Seamless Digital Invoicing Using ISO 20022 Request-for-Payment Messaging
Revolutionizing B2B Transactions with FedNow® Real-Time Payments

The future of B2B bill payments is here with Pay Bills B2B with FedNow® Real-Time Instant Payments from A2A Transactions Using Request for Payments. Businesses can now eliminate payment delays, automate invoicing, and ensure secure, instant settlements using ISO 20022 Request-for-Payment messaging. FedNow® RfP streamlines financial operations, enabling businesses to request and process transactions in real time across multiple payment platforms.

By leveraging FedNow® Real-Time Payments, RTP®, and Same-Day ACH, businesses can reduce manual reconciliation errors, optimize cash flow, and enhance transaction security. Automated invoicing via text, mobile, and email allows merchants and billers to seamlessly request payments from customers, ensuring efficient fund transfers and financial transparency. This scalable solution is ideal for businesses seeking to modernize their payment processes while ensuring compliance and operational efficiency.

FedNow® – Pay Bills Instantly with FedNow® Real-Time Payments
Faster, More Secure A2A B2B Transactions with ISO 20022 Messaging

Pay Bills B2B with FedNow® Real-Time Instant Payments from A2A Transactions Using Request for Payments enables businesses to process payments in real time, reducing settlement delays and improving cash flow management. By integrating ISO 20022 Request-for-Payment messaging, businesses can securely send and receive B2B payments, ensuring efficiency and compliance. With seamless A2A transactions, FedNow® optimizes financial workflows across multiple platforms, including RTP® and Same-Day ACH.

With FedNow® RfP, businesses eliminate paper-based invoicing, automate reconciliation, and improve transaction tracking. Fraud prevention tools, real-time notifications, and automated approvals enhance security, while instant processing ensures predictable and efficient B2B transactions. This digital-first approach is essential for vendors, suppliers, and service providers looking to streamline cash flow and enhance financial agility.

• FedNow® Real-Time B2B payments using ISO 20022 messaging
• Automated digital invoicing for secure FedNow® Request-for-Payment transactions
• Instant settlements across A2A transactions, RTP®, ACH, and payment hubs

Creation Request for Payment Bank File

Enhance Your FedNow Bill Pay 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.