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Real-Time Payments Gateway


Real-Time ACH: Same-Day ACH, FedNow® & RTP® Instant A2A Bank Transactions

How Real-Time ACH, FedNow®, and RTP® Are Transforming Digital Payments

The Future of Real-Time ACH Payments

In today's fast-paced digital economy, businesses and consumers demand instant, secure, and cost-effective payments. Traditional ACH transactions—while reliable—often take 1-3 business days to process, creating delays in cash flow and financial operations.

Enter Real-Time ACH, a term that encompasses Same-Day ACH, FedNow®, and RTP® (Real-Time Payments)—all offering instant account-to-account (A2A) credit and debit transactions for B2B, B2C, and C2B payments.

However, NACHA does not currently offer "Instant ACH." Instead, FedNow® and RTP® provide real-time settlement, leveraging ISO 20022 messaging for secure, standardized financial transactions.

With innovative platforms like TodayPayments.com, businesses can eliminate payment delays, reduce costs, and enhance operational efficiency with real-time A2A transfers.

Understanding Real-Time ACH: Same-Day ACH, FedNow®, and RTP®

1. Same-Day ACH: Faster, But Not Instant

  • Settlement Within the Same Business Day: Accelerates ACH payments but does not provide real-time transfers.
  • Lower Processing Fees: More affordable than credit cards and wire transfers.
  • Best for Payroll & Vendor Payments: Ensures funds arrive faster than standard ACH.

2. FedNow® & RTP®: True Instant A2A Transactions

  • 24/7/365 Real-Time Settlement: Unlike ACH, FedNow® and RTP® offer instant transactions even on weekends and holidays.
  • No Banking Delays: Direct bank-to-bank transfers without intermediaries.
  • Eliminates Chargebacks & Holds: Once a transaction is completed, it cannot be reversed.

3. Request for Payment (RfP): Transforming Business Transactions

  • Instant Invoice Settlements: Businesses can send an RfP to a payer’s bank, prompting faster payments.
  • No More Late Payments: Encourages customers to settle outstanding invoices on time.
  • Seamless Recurring Billing: Ideal for subscriptions, automated invoicing, and vendor payments.

Key Benefits of Real-Time ACH, FedNow®, and RTP® Payments

1. Instant Access to Funds

✅ No More Waiting for Payments – Transactions settle in seconds, ensuring cash flow stability.
✅ Round-the-Clock Processing – Unlike ACH, which is restricted to banking hours, FedNow® and RTP® process transactions 24/7/365.
✅ Better Liquidity for Businesses – Immediate access to revenue allows for faster reinvestment and operations.

2. Lower Transaction Costs

✅ More Affordable Than Credit Cards – No high interchange fees or chargeback risks.
✅ Eliminates Wire Transfer Costs – Instant payments without expensive wire fees.

3. Enhanced Security with ISO 20022 Messaging

✅ Standardized & Structured Data – Ensures seamless communication between banks, reducing processing errors.
✅ Advanced Fraud Prevention – Real-time monitoring minimizes risks of unauthorized transactions.
✅ Regulatory Compliance – Transactions comply with the latest banking and financial security standards.

4. Optimized Business Payments for B2B, C2B, and B2C

✅ Instant Payroll & Employee Payments – Workers receive wages immediately.
✅ Faster Invoice Payments – Businesses get paid without processing delays.
✅ Seamless E-Commerce & Subscription Billing – Customers enjoy smooth, real-time transactions.

How TodayPayments.com Powers Real-Time ACH & Instant A2A Payments

With TodayPayments.com, businesses can seamlessly integrate Real-Time ACH, FedNow®, and RTP® to:
✅ Eliminate payment delays
✅ Lower transaction costs
✅ Streamline cash flow & financial operations

🚀 Get Started Today & Accept Instant Bank Payments!

👉 Sign up now at TodayPayments.com and experience the next generation of real-time digital payments.

Features & Benefits

FedNow instant payments has benefits for all parties involved in Financial Transactions.
Benefits to your company include:
Text Mobile Request for Real-Time Payment Money Transfer: Current limit of $1,000,000 - FedNow, $10,000,000 - RTP®.
It's Final: All RTP (Real-time Payments) and Instant Payments are Final & Irrevocable.
It's Fast: 24/7/365 access to funds anytime vs. several days for paper checks or ACH transfers to process.
Request for Payments ( RfP ™): Mobile & Online Real-Time Bill Payments.
Software Integration: Integrate your A/R & A/P Management or Enterprise software with us.
Message Detail: Full 145 characters available using ISO 20022 messaging XML format.
Online Down Payments: Don't use inconvenient and expensive Wires & Cashier's Checks.
Online Real-Time Reporting: Configured Dashboard with Virtual Terminal login.
Reduced calls / emails in the "Purchasing Chain": All parties to a instant payment transaction receive immediately text & email messaging.  The FedNow and RTP Systems enables Participants to initiate credit transfers, receive final and irrevocable settlement for credit transfers, and make available to Receivers funds associated with such credit transfers in real-time, twenty-four (24) hours a day, seven (7) days a week, fifty-two (52) weeks a year. All instant payments are "Credit Push" instead of "Debit Pull."

Creation Request for Payment Bank File

Call us, the .csv and or .xml FedNow or Request for Payment (RfP) file you need while on your 1st phone call! We guarantee our reports work to your Bank and Credit Union. We were years ahead of competitors recognizing the benefits of RequestForPayment.com. We are not a Bank. Our function as a role as an "Accounting System" in Open Banking with Real-Time Payments to work with Billers to create the Request for Payment to upload the Biller's Bank online platform. U.S. Companies need help to learn the RfP message delivering their bank. Today Payments' ISO 20022 Payment Initiation (PAIN .013) shows how to implement Create Real-Time Payments Request for Payment File up front delivering a message from the Creditor (Payee) to it's bank. Most banks (FIs) will deliver the message Import and Batch files for their company depositors for both FedNow and Real-Time Payments (RtP). Once uploaded correctly, the Creditor's (Payee's) bank continues through a "Payment Hub", will be the RtP Hub will be The Clearing House, with messaging to the Debtor's (Payer's) bank. Request for Payment

... easily create Real-Time 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.

Pricing with our Request For Payment Solutions

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 1) Free ISO 20022 Request for Payment File Formats, for FedNow and Real-Time Payments (The Clearing House) .pdf for you manually create "Mandatory" (Mandatory .csv or .xml data for completed ISO 20022 file) fields, start at page 4, with "yellow" highlighting. $0.0 + No Support


2) We create .csv or .xml formatting files using your Bank or Credit Union. Using your invoice information database to create an existing Accounts Receivable file, we CLEAN, FORMAT to FEDNOW or Real-Time Payments into CSV or XML. Create Multiple Templates. You can upload or "key data" into our software for File Creation of "Mandatory" general file. Use either the Routing Number and Account Number for your Customers or use "Alias" name via Mobile Cell Phone and / or Email address.

Fees = $57 monthly, including Activation, Support Fees and Batch Fee, Monthly Fee, User Fee. We add your URI for each separate Payer transaction for additional Payment Methods on "Hosted Payment Page" (Request for file with an HTML link per transaction to "Hosted Payment Page" with ancillary payment methods of FedNow, RTP, ACH, Cards and many more!) + $.03 per Transaction + 1% percentage on gross dollar file,


3) Add integrating QuickBooks Online "QBO" using FedNow Real-time Payment using our Real-Time ACH system.

Fees Above 2) plus $29 monthly additional QuickBooks Online "QBO" formatting, and "Hosted Payment Page" and WYSIWYG


4) Above 3) plus Create "Total" (over 600 Mandatory, Conditional & Optional fields of all ISO 20022 Pain .013) Price on quote.

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 processing