Accept FedNow® and RTP® Real-Time Payments with Patient Surcharging & Instant Dental Billing

FedNow® & RTP® Real-Time Payment Rails for Dental Billing

Parameters

• Rail Types Supported: FedNow®, RTP®, Same-Day ACH, A2A debit/credit
• ISO 20022 Messaging: Structured/unstructured remittance up to 145 characters
• Payment Types: C2B (Consumer to Business), A2A (Account to Account)
• Settlement Time: Immediate (seconds), 24/7/365
• Transaction Size Limits: Typically up to $1 million (varies by FI)

Attributes

• Non-reversible: Funds are final with no chargebacks
• Real-time Confirmation: Instant transaction success/failure notification
• Legal Surcharging: Payers can legally pay merchant processing fees
• Compliant Nationwide: Aligned with federal/state surcharge laws
• Built-in Fraud Prevention: No PAN or card data required

Benefits

• Instant good funds—no holds, no delays
• Surcharge-ready—patient pays processing fees
• Eliminates card fees and chargebacks
• Compliant digital invoicing via ISO 20022
• Higher patient conversion with flexible payment rails

Features

• Hosted Payment Page with Surcharge Notice
• POS, MOTO, Auto-Bill, and Recurring Invoice Support
• QuickBooks® and Dental PMS Integration
• Text-to-Pay and Email Billing
• Real-time Request for Payment (RfP™) tools with patient click-to-pay simplicity
• ➤ Instant receipts, ledger posting, and payment reconciliation

✅ Real-Time Payments Action Model for Dental Offices

Patient (Payer) → Dentist (Payee)

• The patient pays via Hosted Payments Page, POS, or Text Link
• Chooses FedNow®, RTP®, ACH, Card, or Financing
• Processing fee is disclosed and passed to the patient (compliant surcharging)
• Dentist receives the full invoice amount instantly—no delays, no deductions
• Payments are auto-posted to ledgers and synced with accounting software

By adopting the FedNow® and RTP® Surcharging method, businesses can:

✅ Pass processing fees to the payer (customer/client) for real-time transactions
✅ Enable instant A2A Credit & Debit transactions via FedNow® and RTP® and Same-Day ACH
✅ Use POS, MOTO (Mail Order/Telephone Order), Auto-Bill Pay, and invoicing
✅ Ensure compliance with Federal & State regulations for payment processing
✅ Leverage ISO 20022 messaging for structured, automated, and secure payments

With TodayPayments, businesses can accept FedNow® and RTP® payments instantly—without incurring merchant processing fees.

Federal & State Regulations on FedNow® and RTP® Surcharging

Ensuring Compliance Across All U.S. Jurisdictions

FedNow® and RTP® transactions are governed by Federal Reserve regulations, which allow merchant surcharging in accordance with applicable state laws.

• Credit Card Surcharges Are Regulated by State Law: Some states prohibit credit card surcharges, but FedNow® and RTP® payments are direct A2A transactions and do not fall under credit card surcharge regulations.
• Cash Discount Programs Are Legal in All 50 States: FedNow® and RTP® payments may qualify as an alternative cash discount program, ensuring compliance in all jurisdictions.
• Federal Compliance: As a federally backed system, FedNow® and RTP® enables compliant payment processing with transparency and fee disclosure requirements.

Best Practices for FedNow® and RTP® Surcharge Implementation:
✔ Clearly disclose surcharges before payment processing
✔ Ensure compliance with both state and federal payment regulations
✔ Leverage ISO 20022 messaging for transparent and structured payment requests

Conclusion to Marketing https://www.TodayPayments.com

Don’t let old-school billing keep your practice behind. With TodayPayments.com, your dental office can:

✅ Accept real-time, good-fund payments via FedNow® and RTP®
✅ Offer legal surcharging so patients pay the merchant processing fee
✅ Get paid in full and instantly—no chargebacks or authorization failures
✅ Reconcile payments automatically with QBO and PMS integration
✅ Bill via POS, Text, MOTO, Auto-Bill Pay, or ISO 20022 Request for Payment

Whether you’re a solo practitioner or multi-office group, TodayPayments.com delivers the only complete dental real-time payment solution that makes every dollar count.

👉 Visit TodayPayments.com now to enroll and activate your Real-Time Dental Payments Merchant Account.
Good Funds. Full Control. Built for Dentistry.