Enhance Cash Flow with Secure and Instant Real-Time Payments with Today Payments, Inc.

Real-Time Payments are transforming the way businesses and consumers send and receive money, offering instant transactions, round-the-clock availability, and superior security. Unlike traditional payment methods that involve delays, Real-Time Payments provide immediate access to funds, helping businesses optimize cash flow management and reduce financial bottlenecks. This modern payment system enhances financial agility, minimizing the reliance on expensive credit lines while boosting overall operational efficiency. With built-in advanced fraud protection, Real-Time Payments safeguard transactions, ensuring a secure and seamless experience for both businesses and customers. Additionally, businesses leveraging this system gain a competitive advantage by offering faster, more convenient payment options that improve customer satisfaction. Adopting Real-Time Payments is a strategic move for companies looking to streamline financial processes and thrive in today’s rapidly advancing digital economy.

Affordable & Secure Real-Time Payments Processing for U.S. Businesses

Today Payments is not a bank, but we provide affordable Real-Time Payments processing for U.S. businesses at a fraction of the cost compared to banks and traditional payment processors. Our instant payment solution enables businesses to process secure transactions in real time, improving cash flow without the burden of high banking fees. Small businesses benefit from faster transactions by eliminating lengthy settlement delays that often disrupt revenue cycles. Whether for B2B, C2B, and B2C transactions, our system ensures smooth and reliable Account-to-Account (A2A) payments. Consumers engaged in C2B, B2C, and C2C transactions also experience real-time transfers, removing the frustration of waiting for bills to clear or urgent payments to process. As a compliant instant payments system, Real-Time Payments offers a secure, cost-effective alternative to third-party payment providers while ensuring full regulatory compliance.

Compare Costs: Today Payments vs. Banks & Other Processors

Businesses using Today Payments can save significantly compared to banks and other payment providers offering instant transactions. Traditional banks often impose high fees and restrictive policies, reducing financial flexibility for small businesses. In contrast, Today Payments delivers Real-Time Payments transactions at lower costs, allowing businesses to optimize their payment processes efficiently. Our streamlined service enables financial institutions to provide a seamless payment experience without the high overhead costs associated with outdated banking systems. By leveraging Today Payments for Real-Time Payments processing, businesses can lower transaction fees, enhance efficiency, and improve customer satisfaction. Choosing Real-Time Payments through Today Payments is the smarter decision for companies seeking faster, more secure, and cost-effective payment solutions in today’s competitive market.

Today Payments' Real-Time Payments
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Your current Payment Processor or Any Bank / Competitor




Monthly Cost Calculator

Enter your Monthly Transactions, Sale Price per Transaction, Interchange / Discount % and Transaction Fee details below to calculate costs for each payment method:

Payment Type Input Your Number of Monthly Transactions Input Your Average Sale Price Per Transaction Input Your Current Bank: Interchange / Discount % Input Your Current Bank: Transaction Fee Today Payments: Interchange / Discount % Today Payments: Transaction Fee Your Current Bank Cost Today Payments Cost Monthly Savings
Credit Cards
ACH
FedNow
Real-Time Payments
Monthly Fee 19.95
Total Monthly Cost Savings Savings

Today Payments Credit Card/ACH Fees/Real-Time Payments/Real-Time Payments:

Credit Card fees summarized are as follows:

VISA / MasterCard/ Discover / American Express-

Interchange 2% plus 35 Basis Points = 2.35% + $0.10 per transaction for all transaction types - keyed / MOTO and eCommerce 
Authorizations $0.10 per transaction

 

ACH Fees summarized are as follows:

.75% + $.30  per debit transaction

$2.50 per return ( bounced / closed account )

$25.00  per unauthorized return  (Like a Chargeback / Unauthorized Return) 

Real-Time Payments Fees summarized are as follows:

1.00% + $.10  per debit transaction

$2.50 per return ( bounced / closed account )

$25.00  per unauthorized return  (Like a Chargeback / Unauthorized Return / Reject) 

Real-Time Payments Fees summarized are as follows:

1.00% + $.10  per debit transaction

$2.50 per return ( bounced / closed account )

$25.00  per unauthorized return  (Like a Chargeback / Unauthorized Return / Reject) 

Other Account Fees are as follows:

Credit Cards:
$ 26.95 - Monthly 

$ 12.95 - PCI fee 

$ 9.95 - Next Day Funding - (Optional for CC accounts / 2-3 business days is always free)

$ - 0 - Application Fee 

$ - 0 - Setup Fee  

$ 59.95 - Annual Fee for Cards 

ACH:
$ 10.95 - Monthly (Discounted ACH add-on with CC account)

(or $19.95  for an ACH only account)

$ 29.95 - Annual Fee for ACH 

Real-Time Payments:
$ 10.95 - Monthly (Discounted Real-Time Payments add-on with CC account)

(or $19.95  for a Real-Time Payments only account)

$ 29.95 - Annual Fee for Real-Time Payments 

Real-Time Payments:
$ 10.95 - Monthly (Discounted Real-Time Payments add-on with CC account)

(or $19.95  for a Real-Time Payments only account)

$ 29.95 - Annual Fee for Real-Time Payments 

* Disclosure: The figures and calculations presented on this page are intended as rough estimates only. Actual Credit Cards, ACH, Real-Time Payments and Real-Time Payments payment processing rates may vary based on individual business profiles, transaction volumes, and specific contractual terms. For a more accurate and comprehensive analysis of your unique payment processing needs, we encourage you to call Today Payments (866) 927-7180 to request a personalized report. Our experts will help you evaluate your transaction history, business model, and specific requirements to provide the most cost-effective and up-to-date payment processing solution.
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