FedNow® Accounts: Online Instant Real-Time Payments with Flexible Account Linking
Ultimate Flexibility with Multiple FedNow® Accounts
FedNow® Accounts: Online Instant Real-Time
Payments with Flexible Account Linking
The Future of Instant Payments with
FedNow®
Traditional banking systems often come with slow processing times, complex account setups, and high transaction fees. Businesses, freelancers, and high-risk industries struggle with account limitations, lengthy approvals, and inefficient fund management when trying to set up multiple merchant accounts.
With FedNow® Accounts, you can now apply, activate, and get instant approval online without needing to physically visit a bank. Our flexible account linking options allow businesses to:
✅ Use One Bank Account to Manage
Multiple FedNow® Merchant Accounts
✅ Use Multiple FedNow®
Accounts and Link Them to One Bank Account
Experience seamless, real-time payments with FedNow®—apply online today and start processing instant transactions without the banking hassle!
Key Benefits of FedNow® Accounts for Businesses
Ask us How:
- "How to open a FedNow® merchant account online instantly without visiting a bank"
- "Why FedNow® real-time payments are the best solution for high-risk businesses and digital merchants"
- "The benefits of FedNow® Online Instant Real-Time Payments for secure transactions and seamless processing"
- "How businesses can save money by switching from credit card processing to FedNow® instant payments"
- "The fastest way to open multiple FedNow® merchant accounts and manage them from one bank account"
How FedNow® Accounts Work
Online Instant Real-Time Payments – No Bank Visit Required
✔ Apply, activate, and get
approved online within minutes
✔ Instant approvals
for businesses of all sizes, including high-risk industries
✔ Start processing FedNow® payments immediately with
real-time fund access
Flexible Bank Account Integration – Choose How You Manage Your Payments
✔ Use one bank account to manage
multiple FedNow® merchant accounts
✔ Link multiple
FedNow® merchant accounts to a single bank account
✔
Custom payment routing for seamless financial management
FedNow® Payment Request (RfP) for Faster Transactions
✔ Send instant payment requests
to customers and vendors
✔ Payments settle in
seconds—no waiting for ACH or wire transfers
✔
Funds available 24/7/365 with no banking hours required
Key Benefits of FedNow® Accounts for Businesses
1️⃣ Instant Online Application – No Lengthy Bank Approvals
✔ Apply and get approved
online—no need for in-person verification
✔ Ideal
for businesses that need multiple merchant accounts or high-risk
processing
2️⃣ Real-Time Payment Settlements with FedNow®
✔ Funds settle instantly—no
waiting periods, no processing delays
✔ 24/7/365
availability, including weekends and holidays
3️⃣ No Chargebacks or Payment Reversals
✔ Payments are final,
eliminating fraud risks and chargeback disputes
✔
Unlike credit cards, no rolling reserves or processing holds
4️⃣ Lower Transaction Costs – No High Credit Card Fees
✔ Avoid expensive interchange
fees and ACH processing costs
✔ Flat-rate,
transparent pricing—no hidden charges
5️⃣ Secure & Compliant for All Business Types – Including High-Risk Merchants
✔ Works for eCommerce, digital
services, SaaS, and high-risk industries
✔ Fully
compliant with FedNow® regulatory and security standards
6️⃣ Ultimate Flexibility with Multiple FedNow® Accounts
✔ Link multiple FedNow® merchant
accounts to one bank account
✔ Use one bank
account to manage multiple FedNow® accounts for different
businesses
✔ Streamline cash flow and simplify
account management
Sales-Driven Conclusion: Open Your FedNow® Merchant Account Online with TodayPayments!
Why deal with slow banking approvals and high transaction fees when you can open and activate a FedNow® Merchant Account online instantly? Whether you need one FedNow® account or multiple accounts connected to one bank, our seamless setup allows real-time payments with no delays.
Sign up now with TodayPayments and start processing FedNow® instant payments today—no bank visits, no hassle!
Creation Request for Payment Bank File
Enhance Your FedNow Accounts 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.
Contact Us for FedNow Accounts payment processing pricing
