
Enroll in FedNow® – The Future of Instant, Secure, and Flexible Payments
Why Businesses Are Enrolling in FedNow® with TodayPayments.com
Enroll in FedNow® – The Future of Instant,
Secure, and Flexible Payments
For businesses of all sizes, enrolling in
FedNow® is a game-changer. Traditional payment methods like ACH,
wire transfers, and credit card payments come with processing
delays, high transaction fees, and unnecessary complications.
With FedNow®, businesses can use a mobile phone number or email as their alias/moniker instead of sharing complete financial data, making transactions more secure, efficient, and accessible across multiple bank accounts.
At TodayPayments.com, we simplify FedNow® enrollment, offering multiple Merchant Identification Numbers (MIDs) for various aliases. Whether you operate as a sole proprietor, LLC, partnership, S-Corp, or C-Corp, we ensure seamless FedNow® integration, eliminating the need to visit a physical bank branch.
As an accounting fintech merchant processing company, we also integrate FedNow® with QuickBooks® QBO, ensuring automated reconciliation and real-time financial tracking.
Multiple FedNow® Accounts Across Financial Institutions

Enroll in FedNow® – A Secure & Seamless Payment Solution for Every Business
Why Businesses Are Enrolling in FedNow® with TodayPayments.com
Traditional banking processes can be slow, expensive, and restrictive.
Enrolling in FedNow® with TodayPayments.com gives businesses access to:
✅ Instant real-time
payments – No more waiting for ACH or wire transfers to
clear.
✅ Alias-based transactions –
Use cell phone numbers and email addresses instead of
full banking details.
✅ Multiple MIDs for
all aliases – We provide customized merchant IDs
for each alias, streamlining operations.
✅
24/7 online enrollment – Never visit a bank
physically again to apply for FedNow®.
✅
Integration with QuickBooks® QBO – Automate accounting
and streamline cash flow tracking.
✅
"FREE" Real-Time Payments Bank Reconciliation – with all merchants process with us.
Premier FedNow® Enrollment Services by TodayPayments.com
✅ Multiple FedNow® Accounts Across Financial Institutions
- Enroll with multiple banks and credit unions under one centralized system.
- Traditional banks won’t provide this level of flexibility, but we do.
✅ Custom Hosted Payment Pages for Request for Payment (RfP) Invoicing
- Generate customized payment pages for easy integration into ISO 20022 messaging.
- Insert direct payment hyperlinks into invoices, texts, and emails for seamless payer transactions.
✅ Multiple Merchant Accounts for FedNow® & RTP® (Real-Time Payments)
- We provide merchant accounts for both FedNow® and RTP®.
- Most banks won’t offer dual-processing capabilities—TodayPayments.com does!
✅ Connect to Multiple Banks & Credit Unions Across 50 States
- Businesses with multiple divisions and subsidiaries can enroll all bank accounts into FedNow®.
- Ensures cross-state compatibility for a national business presence.
✅ Support for Multiple Email Addresses & Phone Numbers
- Assign separate MIDs for each alias (email or phone number).
- Even businesses with 100+ unique identifiers can enroll without limitations.
✅ Free Real-Time Payments Bank Reconciliation
- Treasurers and CFOs benefit from instant reconciliation tools.
- No additional costs—we provide this service completely free.
✅ Easy Steps for U.S. Merchants to Enroll in FedNow®
1️⃣ Sign up online at
TodayPayments.com – No bank visits required.
2️⃣
Register using your cell phone number and email as an
alias.
3️⃣ Enroll multiple bank
accounts seamlessly under one merchant account.
4️⃣
Receive Merchant Identification Numbers (MIDs) for each
alias.
5️⃣ Integrate FedNow® with
QuickBooks® QBO for automated accounting.
6️⃣
Accept instant payments through mobile, email, and SMS
invoicing.
Key Benefits of Enrolling in FedNow® with TodayPayments.com
🔹 Low-Cost Transactions with No Credit Card Fees
- FedNow® transactions cost significantly less than credit card processing.
- No chargeback risks, PCI compliance fees, or high interchange rates.
🔹 Instant Real-Time Payments (A2A Credit & Debit Transactions)
- Funds settle in seconds, not days.
- Perfect for payroll, invoice payments, and vendor settlements.
🔹 No Physical Bank Visits – Enroll 100% Online
- Apply 24/7 without visiting a branch.
- No lengthy approvals—get started in minutes.
🔹 Safe & Secure Alias-Based Payments
- Never share full banking details—use a cell phone or email instead.
- Ideal for merchants concerned about financial data privacy.
🔹 Multiple MIDs for Better Business Management
- Assign unique Merchant IDs per department, location, or business unit.
- Streamline transactions across multiple revenue streams.
🔹 24/7/365 Payment Processing
- Accept payments anytime, anywhere—including weekends & holidays.
Industries That Benefit Most from Enrolling in FedNow®
Retail & E-Commerce
- Accept instant payments with secure digital invoicing.
- No more pending transactions—funds settle instantly.
B2B & Wholesale Transactions
- Real-time supplier payments eliminate processing delays.
- Reduce dependency on wire transfers and ACH transfers.
Subscription & Membership-Based Businesses
- Automated recurring billing with zero chargeback risks.
- Perfect for SaaS, streaming, and membership-based services.
Freelancers & Gig Economy
- Instant access to earnings—no bank processing delays.
- Receive payments using only your phone number or email alias.
High-Risk Industries
- No merchant account restrictions based on business type or credit score.
- Perfect for industries that banks typically avoid, like gaming, adult, and CBD.
Enroll in FedNow® with TodayPayments.com Today
Are you ready to revolutionize the way your business processes payments? Enroll in FedNow® with TodayPayments.com and enjoy:
Instant real-time payments using cell
phone numbers or emails as aliases.
Multiple MIDs for
better payment management across all bank accounts.
Quick
and easy 24/7 online enrollment—no bank visits required.
Low-cost transactions with no chargebacks or PCI compliance
fees.
Integration with QuickBooks® QBO for seamless
accounting.
Sign up today with TodayPayments.com and start accepting real-time FedNow® payments effortlessly!
Creation Request for Payment Bank File
Enhance Your Enroll FedNow 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 Enroll FedNow payment processing pricing