Real-Time Solutions

Real-Time Enrollment Without a Bank Visit
Apply for FedNow® and RTP® merchant accounts from your computer or phone—no in-person meetings required.

Alias-Based MID Assignment for Maximum Flexibility
Use your cell phone number or email address as a moniker or alias to receive payments, without exposing sensitive financial data. We assign a unique MID to each alias—supporting over 100+ if needed.

Multi-Bank Compatibility Across All 50 States
Enroll with multiple banks and credit unions, and manage all real-time payments through one powerful platform—no matter your business size or type.

Hosted Payment Pages with ISO 20022 Messaging
Create customized hosted payment pages and insert clickable links in Request for Payments (RfP) messages using ISO 20022 formatting. Perfect for payee-initiated transactions.

QuickBooks® Online (QBO) Integration
Sync your transactions in real time with QuickBooks® Online, giving your accountant, bookkeeper, or CFO full control over treasury and reconciliation.

All Merchant Types Accepted
We work with sole proprietors, LLCs, S-Corps, C-Corps, partnerships, and nonprofits. We welcome high-risk industries, Schedule C businesses, and merchants with complex banking needs.

Support for Every Payment Method
Use POS, retail terminals, mobile, text/SMS, email invoicing, and MOTO. Accept payments anytime, anywhere, with full tracking and reporting.

Built-in Treasury and CFO Tools
Get real-time reporting, batch uploads/downloads, alias-based filtering, and downloadable treasury reports that simplify decision-making and internal audits.

What Makes TodayPayments.com Premier

1. We integrate into QuickBooks® QBO – can your bank do this?
2. We provide merchant accounts for both: the FedNow® service and RTP® – can your bank do this?
3. Use us for your multiple FedNow® accounts, even with multiple financial institutions.
4. Create hosted payment pages for ISO 20022 Request-for-Payment (RfP) messages.
5. Provide MIDs for all your email and phone aliases—even 100+!
6. No credit check. No setup fee. High-risk merchants are welcome.
7. Real-time QuickBooks® reconciliation and accounting-friendly features.

Real-Time Solutions for Moving Funds Account-to-Account Using Real-TimePayments.com

Overview: Real-TimePayments.com leverages the FedNow Service and the RTP (Real-Time Payments) network to facilitate instantaneous, secure, and irrevocable B2B transactions. This service is designed to improve cash flow management, enhance operational efficiency, and reduce the risk of fraud for businesses.

Key Features:

1. Instantaneous Fund Transfers: Both FedNow and RTP enable real-time transactions, ensuring that funds are available within seconds of initiating a payment.
2. 24/7 Availability: Transactions can be conducted at any time, including weekends and holidays, providing continuous availability.
3. Security: Enhanced security measures ensure that transactions are secure and irrevocable, minimizing the risk of fraud.
4. Data-Rich Transactions: The ability to include additional remittance information with payments improves transparency and simplifies reconciliation processes.
5. Wide Integration: Integrates seamlessly with various accounting and financial systems, including popular platforms like QuickBooks, facilitating smooth financial operations.

Benefits:

1. Improved Cash Flow Management: Instant access to funds helps businesses manage their liquidity more effectively, ensuring they can meet their financial obligations promptly.
2. Enhanced Efficiency: Automation of payment processes reduces administrative tasks and the potential for human error, leading to more efficient operations.
3. Reduced Fraud Risk: The secure and irrevocable nature of real-time payments provides a significant reduction in fraud risk.
4. Customer Satisfaction: The speed and reliability of payments enhance customer relationships and satisfaction.
5. Cost Savings: While providing faster services, real-time payments can be more cost-effective compared to traditional methods like wire transfers.

Comparison with Same-Day ACH

Same-Day ACH:

• Speed: Provides same-day processing for ACH transactions, faster than standard ACH but not instantaneous.
• Availability: Limited to business hours with specific cutoff times.
• Transaction Limits: Currently has a transaction limit of $1 million.
• Integration: Available to all U.S. banks and credit unions, supporting both credit and debit transactions.
• Benefits: Improved cash flow, reduced late payments, and cost-effective compared to wire transfers.

Real-Time Payments (FedNow & RTP):

• Speed: Offers instantaneous fund transfers, significantly faster than Same-Day ACH.
• Availability: Available 24/7/365, with no limitations on business hours.
• Transaction Limits: Typically supports higher transaction limits and faster processing.
• Integration: Integrates with a wide range of accounting and financial systems.
• Benefits: Enhanced cash flow management, increased operational efficiency, reduced fraud risk, and improved customer satisfaction.

Summary

Real-TimePayments.com provides a robust solution for B2B transactions, leveraging the capabilities of FedNow and RTP to offer instantaneous, secure, and continuous payment services. This platform enhances cash flow management, operational efficiency, and customer satisfaction, making it a valuable tool for businesses looking to streamline their financial processes and reduce fraud risk.

Apply Instantly at TodayPayments.com

If your business is still relying on paper checks, delayed ACH, or outdated bank processors—it’s time to level up to real-time.

With RTP® Real-Time Solutions, you’ll get access to:

✅ Instant payments with FedNow® and RTP®
✅ Alias-based MIDs for 100+ emails and phone numbers
✅ Hosted payment pages for ISO 20022 RfP messaging
✅ Full QuickBooks® Online integration
✅ All merchant types accepted, from Schedule C to S-Corp
✅ Zero bank visits. Zero sign-up fees. Zero delays.