Real-Time Services

Real-Time Merchant Accounts with RTP® and FedNow®

A Platform Built for Instant Payments Across America

With TodayPayments.com, you can access Real-Time Payments (RTP®) and The FedNow® Service using our streamlined application process. We help your business get approved for merchant accounts across multiple banks and credit unions—without ever walking into a branch.

Alias-Based Identity Management

Instead of exposing complete financial data, use your company cell phone number or email address as a secure alias or moniker. This lets you initiate payments safely, quickly, and from any device, while still complying with banking rules.

Support for Every Business Type

Whether you're a sole proprietor, LLC, or C-Corp, we take every legal entity—no credit checks, no bank visits. Our fintech software connects to your preferred payment methods: POS, retail, wholesale, MOTO, or digital invoicing via text, email, or SMS.

Key Features, Benefits & Long-Tail Value

Fully Integrated with QuickBooks® QBO

We integrate seamlessly with QuickBooks® Online—automatically syncing your real-time payment transactions with your accounting system.

Hosted Payment Pages with ISO 20022 RfP Compatibility

We create customized Hosted Payment Pages linked to ISO 20022-compliant Request-for-Payment (RfP) messages. Just insert your payment link and get paid instantly.

Support for Multiple Financial Institutions

Manage real-time payments through FedNow® and RTP® with multiple banks, credit unions, and depository institutions—nationally and simultaneously.

Unlimited Aliases = Unlimited MIDs

Have 10, 50, or even 100+ email addresses or phone numbers? We’ll provide a unique MID (Merchant ID) for each one and help consolidate them under one dashboard.

Free Real-Time Treasury Tools

Real-time reconciliation tools are included at no cost. Your bookkeeper, treasurer, or CFO will love our daily synced dashboards, financial exports, and auto-matched deposits.

Why TodayPayments.com is the Premier Choice

One Application, Unlimited Payment Rail Access

FedNow®, RTP®, ACH, and Credit Cards—all in one easy merchant setup. Apply once, and you’re ready to process instantly.

FedNow® + RTP® Account Access Across All 50 States

We serve every U.S. business, regardless of your state, industry, or banking history.

High-Risk and Low-Credit Welcome

Even if you’ve been denied before, we’ll help you process legally with full compliance and no hidden fees.

Same-Day ACH (Same-DayACH.com) Features and Benefits

Features:

1. Speed: Enables same-day processing of ACH (Automated Clearing House) payments, allowing for quicker fund transfers compared to standard ACH transfers which usually take 1-3 business days.
2. Accessibility: Available to all U.S. banks and credit unions, making it widely accessible for various types of businesses.
3. Flexibility: Supports both credit and debit transactions, providing versatility for different payment needs.
4. Limit Increase: As of March 2022, the Same-Day ACH transaction limit was increased to $1 million, enhancing its utility for larger transactions.
5. Cutoff Times: Typically has two processing windows during the day, allowing for flexibility in submission times.

Benefits:

1. Improved Cash Flow: Faster access to funds helps businesses manage their cash flow more efficiently.
2. Enhanced Customer Experience: Quicker payment processing leads to better customer satisfaction.
3. Reduced Late Payments: Faster transactions can help reduce the incidence of late payments and associated penalties.
4. Cost-Effective: While faster than traditional ACH, it remains cost-effective compared to wire transfers.

Real-Time Payments (Real-TimePayments.com) for FedNow & RTP

Features:

1. Instantaneous Transfers: Provides real-time, immediate fund transfers 24/7/365, unlike Same-Day ACH which has specific cutoff times.
2. Security: Transactions are secure and irrevocable, reducing the risk of fraud and ensuring certainty of payment.
3. Data Rich Transactions: Allows for the inclusion of additional remittance information with transactions, improving transparency and reconciliation processes.
4. Wide Integration: Can integrate with various accounting and financial systems, including popular platforms like QuickBooks.

Benefits:

1. Always Available: Transactions can be initiated and completed at any time, providing unparalleled convenience.
2. Enhanced Cash Flow Management: Immediate access to funds enhances liquidity and cash flow management.
3. Increased Efficiency: Streamlines payment processes, reducing the administrative burden and potential for errors.
4. Fraud Reduction: The irrevocable nature of transactions helps mitigate fraud risk.
5. Customer Satisfaction: The speed and reliability of payments can significantly improve customer relations and satisfaction.

Comparison

• Speed: Real-Time Payments (FedNow & RTP) offer instantaneous transfers, while Same-Day ACH completes transactions within the same business day.
• Availability: Real-Time Payments are available 24/7/365; Same-Day ACH is limited to business hours with specific cutoff times.
• Transaction Limits: Real-Time Payments typically support higher transaction limits and faster processing, while Same-Day ACH has a limit of $1 million per transaction.
• Security: Both systems are secure, but Real-Time Payments' irrevocable nature provides additional fraud protection.

Conclusion

Start Real-Time Processing Today—No Bank Visit Required

RTP® Real-Time Services with TodayPayments.com are built for speed, scale, and simplicity.

• Apply online in minutes—no credit checks
• Accept real-time payments from any bank in the U.S.
• Customize payment pages and track every deposit instantly
• Integrate with QuickBooks® QBO and automate reconciliation
• Serve B2B, C2B, A2A, and high-risk customers without restrictions

Visit https://www.TodayPayments.com now and unlock RTP® and FedNow® Real-Time Services that work 24/7, across every bank, every customer, and every payment type.

Because when your business moves in real time, your growth becomes unstoppable.