Pay With FedNow® – The Ultimate Solution for Fast, Secure Transactions
What is Pay With FedNow®?
Pay With FedNow® – Instant Payments for All
Products, Services & On-Time Deliveries
“The Demand for Faster, More Reliable
Payments”
In today’s fast-paced economy, businesses and
consumers expect immediate transactions—whether they’re purchasing
products, services, or managing wholesale orders. But traditional
payment systems cause delays, high fees, and inefficiencies, slowing
down cash flow and frustrating customers.
💳 Credit card fees eat into
profits.
🏦 ACH and wire transfers take too
long to process.
📦 Delayed payments mean
delayed deliveries and business disruptions.
That’s why businesses across retail, wholesale, and service industries are switching to Pay With FedNow®—a real-time payment system that ensures instant, secure transactions for all purchases, batch processing, and MOTO (Mail Order/Telephone Order) transactions.
No delays. No hidden fees. No banking hours
restrictions.
🚀 Just instant payments,
24/7/365.
Attributes of "Pay with FedNow" for your business using instant payments
Pay With FedNow® is a real-time payment system that allows businesses and individuals to send and receive funds instantly, anytime. Unlike traditional payment methods that rely on batch processing and cut-off times, FedNow® processes payments in seconds, ensuring seamless transactions across all industries.
Key Features of Pay With FedNow®
✅ Instant Fund Transfers
– Payments settle in seconds, not days.
✅
24/7/365 Availability – No waiting for banking hours or
cut-off times.
✅ No Hidden Fees – Lower
transaction costs compared to credit cards and wire transfers.
✅ Secure & Irrevocable Transactions – No
chargebacks, reducing fraud risks.
✅ Works for
All Business Models – Supports retail, wholesale, MOTO,
batch processing, and B2B transactions.
How Pay With FedNow® Benefits All Industries & Transaction Types
1. Instant Payments for Products & Services
💳 Retail & Online Shopping:
Customers can pay instantly without waiting for transaction
approvals.
🛠 Service Providers: Businesses
get paid immediately, improving cash flow.
2. On-Time Deliveries with No Payment Delays
📦 Wholesale & Bulk Orders:
Vendors receive payment instantly, ensuring faster shipping &
fulfillment.
🚛 Logistics & Supply Chain:
Real-time payments eliminate shipping holds due to delayed
transactions.
3. Supports Batch Processing & MOTO Transactions
📑 Batch Payments:
Businesses can process multiple payments at once with
real-time settlements.
📞 Mail Order/Telephone
Order (MOTO) Transactions: Accept secure, instant payments
for remote orders.
4. Eliminates Credit Card Fees & Reduces Costs
💰 No more 2-4% transaction
fees on every sale.
💡 Save thousands
annually with direct bank payments via FedNow®.
5. Works for Both Retail & Wholesale Businesses
🏪 Retail Businesses:
Accept instant payments at POS terminals and online checkouts.
🏢 Wholesale Suppliers: Receive large B2B
payments instantly without waiting for bank approvals.
Why Pay With FedNow® is Better Than Traditional Payment Methods
Comparison Table: FedNow® vs. ACH vs. Credit Cards
|
Feature |
Pay With FedNow® |
ACH Transfers |
Wire Transfers |
Credit Cards |
|
Processing Speed |
Instant (Seconds) |
1-3 Business Days |
Same Day (Cut-off Times) |
1-3 Business Days |
|
Availability |
24/7/365 |
Business Days Only |
Business Days Only |
24/7, but slow settlement |
|
Transaction Fees |
Low or None |
Varies by Bank |
High Fees ($15-$50) |
2-4% Per Transaction |
|
Chargebacks Allowed? |
No |
Possible Reversals |
Possible Reversals |
Yes |
💡 The verdict? Pay With FedNow® is the fastest, most secure, and cost-effective payment solution available today.
How to Start Using Pay With FedNow®
Step-by-Step Guide to Instant Payments
✅ Step 1: Check if
Your Bank Supports FedNow®.
✅ Step 2:
Enable FedNow® for Your Business or Personal Banking.
✅ Step 3: Set Up Instant Payments for
Retail, Wholesale, or Service Transactions.
✅
Step 4: Start Sending & Receiving Real-Time
Payments—24/7/365!
🔹 Whether you’re a retailer, supplier, service provider, or wholesaler, it’s time to upgrade to instant payments.
Attributes:
"How to use Pay With FedNow®
for retail, wholesale, and services"
"Pay
With FedNow® vs. ACH vs. credit cards: What’s the best option?"
"How businesses can save money with Pay With
FedNow® instant payments"
"Fastest way to
send and receive payments for products & services"
"How
Pay With FedNow® supports batch processing and MOTO transactions"
Make the Switch to Pay With FedNow® Today!
💡 Why wait for slow payments when you can process transactions instantly?
Retailers & Merchants:
Accept instant payments with no credit card fees.
Wholesalers & Suppliers: Receive large payments
instantly, ensuring faster shipping.
Service
Providers: Improve cash flow by getting paid the moment
a job is done.
Banks & Financial Institutions:
Offer your customers the fastest, most secure payment option
available today.
🔹 Speed. Security. Savings. That’s Pay With FedNow®.
🚀 Talk to us today and start using Pay With FedNow® for real-time transactions!
Creation Request for Payment Bank File
Enhance Your Pay With 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.
Each day, thousands of businesses around the country are turning their transactions into profit with real-time payment solutions like ours.
Contact Us for Pay With FedNow payment processing pricing
