
Free FedNow® Service Instant Payments with Request for Payment (RfP) Digital Invoicing
How the FedNow® Service with RfP Invoicing Improves Business Operations
The Future of B2B Payments with FedNow®
Service
In today’s digital economy, businesses demand
instant, secure, and cost-effective payment solutions to
streamline cash flow and reduce operational costs. The FedNow®
Service delivers real-time payments (RTP), eliminating
delays and inefficiencies in traditional transactions. What’s even
better? Businesses can now leverage Request for Payment (RfP)
digital invoicing with zero processing fees, thanks to
the payer-pays-the-fee model.
With instant settlements, seamless invoicing integration, and 24/7/365 availability, the FedNow® Service revolutionizes B2B transactions, making it easier than ever to get paid fast, securely, and at no cost to the merchant.
Request for Payment (RfP) Digital Invoicing for B2B Transactions

Free FedNow® Service Instant Payments with Request for Payment (RfP) Digital Invoicing
Why Businesses Are Switching to FedNow® Service
The FedNow® Service allows businesses to send and receive instant payments with zero transaction fees. By utilizing Request for Payment (RfP) invoicing, businesses can streamline B2B transactions while eliminating credit card fees, chargebacks, and lengthy bank processing times.
With its real-time settlement capabilities, the FedNow® Service ensures merchants receive payments instantly rather than waiting days for funds to clear.
Key Benefits of FedNow® Service & RfP Digital Invoicing
✅ Zero Transaction Fees – Payer Covers Processing Costs
- Businesses no longer pay high credit card processing fees.
- The payer absorbs the transaction fees, allowing merchants to receive 100% of their invoice amount.
- Eliminates traditional 2.5% - 3.5% credit card fees on every transaction.
✅ Instant Payments & No Banking Delays
- Payments settle immediately, ensuring cash flow predictability.
- No ACH delays, wire transfer holds, or credit card processing wait times.
- Funds are directly deposited into your bank account in seconds.
✅ Request for Payment (RfP) Digital Invoicing for B2B Transactions
- Businesses can send digital invoices through RfP, enabling clients to pay instantly.
- Automated invoicing and reconciliation with accounting platforms.
- Eliminates the need for paper invoices, reducing processing time and errors.
✅ 24/7/365 Payment Availability
- Unlike traditional bank transactions that depend on business hours, FedNow® operates 24/7/365.
- Accept payments anytime, even on weekends and holidays.
✅ Enhanced Security & Fraud Protection
- End-to-end encryption protects against fraud and unauthorized transactions.
- Irreversible payments reduce chargebacks and disputes, unlike credit cards.
- Stronger authentication prevents payment fraud in B2B transactions.
How the FedNow® Service with RfP Invoicing Improves Business Operations
🎯 Faster Business-to-Business (B2B) Payments
- Suppliers and vendors receive payments instantly, improving liquidity.
- No need for checks, ACH, or bank wires that take days to process.
🛍️ Ideal for Retailers & E-Commerce Merchants
- Accept real-time payments without incurring transaction fees.
- Improve customer checkout experiences with instant payment confirmation.
📈 Perfect for Subscription & Recurring Billing
- Automate recurring invoices using Request for Payment (RfP).
- No failed transactions due to insufficient funds or bank processing delays.
🏦 Optimized Payroll & Employee Compensation
- Pay employees, freelancers, and gig workers instantly via FedNow®.
- Reduce payroll costs by eliminating direct deposit fees.
Transform Your Business Payments with FedNow® & TodayPayments.com
Are you ready to eliminate payment processing fees and get paid instantly? Upgrade to the FedNow® Service and experience the benefits of real-time payments with RfP invoicing today!
🚀 Eliminate
transaction fees with the payer-pays-the-fee model
🚀 Instantly settle payments, no more
waiting days for funds
🚀 Automate
invoicing with digital RfP requests
🚀
Secure, fraud-resistant, and 24/7 accessible
Sign up with TodayPayments.com and start accepting free instant payments with FedNow®!
Creation Request for Payment Bank File
Enhance Your Free FedNow Service 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 Free FedNow Service payment processing pricing