Instant Text Payments Receive and Pay FedNow® A2A, B2B, B2C, C2B
To empower businesses with real-time cash flow certainty by integrating Instant Text Payments and FedNow® A2A, B2B, B2C, and C2B payment rails into QuickBooks®, using ISO 20022 messaging for digital invoicing, mobile settlements, and automated reconciliation.
TodayPayments.com positions itself as the trusted enabler of real-time FedNow® payment processing using SMS-based Request for Payment (RfP) and ISO 20022 messaging. We help businesses digitize receivables, automate reconciliation in QuickBooks®, and collect certified good funds with certainty via Elavon, FedNow®, and seamless file upload capabilities for all U.S. banks and credit unions.
SMS-Powered FedNow® Payments for Real-Time Business Transactions
SMS + FedNow® = Instant Real-Time Payment
Certainty
In today’s fast-paced business environment,
delays in payment collection can cripple cash flow. With Instant
Text Payments powered by FedNow®, your business gains the
ability to send secure payment requests via SMS and receive
instant real-time payments through A2A
(Account-to-Account) transactions. Whether you're billing
customers (C2B), transacting with other businesses (B2B), or
managing internal cash flow, our FedNow® + ISO 20022 + QBO
platform delivers unmatched certainty, automation, and speed.
Automate Invoicing, Receive Good Funds Instantly, and Reconcile in QBO
Compatible Shopping Carts & Payment Gateways
- WooCommerce, Magento, Shopify,
BigCommerce
Compatible with Elavon’s gateway for credit card and FedNow® settlement rails. -
QBO QuickBooks®
Direct plugin/API integration to sync FedNow® payments and invoice statuses. - Mobile and POS Terminals
Accept contactless, mobile wallet, or real-time payments using Elavon devices.
Parameters, Attributes, Benefits and Features
FedNow® Payment Parameters
- Payment Rails: FedNow® A2A, B2B, B2C, and C2B
- Payment Mode: Instant Text Payments via SMS with embedded payment links
- Messaging Standard: ISO 20022 with RfP (Request for Payment)
- File Formats Supported: Excel (.xlsx), XML, JSON
- Payment Types: One-time, recurring, batch upload
- Supported Platforms: Mobile, Online, In-store, QBO QuickBooks®
- Settlement: Instant, irrevocable, real-time (Good Funds)
Attributes
✅ SMS-Enabled FedNow® RfP Transactions
“Instant Text Payments Receive and Pay FedNow® A2A, B2B, B2C, and C2B allows businesses to securely send payment requests via SMS and receive funds instantly into their account—settled in real time with good funds finality.”
✅ Batch Uploads to Banks & Credit Unions Using ISO 20022
“Businesses can upload FedNow® payment files in Excel, XML, or JSON formats to any financial institution using ISO 20022 message specifications for streamlined batch processing and real-time credit settlement.”
✅ One-Time or Recurring Real-Time Payments
“Enable one-time or recurring FedNow® payments with full integration into your QBO ledger, using our SMS invoicing engine or batch file uploader for maximum flexibility and automation.”
✅ Digital Invoicing with ISO 20022 RfP Messaging
“FedNow® payments paired with digital invoicing allow for rich remittance data, ISO 20022 compliance, and final settlement across multiple transaction types—all initiated through a secure SMS link.”
✅ QuickBooks® QBO Integration for AR Automation
“Our flexible gateway lets you receive and apply FedNow® payments directly inside QuickBooks® Online, removing manual steps in AR reconciliation.”
Business Benefits
- “Enable real-time collections with FedNow® Request for Payment via SMS, letting your customers pay in seconds from any mobile device.”
- “Accept FedNow® payments in a variety of formats—A2A, B2B, B2C, or C2B—and batch upload to any bank or credit union using ISO 20022 messaging with Excel, XML, or JSON.”
- “By integrating Elavon with FedNow® and QuickBooks®, your business can accept all major cards and real-time payments with complete visibility and certainty.”
- “Our platform ensures that every transaction—whether initiated via text or invoice—is instantly settled and reconciled within your QBO account.”
- “Reduce chargebacks, eliminate ACH delays, and deliver real-time payments to Payees with guaranteed good funds across all transaction types.”
Join the FedNow® Revolution with TodayPayments.com
Don't wait days for ACH payments or deal with costly chargebacks. With Instant Text Payments powered by FedNow®, you can send RfP messages via SMS, receive irrevocable good funds instantly, and reconcile in QuickBooks® QBO without lifting a finger.
✅ Accept FedNow®, ACH,
credit cards, and mobile wallets
✅ Use ISO
20022-compliant file formats: Excel, XML, JSON
✅
Batch or single payments—real-time, always
✅ Backed by Elavon’s secure processing
infrastructure
Start today at https://www.TodayPayments.com and unlock the power of Instant FedNow® SMS payments for your business.
Creation Request for Payment Bank File
Enhance Your Instant Text Payments 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 "Your Website" - Hosted Payments Page 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 Instant Text Payments payment processing pricing
