Hello FedNow

Biller's login - Hosted Payments Page
Real-Time Payments Gateway


Hello FedNow® – Your Friendly Fintech for Instant Payment Processing

"Hello FedNow® isn’t just a fintech processor—it’s your new best friend in real-time payments. We speak clearly, move quickly, and connect merchants with instant FedNow® and RTP® transactions, with zero setup fees. Whether you're high-risk, low-credit, or high-volume, we’re compatible—and here for the long run."

What Makes Hello FedNow® Different?

FedNow® Hello FedNow Say Hello to Real-Time Payments That Actually Feel Human

Let’s face it—most payment processors feel cold, complicated, and stuck in the past. Not Hello FedNow®.

This is a fintech solution that talks like a person, acts instantly, and works across all 50 states. Whether you’re running a startup, managing a high-risk business, or need real-time reconciliation and recurring payments, Hello FedNow® is here to say one thing loud and clear:

“Hi. You’re approved. And your payment just landed.”

How to enroll FedNow® & RTP® Merchant Accounts

Text Mobile Request for Real-Time Payment
  • "Hello FedNow®, You’re Looking Good—and Moving Fast!"
  • "We Just Met, But I Know This Is Going to Be a Long-Term Payment Friendship."
  • "Say Hello to Instant Transactions with FedNow®, RTP®, ACH & More."
  • "Hi There, Merchant. Let’s Get You Paid in Seconds."

Target Audiences

The Relationship-Driven Merchant

Wants trust, transparency, and a long-term partnership—not just a processor.

The High-Risk Business Owner

Has been turned away before, but is ready to say “hello” to a second chance.

The Recurring Services Biz

Subscription-based or monthly billers looking for reliability + instant settlement.

The Startup CFO

Needs speed, ISO 20022 support, and clean integration—all without red tape.

Hello FedNow® is a warm, reliable real-time payment platform that delivers instant transactions through FedNow®, RTP®, ACH, and credit card rails, while supporting high-risk businesses, bad credit applicants, and multi-MID setups with banks across all U.S. states.

Built for trust and simplicity, Hello FedNow® removes friction, adds personality, and delivers funds to your account faster than any bank-based solution can.

24 Friendly Features That Power Hello FedNow®

  1. FedNow® & RTP® Merchant Accounts — Instant Application, Free Setup
  2. Access to Multiple Banks and Credit Unions Across All 50 States
  3. Alias-Based Security with Email or Cell Number = Unique MID
  4. Accept ACH, Cards, FedNow® & RTP® All in One Place
  5. Recurring Billing Support Built-In
  6. Custom Hosted Payment Pages with ISO 20022 RfP Compatibility
  7. Batch Upload/Download for High-Volume Operations
  8. QuickBooks® Online Integration for Real-Time Syncing
  9. Real-Time Reconciliation Tools for CFOs & Bookkeepers
  10. Instant B2B, B2C, C2B, and A2A Payments
  11. POS, Mobile, MOTO, Text & Email Payment Support
  12. Supports Over 100 MIDs per Merchant—Perfect for Subsidiaries & Staff
  13. Zero Chargebacks. No Returns. Just Real-Time Results
  14. No Bank Visit Required—Apply & Get Started Online
  15. High-Risk & Bad Credit Merchants Approved Daily
  16. Perfect for Recurring Services, Subscription Brands, Coaches, and SaaS
  17. Payee-Initiated Payments with Date-Based Scheduling
  18. Alias Privacy for Payment Transparency & Security
  19. Request-for-Payments (RfPs) with Embedded Payment Links
  20. Faster Fund Movement for Treasury Optimization
  21. Complete Interoperability with All Payment Types
  22. Real-Time Identity Confirmation of Payer and Payee
  23. Clean UI Dashboard That’s Actually Fun to Use
  24. Real People, Real Support, Real-Time Payments—All Day, Every Day

Our Mission Statement

Hello FedNow® is the real-time payment platform that says goodbye to frustration and hello to funding. Built for merchants who want clarity, speed, and a processor that actually understands people, Hello FedNow® bridges the gap between powerful fintech and friendly service.

“We just met, but this is going to be a long-term payment friendship.”

Say Hello to Instant Funding at TodayPayments.com

Ready for a payment processor that’s friendly, fast, and fully real-time?

Hello FedNow®, powered by TodayPayments.com, gives you the flexibility, speed, and support you’ve been waiting for—with zero sign-up fees, no bank delays, and 100% human-friendly onboarding.

- Get real-time access to FedNow®, RTP®, ACH & Card Processing
- Apply online—no bank visit required
- Set up MIDs using your email or phone (up to 100+)
- Launch recurring billing, hosted payment pages & more
- Sync instantly with QuickBooks® and stay audit-ready

Say hello to your new favorite payment processor.
 Visit https://www.TodayPayments.com
and start your real-time payments journey—friendly, fast, and funded.

What we do:

  • Friendly real-time payment processor for small businesses
  • FedNow® and RTP® merchant accounts for high-risk and low-credit merchants
  • Apply for free real-time payment processing with no bank visit
  • ISO 20022 RfP-compatible payment links for instant transactions
  • Recurring billing platform with FedNow® and ACH support
  • Merchant accounts across multiple U.S. banks and credit unions
  • Email-based or phone-based MIDs with instant settlement
  • QuickBooks® integration with real-time FedNow® reconciliation
  • Hosted payment page generator for B2B and C2B invoicing
  • Payment platform for bad credit, recurring services, and digital-first businesses
  • "Compatible with RTP®, FedNow®, ACH & Cards—Fully Integrated, Fully Real-Time."
  • "Free FedNow® & RTP® Processing Apps—No Setup Fees. Ever."
  • "Recurring Transactions? Meet Your New Favorite Processor."
  • "High-Risk and Low Credit? No Judgments—Just Instant Funding."

✅ “Say Hello to Faster Payments—Apply in Minutes, Get Paid in Seconds.”
✅ “Zero Sign-Up Fees. Full Compatibility. 100% Friendly.”
✅ “We’re Built for Recurring, Fast-Funding Friendships.”
✅ “Don't Get Ghosted by Your Processor—Say Hello to Instant Funding with FedNow® & RTP®.”

Creation Request for Payment Bank File

Enhance Your Hello 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.

Request for Payment



... 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 Hello FedNow payment processing pricing