Doctor FedNow® – Instant Payments for Businesses That Can’t Wait
“Doctor FedNow delivers a healthy dose of instant financial success for every business. From FedNow® to RTP®, we diagnose your payment pain points and prescribe real-time solutions—with zero sign-up fees, multi-rail support, and no bank visit required.”
What Is Doctor FedNow®?
Doctor FedNow Has the Cure for
Payment Delays
Still suffering from slow ACH deposits,
credit card settlement lags, or bank rejections? It's
time for a financial diagnosis from the fintech physician you
can trust—Doctor FedNow®.
With full support for FedNow®, RTP®, ACH, and credit card processing, our platform prescribes real-time solutions for cash flow, onboarding, reconciliation, and recurring payments. Whether you're a high-risk business, multi-division enterprise, or startup seeking speed, Doctor FedNow® is your prescription for financial health.
24 Feature-Rich Benefits 24 Feature-Rich Benefits of Doctor FedNow®
Doctor FedNow® is a modern real-time payment processing platform built for merchants who need fast, guaranteed financial outcomes. With seamless access to FedNow®, RTP®, ACH, and credit card rails, we help you move money instantly, enroll with zero setup fees, and integrate across multiple banks and divisions.
Forget the bank visits. Skip the paperwork. Whether you're a high-risk business or a high-volume operation, Doctor FedNow® gives you real-time financial care, 24/7.
- ✅ Free FedNow® and RTP® applications with zero sign-up fees
- Accept payments via FedNow®, RTP®, ACH, and Credit Cards—all in one dashboard
- Connect to multiple banks and credit unions across all 50 U.S. states
- Hosted payment page link embedded directly in RfPs with ISO 20022 compliance
- Alias-based MID support—use over 100+ email or phone numbers for unique routing
- Recurring billing and one-time payments supported for B2B, B2C, C2B, and A2A
- Batch uploads/downloads for streamlined mass payment operations
- Instant enrollment—no bank visit required
- Real-time reporting and reconciliation built for CFOs and accountants
- QuickBooks® Online integration—automated syncing for every transaction
- POS, MOTO, mobile, email, and text-to-pay invoicing built-in
- Alias-based security for payers and payees using mobile or email
- Support for merchants with poor credit, bad credit, or high-risk products
- Interoperable platform across FedNow®, RTP®, ACH, and cards
- Intelligent treasury tools for real-time decision-making
- Instant payee-initiated payouts with real-time tracking
- Support for ISO 20022 RfP messaging and hosted page links
- Division-friendly—assign separate MIDs for departments or franchises
- Schedule daily recurring payouts at custom intervals
- Guaranteed instant settlement with no chargebacks or holds
- Ideal for subscription models, coaching, legal, crypto, wellness, and more
- Digital paper trail for audits, tracking, and compliance
- 24/7 dashboard access for business owners, bookkeepers, and execs
- White-glove onboarding and real-time support from TodayPayments.com
Doctor FedNow® is the real-time payment solution for business owners who need financial healing fast. We treat the root causes of payment pain—slow settlement, bank rejection, high-risk friction—by prescribing FedNow® and RTP® technology with full ACH and card support, customizable onboarding, and multi-rail integration. Doctor FedNow® offers a healthier way to process—real-time, secure, and inclusive.
- Real-time FedNow® payment processor for high-risk merchants
- Zero-fee RTP® and ACH onboarding for U.S. businesses
- Multi-division merchant accounts with FedNow® and RTP®
- QuickBooks® reconciliation with real-time payments
- ISO 20022 RfP system with hosted payment page
- Instant B2B, B2C, A2A, and recurring payouts
- Apply for FedNow® merchant account with email alias MIDs
- Batch payment uploads and daily billing with instant settlement
- High-risk ACH and credit card payment gateway
- Financial software for faster payments in all 50 states
Get Treated Right at TodayPayments.com
Still relying on outdated ACH and credit card processors? Doctor FedNow® is your upgrade path to full-color, full-speed financial wellness. Whether you run a startup, franchise, or high-risk operation, we prescribe better cash flow, better tech, and better results.
✅ Free FedNow® & RTP® processing
applications – no setup fees
✅ Real-time support for ACH, card,
and alias-based A2A payments
✅ Hosted payment pages inside
every RfP with ISO 20022 standards
✅ Full
QuickBooks® Online
integration
✅ High-risk? Poor credit? Multi-bank? We say YES.
Doctor’s orders: Get paid faster,
safer, and smarter.
Apply now at
https://www.TodayPayments.com
Creation Request for Payment Bank File
Enhance Your Doctor 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.
Contact Us for Doctor Fednow payment processing pricing
