Real-Time Payments Gateway


Enroll / Apply with Us for Multiple FedNow® Accounts - Manage Everything with One Secure Login


What Is a FedNow® Merchant Account?

FedNow® Multiple FedNow Accounts Unlock 24/7 Access to Multiple FedNow® Accounts with One Login

The FedNow® Service is revolutionizing instant payments for businesses, enabling seamless and real-time transactions across multiple banks and credit unions. At TodayPayments.com, we streamline your merchant payment experience, allowing you to manage multiple FedNow® accounts with just one secure login.

With our cutting-edge platform, businesses can enroll and consolidate their FedNow® accounts while utilizing mobile numbers or email addresses as transaction identifiers instead of revealing sensitive banking details. Whether you have one or multiple FedNow® accounts across various financial institutions, we provide a single, unified solution for secure, efficient, and cost-effective transactions.

How to Enroll in Multiple FedNow® Accounts

Text Mobile Request for Real-Time Payment

📌 Enroll / Apply with Us for Multiple FedNow® Accounts - Manage Everything with One Secure Login

📌 What Is a FedNow® Merchant Account?

A FedNow® Merchant Account allows businesses to send and receive instant payments via multiple financial institutions in a single, secure interface. No more waiting for ACH delays or relying on traditional banking hours—FedNow® is available 24/7, 365 days a year.

📩 How to Enroll in Multiple FedNow® Accounts

Our TodayPayments.com platform enables businesses to apply for and consolidate FedNow® accounts across different banks and credit unions.

🔐 Alias-Based Transactions for Enhanced Security

Instead of exposing full banking details, businesses can process FedNow® transactions using mobile numbers or email addresses as aliases.


🔄 Key Benefits of Multiple FedNow® Accounts Under One Login

💼 Seamless Account Consolidation

Easily manage multiple FedNow® accounts from different banks and credit unions in a single login portal.

💳 Flexible Merchant ID (MID) Assignments

Create unique MIDs for different branches, departments, or locations to streamline financial transactions.

📊 Custom Hosted Payment Pages

Generate personalized payment pages and send secure FedNow® payment requests via SMS, email, or mobile invoicing.

📈 QuickBooks® Integration for Real-Time Accounting

Sync FedNow® transactions directly with QuickBooks® for automated reconciliation and real-time cash flow tracking.


📜 How to Get Started with Multiple FedNow® Accounts

Visit TodayPayments.com and sign up for your FedNow® merchant account
Use Monikers or Aliases instead of full banking details for added security
Connect multiple financial institutions with just one login
Enjoy real-time payment processing 24/7


💡 Why Choose TodayPayments.com for Your FedNow® Merchant Account?

💲 Lower Transaction Costs

FedNow® bypasses traditional credit card and ACH fees, saving businesses time and money.

Instant, 24/7 Payment Processing

Unlike ACH or wire transfers, FedNow® processes payments in real-time, without banking delays.

🔐 Enhanced Security & Fraud Protection

Alias-based payments reduce the risk of fraud and data breaches, ensuring secure transactions.

 FREE Real-Time Payments Bank Reconciliation%
"FREE" Real-Time Payments Bank Reconciliation – with all merchants process with us. Real-Time Payments Bank Reconciliation

Enjoy free real-time reconciliation to simplify cash flow management for businesses.

📌 Optimized for Multi-Bank Transactions

Handle transactions across different banks and credit unions from one streamlined interface.


📌 Industries That Benefit from FedNow® Merchant Accounts

🛍 E-Commerce & Retail

Accept instant payments for online and in-store transactions without ACH delays.

🏢 Business-to-Business (B2B) Payments

Enable quick settlements between suppliers, wholesalers, and partners.

🔄 Subscription & Recurring Billing

Set up automated instant payments for memberships, SaaS, and billing cycles.

👩‍💻 Freelancers & Contractors

Get paid instantly for services without waiting on checks or ACH deposits.

🚀 High-Risk Merchants & Enterprises

Industries facing banking restrictions can use FedNow® to process payments seamlessly.


🚀 Power Your Business with Multiple FedNow® Accounts

With TodayPayments.com, you can seamlessly manage multiple FedNow® accounts from different financial institutions under a single login.

✔️ Secure, alias-based payments for enhanced protection
✔️ No need to visit banks physically—apply online 24/7
✔️ Lower fees compared to credit cards and ACH payments
✔️ Instant transaction processing for better cash flow
✔️ Streamlined integration with QuickBooks® for real-time reconciliation

📢 Sign up today at TodayPayments.com and start managing your FedNow® merchant accounts effortlessly!

Creation Request for Payment Bank File

Enhance Your Multiple FedNow Accounts 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 Multiple FedNow Accounts payment processing pricing