Hi FedNow

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


Hi FedNow® – Real-Time Payment Processing That’s Warm, Fast, and Fully Compatible

"Hi FedNow® is the friendly, fast-talking fintech for real-time payments. We don’t waste time or words. We deliver RTP®, FedNow®, ACH, and card transactions faster than you can say “invoice paid”—and we welcome everyone, even high-risk and credit-challenged merchants. Say hi to your new favorite payment processor."

What Is Hi FedNow®?

FedNow® Hi FedNow We Just Met, But Hi FedNow® Already Gets You

It’s rare to meet a payment processor that feels like a good conversation: clear, direct, and genuinely helpful. That’s exactly what you get with Hi FedNow®—a warm, human-first payment platform that delivers FedNow®, RTP®, ACH, and credit card transactions in real-time.

No judgment. No delay. No complex onboarding.
Just a simple "hi," followed by instant approvals and faster funding.

If your business needs recurring payments, merchant accounts with multiple banks, or support across 50 states—including high-risk categories—you’re already in the right place.

How Process Instant Real-Time Payment with FedNow®

Text Mobile Request for Real-Time Payment

Hi FedNow® is a modern, friendly payment platform built for real-time financial connections. With built-in support for FedNow®, RTP®, ACH, and credit card payments, it’s perfect for merchants who want reliability, speed, and actual conversation—not just code.

  • "Hi FedNow®—We Just Met, But You’re Speaking My Language."
  • "You Look Fast, Talk Straight, and Move Real Money."
  • "Let’s Make This a Recurring Relationship."
  • "From One Friendly Invoice to a Lifetime of Payments—Hi, FedNow®."

From first invoice to recurring billing, Hi FedNow® gives you the freedom to manage payments across multiple banks, credit unions, and channels, with zero setup fees and maximum compatibility.

24 Smart Features That Make Hi FedNow® a Long-Term Partner

  1. Free applications for FedNow® & RTP® merchant accounts
  2. Support for multiple banks and credit unions in all 50 U.S. states
  3. Alias-based MIDs tied to emails and mobile numbers (100+ supported)
  4. Recurring payment and subscription billing built-in
  5. Accept FedNow®, RTP®, ACH, and credit cards in one place
  6. Custom hosted payment pages linked in ISO 20022 RfPs
  7. Real-time QuickBooks® integration for syncing and reconciliation
  8. Batch upload/download tools for volume billing
  9. Alias-based security with instant identity verification
  10. Instant A2A, B2B, B2C, and C2B payment support
  11. Zero chargebacks and no return risks
  12. Support for legally high-risk and bad credit merchant accounts
  13. Payee-initiated transactions with real-time settlement
  14. Dashboard with instant payment tracking
  15. POS, mobile, text, email, MOTO, and web invoice support
  16. Hosted Payment Page embedded directly in Request-for-Payments
  17. Real-time reconciliation tools for CFOs, bookkeepers, and treasurers
  18. Multiple MIDs for divisions, franchises, or subsidiaries
  19. Personalized merchant onboarding with no bank visit required
  20. One-time and recurring payments scheduled by date or invoice
  21. ISO 20022 RfP system with dynamic hyperlink insertion
  22. Fully interoperable payment infrastructure (FedNow®, RTP®, ACH, Card)
  23. High-volume business compatibility with flexible payment flows
  24. Friendly support team that speaks your language, not just jargon

Our Mission Statement

Hi FedNow® is the warmest way to send and receive real-time payments.
More than a platform, it’s a conversation—built on trust, powered by speed, and open to everyone. From the first invoice to your hundredth recurring payment, Hi FedNow® is the processor that always says yes—especially when others say no.

Say Hi to Real-Time Payments at TodayPayments.com

Your business deserves a payment platform that’s fast, friendly, and flexible.

Hi FedNow®, powered by TodayPayments.com, is exactly that.

Apply once—get instant access to FedNow®, RTP®, ACH & Card processing
No setup fees, no bank visit, and no chargebacks
Serve all 50 states with MIDs for each email, number, or business unit
Real-time reconciliation and full ISO 20022 RfP support
High-risk, poor credit, recurring, and subscription models welcome

Start your new payment relationship today at https://www.TodayPayments.com

What we do:

  • Friendly payment platform for FedNow® and RTP® merchant onboarding
  • Zero setup fee real-time payment processor for high-risk merchants
  • ISO 20022 request-for-payment processor with hosted payment page integration
  • Multiple MIDs using email or mobile numbers for U.S. merchants
  • Process FedNow®, RTP®, ACH, and card payments with real-time reconciliation
  • Batch processing and recurring payments with instant funding
  • Apply online for FedNow® processing with no bank visit
  • Real-time A2A, B2C, C2B payments for digital-first and multi-channel businesses
  • QuickBooks® integrated payment platform for small and enterprise merchants
  • Invoice and bill pay processor compatible with legally high-risk categories
  • "Compatible with FedNow®, RTP®, ACH, and Cards—Say Hi to Interoperability."
  • "Free FedNow® and RTP® Applications—No Setup Fees. Ever."
  • "Real-Time Funding Between Payer and Payee—Without the Bank Runaround."
  • "High-Risk Merchants Welcome—We Say Hi When Others Say No."

Creation Request for Payment Bank File

Enhance Your Hi 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 Hi FedNow payment processing pricing