Wow FedNow® – Real-Time Payments with Nationwide Power and Personality
"Wow FedNow® is the real-time payments experience that delivers more than speed—it delivers surprise, satisfaction, and seamless funding. Fully compatible with RTP®, ACH, cards, and ISO 20022 messaging, Wow FedNow® works 24/7 with all 50 states and banks. Whether you're high-risk or high-volume, every payout feels like a "Wow."
What Makes Wow FedNow® Different?
Turn Every Payment Into a “Wow” Moment
In payments, speed matters—but
experience is everything. You deserve a platform that not only
delivers instant results but also makes every transaction feel like
a win.
Introducing Wow FedNow®: a nationwide, no-limits, real-time payment solution that combines FedNow®, RTP®, ACH, and credit card processing with true merchant flexibility. Whether you’re high-risk, high-volume, or highly mobile, we help you get paid in seconds—not days—with zero setup fees, no bank visit required, and total compatibility across all 50 U.S. states.
How Does FedNow WoW!
Wow FedNow® is more than just a processor—it’s an experience. With real-time transactions, multi-bank enrollment, and full ISO 20022 RfP integration, it’s designed for business owners who are ready to move fast and leave ACH in the dust.
Our Mission Statement
Wow FedNow® turns everyday transactions into extraordinary moments. It's more than a payment processor—it’s a real-time, 50-state, always-on experience that supports FedNow®, RTP®, ACH, and credit cards. Whether you’re high-risk, high-growth, or highly mobile, you’ll get powerful funding, easy integrations, and nationwide banking compatibility. With hosted RfPs, ISO 20022 support, and alias-based MIDs, Wow FedNow® is the real-time solution that makes every merchant say... Wow.
- "Wow FedNow® – The Fed Is NOW!"
- "Real-Time Transactions That’ll Make You Say… Wow."
- "From ACH to A2A – Wow FedNow® Dances Across Every Rail."
- "Banked in All 50 States. Now That’s Wow."
Highlights:
- Real-time settlements using FedNow® and RTP®
- Compatible with multiple banks and credit unions
- Embedded hosted payment links in ISO 20022 Request-for-Payments (RfPs)
- One-time, recurring, A2A, B2C, and B2B support
- Alias-based MIDs for 100+ email or phone-based payment identities
Whether you're sending or receiving, Wow FedNow® works 24/7, across state lines and across all major payment rails.
24 Wow-Worthy Features That Define the Platform
Speed & Flexibility
- Real-time RTP® & FedNow® payments—no delays
- ACH, credit card, and A2A compatibility
- Hosted payment page built into every RfP
- Alias-based MIDs: assign over 100+ email/phone identities
- Apply once—connect to multiple banks and credit unions nationwide
High-Risk + Enterprise Ready
- High-risk, bad credit, and startup merchants welcome
- No credit checks, no paperwork, no bank visits
- Process across 50 states, even with different banking partners
- Built for recurring, batch, and subscription billing
- Multi-division and multi-location MID setup support
Finance-Friendly Features
- Real-time QuickBooks® Online integration
- Daily payouts and reconciliation reports
- Hosted RfP links for payee-initiated payments
- ISO 20022-compliant messaging structure
- Real-time alerts, audit-ready logs, and cash flow intelligence
Commerce & Invoicing Power
- Accept payments via mobile, POS, MOTO, email, text, and web
- Instant onboarding via digital application
- Pay suppliers or accept customer payments instantly
- Seamless invoice-to-payment tracking
- Debit payer accounts or allow payee-initiated transfers
Brand Support & Simplicity
- U.S.-based support team ready 24/7
- Fast setup with zero sign-up fees
- Live support for integration and deployment
- Built and powered by TodayPayments.com
Make Every Transaction a Wow Moment at TodayPayments.com
You're done waiting for checks to clear or for ACH to catch up. It's time to move at the speed of business—real-time, nationwide, and Wow-worthy.
✅ Apply instantly with no bank visit
✅ Get real-time FedNow®, RTP®, ACH & credit card support
✅
Accept payments with aliases via phone or email
✅ Enjoy
QuickBooks® sync, ISO 20022 RfPs & full reconciliation
✅ Scale
your business across multiple banks and all 50 states
Sign up today at
TodayPayments.com
Real-Time Payments.
Real Results. Just Wow.
- "Wow FedNow® Speaks ISO 20022, Supports A2A, B2B, and Never Sleeps."
- "No Paper Checks, No Bank Visits. Just Good Funding—Guaranteed."
- "Free FedNow® & RTP® Applications with Zero Setup Fees—Now That’s WOW."
- "Even High-Risk Merchants Get a Wow-Worthy Welcome."
✅ “Tired of Payment Delays?
Say WOW to Real-Time Processing with FedNow®.”
✅
“Sign Up in Minutes. Get Paid in Seconds. That’s the Wow
FedNow® Way.”
✅ “Compatible Across All
Banks and 50 States. Now That’s a Wow.”
✅
“Wow Your Customers. Wow Your Bookkeeper. Wow Yourself—Apply
Today.”
Creation Request for Payment Bank File
Enhance Your Wow 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 Wow FedNow payment processing pricing
