FedNow® Genius – The Smartest Choice for Real-Time Payments
FedNow® Genius is the smart way to process real-time payments. With full support for FedNow®, RTP®, ACH, and card transactions, we make instant bill-pay, merchant aliasing, and multi-bank interoperability seamless—even for high-risk and low-credit businesses. Who’s the genius at your company? It’s the one who signs up.
Be the Smartest Person in the Room—Accept Payments Instantly
Be the Genius Who Solves Payment
Problems Instantly
Tired of slow deposits, paper checks, and
endless bank rejections? It's time to upgrade your payment IQ with
FedNow® Genius—the intelligent platform for smart businesses
who want to process FedNow®, RTP®, ACH, and card payments faster,
safer, and smarter.
Whether you're a startup looking for seamless QuickBooks® integration, a high-risk merchant shut out by traditional banks, or a CFO tired of reconciling across accounts, FedNow® Genius is your all-in-one real-time solution.
Why FedNow® Genius is the Smartest Choice for U.S. Merchants
FedNow ® Genius offers a streamlined way to enroll in and manage payments through FedNow®, RTP®, ACH, and credit cards, all from one dashboard—without ever stepping foot in a bank.
Platform Highlights:
- ✅ Instant onboarding—no bank visit required
- ✅ Free FedNow® and RTP® merchant account applications
- ✅ Alias-based enrollment (cell phone & email instead of full bank data)
- ✅ Support for 100+ MIDs across aliases, emails, and phone numbers
- ✅ Full compatibility with ISO 20022 RfPs
- ✅ QuickBooks® Online integration for automatic reconciliation
- ✅ POS, mobile, email, SMS, and web-based invoicing options
- ✅ Batch uploads/downloads and recurring billing
- ✅ Real-time A2A, B2B, C2B, and ACH payments
- ✅ Built-in support for high-risk and low-credit merchants
From Main Street to Wall Street, FedNow ® Genius is built to help businesses get paid instantly—without gatekeeping.
Genius-Level Payments, No Degree Required
Whether you're the office admin, CFO, or founder—it takes a genius to choose smarter payments.
With FedNow ® Genius, you can:
- Apply free and get approved fast
- Accept all major payment rails in one place
- Manage multiple accounts across banks and aliases
- Send hosted payment pages via SMS, email, or text
- Get your reconciliation done automatically—your bookkeeper will thank you
No paperwork. No credit checks. No waiting.
Ready to outsmart outdated payment
systems?
Visit
TodayPayments.com and join the FedNow
® Genius movement today.
It’s the smartest move your business will make this year.
Creation Request for Payment Bank File
Enhance Your FedNow Genius 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 FedNow Genius payment processing pricing
