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FedNow Batches

TodayPayments.com is the real-time payments engine built for modern merchants, platforms, and credit unions. With FedNow® and RTP® RfP batch uploads, full support for ISO 20022 file formats, and delivery across mobile, text, and digital invoicing, we power certainty and instant funding—whether you're processing one transaction or one million. Batch it. Reconcile it. Fund it. In real time.

 

FedNow® & RTP® RfP Batch Uploads: Real-Time Payments to Every Credit Union

FedNow Batches Real-time payments aren’t just the future—they’re already revolutionizing how credit unions and businesses move money. From one-time invoices to recurring subscriptions and payroll runs, FedNow® and RTP® support batch-based and real-time payment workflows that are fast, secure, and reliable. At TodayPayments.com, we’ve made it seamless to import and upload RfP files in batches—delivering payment certainty, instantly, to any U.S. credit union or financial institution.

Whether you're a fintech, biller, or enterprise merchant, FedNow® and RTP® Request for Payment (RfP) technology allows you to send payment requests for individual or batch transactions with unmatched speed and accuracy.

TodayPayments.com makes it simple to:

  • Upload batch files to any U.S. credit union or bank
  • Import RfP files in ISO 20022, Excel, XML, or JSON
  • Support C2B and B2B real-time payment flows
  • Enable single or recurring payment requests with real-time funding certainty

Credit unions benefit from streamlined uploads, while Payees enjoy transparent, fast, and compliant payment processing.

Support for One-Time and Recurring Payments Across All File Types

At TodayPayments.com, you’re not locked into rigid formats or workflows. We support flexible payment logic and reconciliation through a wide range of industry-standard file types that include:

  • 📂 .Excel for accounting simplicity
  • 🔄 .XML for deep ERP and core banking integration
  • 🔗 .JSON for API and platform-level automation

Each file can contain structured ISO 20022-compliant data, ensuring real-time matching of invoices, customer IDs, and remittance detail.

Perfect for:

  • Subscription billing
  • Payroll disbursements
  • Utility payments
  • Vendor settlements
  • Government stipends and grants

You can upload FedNow® and RTP® RfP batches to any credit union—with or without previous banking integration.

Mobile, Text, and Digital Invoicing: Deliver Certainty with Every RfP

Our RfP system integrates with mobile phones, SMS, email invoicing, and APIs, making it incredibly easy for customers to receive a payment request and authorize it on the spot.

✔️ One-time payment? Instant.
✔️ Recurring invoice? Pre-scheduled and acknowledged.
✔️ Large batch run? Reconciled instantly with ISO 20022 precision.

Each request comes with funding confirmation and transparency built in—so you, your customers, and your accounting team are always in sync.

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

To support merchants and finance teams of all sizes, TodayPayments.com offers free downloadable templates, including:

  • Aging Accounts Receivable Worksheet: Pre-built with 15, 30, 60, 90+ day tracking
  • Bank Reconciliation Templates: Instantly match payments with deposits across batches
  • ISO 20022 File Format Samples: Plug-and-play structures for batch uploads and RfP message testing
 

To create, import, upload, and download batches of files for FedNow instant transactions, you typically need to follow these general steps:

  1. Prepare Transaction Data:
    • Organize your transaction data into a format compatible with FedNow specifications. This could be CSV, XML, JSON, or another format specified by FedNow.
    • Ensure that each transaction record includes all necessary information such as sender account details, recipient account details, transaction amount, timestamp, and any additional required fields.
  1. Create Batch File:
    • Compile multiple transaction records into a single batch file. This batch file will contain all the transactions you want to process together.
    • Ensure the batches files adheres to the file format requirements specified by FedNow.
  1. Upload Batches Files:
    • Access the FedNow platform or the interface provided by your financial institution for uploading batches files.
    • Follow the provided instructions to upload the batch file. This may involve logging into an online portal or using an API provided by FedNow.
  1. Validation and Processing:
    • Once the batch file is uploaded, FedNow will validate the data to ensure it meets the required standards and format.
    • If the data passes validation, FedNow will begin processing the transactions in real-time.
    • During processing, you may receive notifications or updates on the status of each transaction.
  1. Confirmation and Reporting:
    • After processing is complete, you'll receive confirmation of the successful execution of the transactions.
    • Depending on the FedNow platform or your financial institution, you may have access to transaction reports or logs detailing the processed transactions. You can download these reports for record-keeping and reconciliation purposes.
  1. Download Reports:
    • If available, access the reporting section of the FedNow platform or your financial institution's portal.
    • Generate and download reports containing details of the processed transactions. These reports may include information such as transaction IDs, timestamps, sender and recipient details, amounts, and status.
  1. Reconciliation and Record-keeping:
    • Use the downloaded reports to reconcile transactions with your internal records.
    • Maintain records of the processed transactions for auditing and compliance purposes.

It's essential to refer to the specific documentation and guidelines provided by FedNow or your financial institution for detailed instructions on creating, uploading, and downloading batch files for instant transactions. These instructions may vary depending on the platform or system you're using and any specific requirements imposed by FedNow or your financial institution.

Upload Batches, Send RfPs, and Get Paid Instantly—Only at TodayPayments.com

Ready to move your payments into real-time? Tired of clunky reconciliation, banking delays, or rigid batch uploads?

At TodayPayments.com, we give you:

✅ Seamless FedNow® & RTP® batch uploads to all U.S. credit unions
✅ Real-time Request for Payment (RfP) delivery with mobile, text, or email integration
✅ File compatibility with Excel, XML, JSON, and ISO 20022
✅ Certainty, speed, and funding visibility in every transaction

🚀 Whether you're sending one payment or thousands—you’re always in control.

👉 Start sending real-time payments that actually deliver.
Visit TodayPayments.com and take control of your payment future.

Creation Request for Payment Bank File

Call us, the .csv and or .xml Request for Payment (RfP) file you need while on your 1st phone call! We guarantee our reports work to your Bank and Credit Union. We were years ahead of competitors recognizing the benefits of RequestForPayment.com. We are not a Bank. Our function as a role as an "Accounting System" with Real-Time Payments to work with Billers / Payees to create the Request for Payment to upload the Biller's Bank online platform. U.S. Companies need help to learn the RfP message delivering their bank. Today Payments' ISO 20022 Payment Initiation (PAIN .013) shows how to implement Create Real-Time Payments Request for Payment File up front delivering a message from the Creditor (Payee) to it's bank. Most banks (FIs) will deliver the message Import and Batch files for their company depositors for both FedNow and Real-Time Payments (RtP). Once uploaded correctly, the Creditor's (Payee's) bank continues through a "Payment Hub", with messaging to the Debtor's (Payer's) bank. Request for Payment

... easily create Real-Time 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.

Pricing with our Request For Payment Professionals

hand shake

 1) Free ISO 20022 Request for Payment File Formats, for FedNow and Real-Time Payments (The Clearing House) .pdf for you manually create "Mandatory" (Mandatory data for completed file) fields, start at page 4, with "yellow" highlighting. $0.0 + No Support


2) We create .csv or .xml formatting using your Bank or Credit Union. Create Multiple Templates. Payer / Customer Routing Transit and Deposit Account Number may be required or Nickname, Alias to import with your bank. You can upload or "key data" into our software for File Creation of "Mandatory" general file.

Fees = $57 monthly, including Support Fees and Batch Fee, Monthly Fee, User Fee, Additional Payment Method on "Hosted Payment Page" (Request for file with an HTML link per transaction to "Hosted Payment Page" with ancillary payment methods of FedNow, RTP, ACH, Cards and many more!) + $.03 per Transaction + 1% percentage on gross dollar file,


3) We add a URI for each separate Payer transaction. Using URI, per transaction, will identify and reconcile your Accounts Receivable.

Fees Above 2) plus $29 monthly additional QuickBooks Online "QBO" formatting, and "Hosted Payment Page" and WYSIWYG


4) Above 3) plus Create "Total" (over 600 Mandatory, Conditional & Optional fields of all ISO 20022 Pain .013) Price on quote.

Each day, thousands of businesses around the country are turning their transactions into profit with real-time payment solutions like ours.

Start using our Bank Reconciliation and Aging of FedNow Accounts Receivable:

FedNow Batches Bank Reconciliation

 Dynamic integrated with FedNow & Real-Time Payments (RtP) Bank Reconciliation: Accrual / Cash / QBO - Undeposited Funds


Contact Us for Request For Payment payment processing