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Recurring FedNow Payments

TodayPayments.com is redefining recurring invoicing for U.S. merchants by delivering fully-automated, alias-based real-time payments across the FedNow® and RTP® networks.
Whether you're invoicing through email, texting pay-by-link messages, or uploading payment files in bulk, we offer unmatched speed, certainty, and compliance—all without relying on outdated banking processes.

We empower your payment stack to operate in real time, across all U.S. states, all financial institutions, and all business models—B2B, C2B, recurring or on-demand.

 

Using Recurring FedNow Payments

%URL% Recurring FedNow Payments In today’s always-on digital economy, recurring payments are no longer limited to ACH and delayed batch transfers. With the introduction of FedNow® and RTP® (Real-Time Payments) networks, U.S. merchants can now send recurring payments in real time using simple digital tools like mobile, SMS, and email.

TodayPayments.com unlocks this potential—allowing you to automate recurring FedNow® payments with file uploads, alias-based payee ID mapping, and ISO 20022 compliance. Now, you can upload .Excel, .XML, or JSON files to initiate real-time credit transactions to any credit union or financial institution, from a single interface.

Modern businesses need modern billing tools. With TodayPayments.com, you can automate recurring real-time payments using digital invoices sent to your clients via smartphone, SMS, email, or mobile links. Whether you're billing B2B clients monthly or collecting weekly payments from C2B customers, we help you get paid instantly—without the wait.

Here's how it works:

  • Use your client’s email or cell phone number as an alias (instead of bank account details).
  • Send recurring invoices via text, email, or mobile link—pre-linked to real-time payment rails.
  • Schedule single or batch transactions using uploaded files (.Excel, .XML, or JSON).
  • All transactions comply with ISO 20022 RfP (Request for Payment) messaging.

No more chasing checks. No more ACH delays. Just real-time revenue, on your terms.

The Future of Recurring Payments with FedNow® RfP The payments industry is rapidly shifting toward instant, flexible, and secure recurring transactions. The FedNow® Service, combined with Request for Payment (RfP), allows payees (service providers) to initiate subscription-based payments, while payers (subscribers) can pre-authorize transactions via Standing Approval Authorization.

This innovation empowers businesses and consumers to streamline A2A (Account-to-Account) payments, ensuring instant settlements without traditional banking delays. Recurring FedNow® Payments eliminate friction, providing a seamless way to handle B2B, B2C, and C2B transactions with the security of ISO 20022 messaging. By leveraging TodayPayments.com, businesses can unlock frictionless subscription models, on-demand billing, and automated invoicing—all powered by FedNow® instant transactions.

Attributes of Recurring FedNow Payments for your business using instant payments

TodayPayments.com gives your accounting and treasury teams direct batch upload access to all major U.S. financial institutions. Whether you're working with a local credit union or a national bank, our platform empowers you to send real-time payments at scale.

Batch Upload Features Include:

  • Upload FedNow® and RTP® files using .Excel, .XML, or JSON formats.
  • Alias mapping: Send payments using a payer’s or payee’s email or mobile number.
  • Configure recurring payments with precise date and amount logic.
  • Compliant with ISO 20022 structured data standards for seamless reconciliation.

From B2B payroll to C2B subscription billing, recurring real-time payments are just a file upload away.

Why Choose TodayPayments.com for Recurring FedNow® and RTP® Payments?

Traditional banks weren’t built for the modern merchant. TodayPayments.com was. We’re the premier U.S. fintech platform offering end-to-end recurring payment automation with unmatched alias flexibility, integration, and reconciliation.

💡 Key Features for U.S. Businesses:

  • ✅ Send recurring invoices by email, SMS, or mobile app
  • ✅ Alias-based payment IDs using phone numbers or email addresses
  • ✅ Upload payment files for batch transactions to any credit union or bank
  • ✅ Process B2B and C2B payments with instant credit and funding certainty
  • ✅ ISO 20022-compliant messaging with digital RfPs
  • ✅ Real-time reporting and automatic reconciliation
  • ✅ No need to visit a bank—sign up online 24/7
  • ✅ QuickBooks® QBO integration for accounting efficiency
 

How Recurring FedNow® Payments Work

Subscription Setup: Payees (Service Providers)

  • Businesses can initiate recurring transactions by sending an RfP to subscribers.
  • Payments occur on a predefined schedule (e.g., monthly, weekly, annually).
  • Dynamic transaction flexibility: Adjust amounts based on service usage.

Standing Approval Authorization: Payers (Subscribers)

  • Subscribers can choose single transaction approvals or ongoing pre-authorization.
  • Two authorization models:
    • Payer Authorizes Each Transaction – Provides control for one-time confirmations.
    • Payer Authorizes Continual Variable Transactions – Allows automated debits with flexible amounts.

"Debit FedNow®" A2A Credit and Debit Transactions

  • Instant account-to-account (A2A) transactions reduce reliance on cards.
  • Supports business-to-business (B2B), consumer-to-business (C2B), and business-to-consumer (B2C) transactions.
  • Secure transactions backed by ISO 20022 financial messaging standards.

Key Benefits of Recurring FedNow® Payments

1. Faster, Real-Time Settlements

  • No waiting for batch processing—funds settle in seconds.
  • 24/7/365 transaction availability (even on weekends and holidays).

2. No More Credit Card Fees

  • Avoid costly interchange fees with direct A2A payments.
  • 100% revenue retention—no deductions from merchant accounts.

3. Enhanced Cash Flow & Predictability

  • Automate recurring payments for steady, predictable revenue streams.
  • No chargebacks, no disputes, just seamless payments.

4. Greater Customer Control & Convenience

  • Payers can choose approval methods—per transaction or continuous authorization.
  • Flexible subscription models keep customers engaged without payment friction.

5. Secure & Compliant Transactions

  • Powered by ISO 20022 messaging for global interoperability.
  • Fraud prevention & compliance ensure safe recurring payments.

Features of FedNow® Recurring Payments with TodayPayments.com

🔹 Seamless Subscription Billing

  • Automate invoice generation and payment collection via FedNow®.
  • Enable real-time payment confirmations without manual processing.

🔹 Variable Payment Authorization

  • Fixed or dynamic billing options for flexible payment amounts.
  • Subscribers can modify or cancel authorizations as needed.

🔹 Multi-Sector Payment Support (B2B, C2B, B2C)

  • Supports businesses, freelancers, service providers, and subscription platforms.
  • Ideal for utilities, SaaS, memberships, insurance, and more.

🔹 Zero Bank Delays, No Chargebacks

  • Direct account transfers eliminate chargebacks and disputes.
  • Transactions process instantly without third-party interference.

Start Accepting Recurring FedNow® Payments Today with TodayPayments.com!

Don’t let outdated payment methods slow down your business! TodayPayments.com makes recurring FedNow® transactions seamless, instant, and cost-effective.

🔹 Sign Up Today & Automate Your Subscription Payments!

👉 Visit TodayPayments.com to get started!

Creation Recurring Request for Payment

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" in Open Banking with Real-TimePayments.com to work with Billers to create the Request for Payment to upload the Biller's Bank online platform. 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", either FedNow or RTP, will be the RtP Hub will be The Clearing House, with messaging to the Debtor's (Payer's) bank. Request for Recurring Payment

ACH and both Instant and Real-Time Payments Request for Payment ISO 20022 XML Message Versions
The versions that NACHA recommends for the Request for Payment message and the Response to the Request are pain.013 and pain.014 respectively. Version 5 for the RfP messages, which The Clearing House Real-Time Payments system has implemented, may also be utilized as there is no material difference in the schemas. Predictability, that the U.S. Federal Reserve, via the FedNow ® Instant Payments, will also use Request for Payment. The ACH, RTP ® and FedNow ® versions are Credit Push Payments.


Payees ensure the finality of Instant Real-Time Payments (IRTP) and FedNow using recurring Requests for Payments (RfP), Payees can implement certain measures:
1.     Confirmation Mechanism: Implement a confirmation mechanism to ensure that each payment request is acknowledged and confirmed by the payer before the payment is initiated. This can include requiring the payer to provide explicit consent or authorization for each recurring payment.

2.     Transaction Monitoring: Continuously monitor the status of recurring payment requests and transactions in real-time to detect any anomalies or discrepancies. Promptly investigate and resolve any issues that arise to ensure the integrity and finality of payments.

3.     Authentication and Authorization: Implement strong authentication and authorization measures to verify the identity of the payer and ensure that only authorized payments are processed. This can include multi-factor authentication, biometric verification, or secure tokenization techniques.

4.     Payment Reconciliation: Regularly reconcile payment transactions to ensure that all authorized payments have been successfully processed and finalized. This involves comparing transaction records with payment requests to identify any discrepancies or unauthorized transactions.

5.     Secure Communication Channels: Utilize secure communication channels, such as encrypted messaging protocols or secure APIs, to transmit payment requests and transaction data between the payee and the payer. This helps prevent unauthorized access or interception of sensitive payment information.

6.     Compliance with Regulatory Standards: Ensure compliance with relevant regulatory standards and guidelines governing instant payments and recurring payment transactions. This includes adhering to data security requirements, fraud prevention measures, and consumer protection regulations.

By implementing these measures, Payees can enhance the finality and security of Instant Real-Time Payments using recurring Requests for Payments, thereby minimizing the risk of payment disputes, fraud, or unauthorized transactions.

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

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