High-Speed Internet Credit Card Payment Gateway – Secure Digital Transactions

Accelerate Sales with Seamless Multi-Channel Credit Card Processing

Comprehensive Small Business Credit Card Processing – Secure & Rapid Digital Transactions

Increase your revenue by leveraging our small business credit card processing solutions, designed to offer fast and secure online transactions. Our high-speed gateway provides rapid transaction approvals while incorporating advanced fraud protection to minimize chargebacks and unauthorized access. Seamlessly integrated across websites, mobile apps, and eCommerce platforms, our system ensures an exceptional digital checkout experience for your customers. Enjoy enhanced customer satisfaction and streamlined payment processes that drive growth and boost profit margins.

Our solution features real-time transaction tracking and automated reporting to keep your cash flow and financial performance in check. By reducing operational costs with competitive processing fees, you can maximize revenue while maintaining high security standards. With multi-channel support, our credit card processing system delivers a frictionless experience across all digital channels. Elevate your digital commerce capabilities and build lasting customer trust with every secure, rapid payment processed.

Creation Request for Payment Bank File

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 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.