Consolidate FedNow® – One Platform for All Your Payment Rails
“Consolidate FedNow” is your one-stop fintech gateway to enroll, manage, and process FedNow®, RTP®, ACH, and credit card payments—all in one place, all in real time—even across multiple banks or aliases.
Consolidate FedNow — Secure. Interoperable. Instant.
Why Consolidation Is the Future of
Real-Time Payments
Managing multiple bank accounts, aliases,
or merchant IDs across different financial institutions used to mean
juggling platforms, logins, and reconciliation nightmares. Enter
Consolidate FedNow®—a modern fintech gateway built to unify all your
FedNow®, RTP®, ACH, and credit card transactions into a single,
secure dashboard.
Whether you're a CFO, high-risk merchant, or growing business with complex payment needs, Consolidate FedNow offers interoperability without the friction, alias-based enrollment, and nationwide bank support—no setup fees, no in-person bank visit, no delays.
Why U.S. Merchants Choose Consolidate FedNow®
Consolidate FedNow® enables U.S. merchants to simplify, centralize, and scale their real-time payment processing. Built on top of FedNow® and RTP®, it delivers seamless compatibility and instant enrollment for any merchant, including those who have been declined by traditional banks.
Core Features:
✅ Real-time A2A, B2B, C2B, and ACH transactions
✅ Free merchant application—zero sign-up fees
✅ Alias-based security using mobile/email—no sensitive bank data required
✅ Enroll across multiple banks or credit unions in all 50 states
✅ Manage 100+ MIDs with one login
✅ ISO 20022-compliant RfPs + hosted payment pages
✅ QuickBooks® integration for instant reconciliation
✅ Support for POS, MOTO, mobile, text, email & web-based invoicing
✅ Batch uploads, recurring billing, and real-time reporting
Whether you're sending invoices, collecting client payments, or paying suppliers—Consolidate FedNow helps you do it instantly, securely, and from one unified interface.
Consolidate FedNow — Secure. Interoperable. Instant.
Who It's Built For:
Multi-location businesses needing centralized reporting
High-risk & bad credit merchants who’ve been rejected elsewhere
Startups and platforms with alias-heavy or multi-bank structures
Accountants and CFOs needing real-time reconciliation and batch tools
Use Cases:
Manage dozens of merchant IDs (MIDs) across different accounts
Schedule recurring payouts to vendors using only email or phone number
Instantly pay employees or contractors via A2A, card, or RTP®
Embed payment links inside ISO 20022 RfPs
Key Benefits:
✅ “Process real-time payments across FedNow® and RTP® from multiple banks in one dashboard.”
✅ “Enroll merchant accounts online using just an alias—no full bank information needed.”
✅ “Free applications for RTP®, FedNow®, ACH, and credit card payment acceptance.”
✅ “Instant payment tracking, reconciliation, and QuickBooks® integration for CFOs and bookkeepers.”
Unify Your Payments with Consolidate FedNow®
Why manage ten platforms when you can do it all in one?
At TodayPayments.com, Consolidate FedNow® is more than just a name—it’s your complete command center for FedNow®, RTP®, ACH, and card payments, with full alias compatibility and zero red tape.
✅ No Sign-Up Fees
✅ No Credit Checks
✅ No Bank Visit Required
✅ Support for High-Risk & Poor Credit Merchants
✅ Works with All Banks & Credit Unions in All 50 States
Ready to streamline your real-time payments?
Visit TodayPayments.com to enroll in Consolidate FedNow® today—the all-in-one platform for smart, secure, and instant U.S. payment processing.
Would you like me to now deliver:
✅ A branded landing page draft?
✅ Visual logo mockups for the 3 concepts?
✅ Google or Facebook ad copy assets?
✅ A sales one-pager or PDF handout?
Just let me know your next move!
Creation Request for Payment Bank File
Enhance Your ConsolidateFedNow 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 ConsolidateFedNow payment processing pricing
