Faster ACH
TodayPayments.com is the go-to platform for businesses ready to accelerate ACH processing through Faster ACH services. Our system supports both Payees and Payers by enabling structured Request for Payments (RfP) delivery, alias-based ACH transactions, and smart automation using batch uploads and ISO 20022-ready messaging. Whether you’re sending digital invoices, managing high-volume payouts, or reconciling transactions in real time, TodayPayments.com empowers you to modernize your ACH workflows—faster, smarter, and fully optimized for today’s digital economy.
What Is Faster ACH? Modernizing ACH for Payees and Payers
Traditional ACH processing often feels like a
waiting game. Delays in funding, batch cutoffs, and settlement
windows can stall cash flow and disrupt operations. Enter Faster
ACH—a powerful payment solution that enhances the ACH network
with Request for Payments (RfP) technology. Designed for both
Payees and Payers, Faster ACH makes it possible to request
and receive funds in a fraction of the time. Through
TodayPayments.com, businesses can accelerate receivables,
streamline payouts, and manage ACH workflows with greater speed,
transparency, and automation.
Faster ACH is an enhanced method of moving money over the ACH network, empowered by digital Request for Payments (RfP). Unlike traditional ACH transactions that take 1–3 business days, Faster ACH can:
- Reduce processing times using real-time messaging and RfP initiation
- Empower Payees to send structured payment requests instantly
- Enable Payers to respond digitally via mobile, email, or bank dashboards
- Improve visibility with confirmation-based tracking and standardized communication
This dual-directional system supports both sides of the transaction, making Faster ACH ideal for B2B, C2B, and enterprise disbursement scenarios.
How Request for Payments Enhances Faster ACH
RfP (Request for Payments) transforms the ACH experience by turning it into an interactive, data-rich process. With TodayPayments.com, businesses can:
- Send RfPs from Payee to Payer through SMS, email, or a hosted link
- Include invoice data, due dates, and reference numbers in the message
- Receive digital approvals from Payers for ACH debit or credit initiation
- Integrate directly with banking portals and accounting systems for seamless automation
The result? A faster, smarter, and more secure ACH experience—with full control over payment timing and transparency.
Batch Uploads, Reconciliation & Free Templates Included
Whether you're managing high volume or small batches, TodayPayments.com gives you the tools to succeed:
- Batch uploads for recurring and one-time RfP files (.CSV, Excel, XML, JSON)
- Real-time tracking and payment confirmations
- Free Aging Accounts Receivable worksheets for overdue invoice tracking
- Bank Reconciliation templates to match ACH transactions to bank deposits
- Support for alias-based payments (email, phone) to reduce data entry risk
From setup to settlement, we help you optimize every aspect of the Faster ACH workflow.
ACH doesn’t have to be slow. With Faster ACH from TodayPayments.com, you’ll send and receive Request for Payments in near real time—cutting down processing delays and improving your cash flow from day one.
👉 Say goodbye to waiting and
hello to faster business.
🚀 Visit
https://www.TodayPayments.com to activate Faster ACH and
download your free RfP & reconciliation templates today.
Creation Request for Payment Bank File
Enhance Your FasterACH 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 FasterACH payment processing pricing
