Real-Time Payments Gateway

Experience the Benefits of FedNow ® Instant Payments with Today Payments, Inc.

Comparing FedNow Unlock the Power of FedNow® Instant Payments for Your Business. FedNow® instant payments are transforming how businesses and consumers transfer money by enabling real-time transactions with 24/7 accessibility and top-tier security. Unlike traditional banking methods that involve lengthy processing times, FedNow provides instant fund access, allowing businesses to optimize cash flow and reduce financial bottlenecks. This seamless payment solution enhances financial flexibility by minimizing reliance on credit lines while improving overall operational efficiency. With robust fraud prevention features, FedNow ensures every transaction is secure and compliant, protecting businesses and customers from potential risks. Additionally, companies that adopt FedNow gain a competitive advantage by offering faster, more reliable payment options that enhance customer satisfaction. As the financial industry shifts towards real-time processing, integrating FedNow helps businesses stay agile and competitive in today’s evolving digital landscape.

By leveraging FedNow® instant payments using Real-Time Payments, businesses can experience faster transactions, greater security, and lower costs compared to traditional payment systems. Small businesses, in particular, benefit from real-time access to funds, eliminating long settlement periods that can disrupt cash flow. Consumers also enjoy hassle-free payments, reducing the wait time for bill payments and urgent transactions. As a government-backed payment network, FedNow provides a trusted alternative to third-party processors while ensuring regulatory compliance. Businesses that integrate FedNow into their operations can build stronger customer relationships, improve transaction efficiency, and enhance financial agility. Implementing FedNow is a strategic move for businesses looking to modernize their payment processes and stay ahead in the fast-paced digital economy.

Cost-Effective FedNow Payment Processing with Today Payments

Affordable & Secure FedNow® Payment Processing for U.S. Businesses

Today Payments is not a bank, but we provide cost-effective FedNow® payment processing for businesses across the U.S., offering lower fees than banks and traditional payment processors. Our instant payment solution ensures secure, real-time transactions, allowing businesses to enhance cash flow without the excessive costs of conventional banking. Small businesses, in particular, benefit from faster settlements, eliminating long delays that can disrupt revenue cycles. Consumers also experience seamless and reliable transactions, removing the hassle of waiting for bill payments or urgent transfers to clear. As a government-backed system, FedNow® ensures full regulatory compliance while providing a secure alternative to third-party payment platforms. By choosing Today Payments, businesses gain an efficient, cost-effective, and secure solution tailored to meet their financial needs.

Compare Costs: Today Payments vs. Banks & Other Processors

Businesses partnering with Today Payments can save significantly compared to banks and other instant payment providers. Traditional banks often impose higher fees and stricter policies, limiting financial flexibility, especially for small businesses. Today Payments offers real-time FedNow® transactions at a fraction of the cost, helping businesses streamline their payment processing while keeping expenses low. Our advanced system allows financial institutions to deliver a superior payment experience without the overhead costs of outdated banking infrastructures. By leveraging Today Payments for FedNow® processing, businesses can cut transaction fees, enhance efficiency, and improve customer satisfaction. Implementing FedNow® through Today Payments is the smartest choice for companies looking to reduce costs and accelerate payments in today’s fast-moving digital economy.

Today Payments' FedNow
vs
Your current Payment Processor or Any Bank / Competitor




Monthly Cost Calculator

Enter your Monthly Transactions, Sale Price per Transaction, Interchange / Discount % and Transaction Fee details below to calculate costs for each payment method:

Payment Type Input Your Number of Monthly Transactions Input Your Average Sale Price Per Transaction Input Your Current Bank: Interchange / Discount % Input Your Current Bank: Transaction Fee Today Payments: Interchange / Discount % Today Payments: Transaction Fee Your Current Bank Cost Today Payments Cost Monthly Savings
Credit Cards
ACH
FedNow
Real-Time Payments
Monthly Fee 19.95
Total Monthly Cost Savings Savings

Today Payments Credit Card/ACH Fees/FedNow/Real-Time Payments:

Credit Card fees summarized are as follows:

VISA / MasterCard/ Discover / American Express-

Interchange 2% plus 35 Basis Points = 2.35% + $0.10 per transaction for all transaction types - keyed / MOTO and eCommerce 
Authorizations $0.10 per transaction

 

ACH Fees summarized are as follows:

.75% + $.30  per debit transaction

$2.50 per return ( bounced / closed account )

$25.00  per unauthorized return  (Like a Chargeback / Unauthorized Return) 

FedNow Fees summarized are as follows:

.75% + $.30  per debit transaction

$2.50 per return ( bounced / closed account )

$25.00  per unauthorized return  (Like a Chargeback / Unauthorized Return / Reject) 

Real-Time Payments Fees summarized are as follows:

.75% + $.30  per debit transaction

$2.50 per return ( bounced / closed account )

$25.00  per unauthorized return  (Like a Chargeback / Unauthorized Return / Reject) 

Other Account Fees are as follows:

Credit Cards:
$ 26.95 - Monthly 

$ 12.95 - PCI fee 

$ 9.95 - Next Day Funding - (Optional for CC accounts / 2-3 business days is always free)

$ - 0 - Application Fee 

$ - 0 - Setup Fee  

$ 59.95 - Annual Fee for Cards 

ACH:
$ 10.95 - Monthly (Discounted ACH add-on with CC account)

(or $19.95  for an ACH only account)

$ 29.95 - Annual Fee for ACH 

FedNow:
$ 10.95 - Monthly (Discounted FedNow add-on with CC account)

(or $19.95  for a FedNow only account)

$ 29.95 - Annual Fee for FedNow 

Real-Time Payments:
$ 10.95 - Monthly (Discounted Real-Time Payments add-on with CC account)

(or $19.95  for a Real-Time Payments only account)

$ 29.95 - Annual Fee for Real-Time Payments 

* Disclosure: The figures and calculations presented on this page are intended as rough estimates only. Actual Credit Cards, ACH, FedNow and Real-Time Payments payment processing rates may vary based on individual business profiles, transaction volumes, and specific contractual terms. For a more accurate and comprehensive analysis of your unique payment processing needs, we encourage you to call Today Payments (866) 927-7180 to request a personalized report. Our experts will help you evaluate your transaction history, business model, and specific requirements to provide the most cost-effective and up-to-date payment processing solution.
Quick Comment Form

Compare our service and prices to our competitors and
Give Us A Call

(866) 927-7180


Apply NOW

Stop Paying Bills by Paper Checks!