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POST https://dd317.infusionsoft.com/app/form/process/cbe524c0266153dd898b78317da2e98b

<form accept-charset="UTF-8" action="https://dd317.infusionsoft.com/app/form/process/cbe524c0266153dd898b78317da2e98b" class="comments-form" method="POST">
  <input name="inf_form_xid" type="hidden" value="cbe524c0266153dd898b78317da2e98b">
  <input name="inf_form_name" type="hidden" value="Today Payments Web Form">
  <input name="infusionsoft_version" type="hidden" value="1.70.0.142108">
  <p class="span4">
    <label for="inf_custom_FullName"><strong>Full Name</strong> <span style="color:red;">*</span></label>
    <input class="span12" name="inf_custom_FullName" placeholder="Full Name" id="inf_custom_FullName" type="text" required="">
  </p>
  <p class="span4">
    <label for="inf_field_Phone1"><strong>Phone</strong><span style="color:red;">*</span></label>
    <input class="span12" placeholder="Phone" name="inf_field_Phone1" type="text" required="">
  </p>
  <p class="span4">
    <label for="inf_field_Email"><strong>Email</strong> <span style="color:red;">*</span></label>
    <input class="span12" name="inf_field_Email" type="text" placeholder="Email" required="">
  </p>
  <p class="span3">
    <label for="inf_field_Company"><strong>Company</strong><span style="color:red;">*</span></label>
    <input class="span12" id="inf_field_Company" name="inf_field_Company" placeholder="Company" type="text" required="">
  </p>
  <p class="span4">
    <label for="inf_field_Website"><strong>Website</strong></label>
    <input class="span12" name="inf_field_Website" type="text" placeholder="Website">
  </p>
  <p class="span8">
    <label for="inf_custom_Subject"><strong>Subject</strong></label>
    <select id="inf_custom_Subject" name="inf_custom_Subject">
      <option value="">Please select one</option>
      <option value="Quote - Rates">Quote - Rates</option>
      <option value="Bank API Integration">Bank API Integration</option>
      <option value="FedNow Instant Payments Processing">FedNow Instant Payments Processing</option>
      <option value="Request for Payment">Request for Payment Processing</option>
      <option value="Real-Time Payment Processing">Real-Time Payment Processing</option>
      <option value="Real-Time Bill Pay">Real-Time Bill Pay</option>
      <option value="Real-Time Credit Boost">Real-Time Credit Boost</option>
      <option value="Bill Pay Exchange">Bill Pay Exchange</option>
      <option value="QuickBooks Processing">QuickBooks Processing</option>
      <option value="Credit Card Processing">Credit Card Processing</option>
      <option value="Check Processing">Check Processing</option>
      <option value="ACH Processing">ACH Processing</option>
      <option value="Accounts Payable - Invoice Processing">Accounts Payable - Invoice Processing</option>
      <option value="Accounts Receivable - Invoice Processing">Accounts Receivable - Invoice Processing</option>
      <option value="Other">Other</option>
    </select>
  </p>
  <textarea class="span12" id="inf_custom_Comment" name="inf_custom_Comment" placeholder="Type in your comment" rows="10"></textarea>
  <input name="inf_field_LeadSourceId" type="hidden" value="0L">
  <script type="text/javascript" src="https://dd317.infusionsoft.app/app/webTracking/getTrackingCode"></script>
  <button class="btn btn-info btn-large" type="submit">Submit</button>
</form>

Text Content

Biller's login - Hosted Payments Page

 * Real-Time Payments
 * Pricing
 * QuickBooks Invoicing
 * Contact
 * Business Credit Cards

Please choose page-Real-Time Payments-Pricing-QuickBooks
Invoicing-Contact-Business Credit Cards





A2A PAYMENTS TRANSFERS

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WHAT IS FEDNOW A2A TRANSFERS

FedNow, A2A Transfers and Real-Time instant payments, are defined simply as:
Irrevocably collected funds in a bank account and usable immediately by the
owner of the account. Our "Good Funds" payment gateway allows for instant
real-time digital payments that are immediate, irrevocable, intra-bank and/or
interbank account-to-account (A2A) transfers that utilize a real-time and text
messaging system connected to every transaction participant through all
U.S.-based financial institutions.

FedNow, the Federal Reserve's real-time payment system, is poised to offer
significant benefits for business merchants by enabling real-time,
Account-to-Account (A2A) transactions. By addressing industry concerns and
providing a secure environment for data sharing through open banking, merchants
can fully leverage A2A transfers for receiving and making payments. Here’s why
FedNow business merchants should use A2A transactions:

1. Real-Time Payment Settlements

 * Instant Access to Funds: A2A transactions via FedNow allow merchants to
   receive payments instantly. Unlike traditional payment systems, where there
   is a delay in settlement (such as ACH or card payments that take 1-3 business
   days), FedNow ensures immediate availability of funds, improving cash flow
   and enabling better financial management.
 * No Waiting Periods: Real-time payments eliminate the need to wait for funds
   to clear, which is particularly valuable for businesses needing liquidity for
   day-to-day operations. Whether it’s paying suppliers or managing payroll, the
   availability of instant funds is a game-changer.

2. Cost Savings on Transaction Fees

 * Lower Processing Costs: A2A transfers typically bypass the fees associated
   with card transactions (such as interchange fees) and intermediary banking
   systems. For FedNow business merchants, this translates into significant cost
   savings over time, especially for businesses handling large volumes of
   payments.
 * No Need for Card Networks: With FedNow, merchants can receive payments
   directly from customers’ bank accounts, avoiding the need for third-party
   card networks. This not only saves on fees but also reduces the complexity of
   managing various payment processing systems.

3. Enhanced Data Security

 * Secure Environment: Open banking ensures that customer data is shared
   securely using encrypted and regulated APIs. Merchants using FedNow for A2A
   transactions can rely on these advanced security protocols, which minimize
   the risk of data breaches and protect sensitive financial information.
 * Fraud Reduction: By using A2A transactions, merchants can lower the risk of
   fraud, as payments are directly linked to bank accounts. Open banking’s
   strong authentication methods (such as multi-factor authentication and
   biometrics) provide an extra layer of protection for both merchants and
   customers, reducing the chances of unauthorized transactions.

4. Increased Transparency and Control

 * Real-Time Transaction Tracking: With A2A payments through FedNow, merchants
   benefit from full visibility into the payment lifecycle. They can track
   transactions in real time, enhancing transparency and allowing for immediate
   reconciliation.
 * Simplified Payment Management: Direct A2A transfers make it easier for
   merchants to manage incoming and outgoing payments. Whether it’s supplier
   invoices, payroll, or refunds, businesses can streamline their payment
   workflows, ensuring a smooth and efficient operation.

5. Frictionless Customer Experience

 * Convenient Payment Process: For customers, A2A transactions provide a
   seamless experience, as they can authorize payments directly from their bank
   accounts without needing to input card details or deal with third-party
   payment gateways. This can result in a quicker and smoother checkout process,
   improving customer satisfaction.
 * Instant Payment Confirmation: Real-time payment confirmations via FedNow help
   customers know immediately when their payment has been successfully
   processed. This transparency builds trust and confidence in the business,
   reducing customer inquiries or concerns about payment status.

6. Eliminating Chargebacks and Disputes

 * Reduced Chargebacks: Credit card payments can be subject to chargebacks,
   which often create disputes and administrative burdens for merchants. A2A
   transfers through FedNow remove this issue, as payments are directly
   authorized by the payer and are irrevocable once made, minimizing the chances
   of chargebacks or disputes.
 * Fewer Payment Reversals: Because the payments are real-time and authorized
   directly by the customer, there are fewer issues related to reversals or
   failed transactions. This reduces uncertainty for merchants and ensures that
   payments are final.

7. Fostering Trust through Open Banking

 * Customer Data Control: With open banking, customers have greater control over
   who can access their financial data, and they authorize each transaction
   directly. This builds trust, as customers feel more secure sharing payment
   information through regulated open banking platforms rather than traditional
   payment networks.
 * Secure API Integration: Open banking allows merchants to securely integrate
   with banks and financial institutions through standardized APIs. These APIs
   ensure that sensitive payment data is encrypted and transferred securely,
   adhering to regulatory requirements.

8. Greater Financial Inclusion

 * Accessibility for All: A2A payments enable businesses to tap into a broader
   customer base, including those who may not have credit cards but have bank
   accounts. With FedNow, merchants can easily accept payments from any U.S.
   bank account, ensuring more customers have access to their services, which
   enhances financial inclusion.
 * No Dependency on Card Networks: Many consumers may be underbanked or prefer
   not to use credit cards. By offering A2A payment options through FedNow,
   merchants can serve customers who rely on bank accounts for payments without
   needing to depend on card network infrastructure.

9. Regulatory Compliance and Data Privacy

 * Complying with Standards: Open banking operates under stringent regulatory
   standards that protect customer data and ensure transparency in financial
   transactions. Merchants using FedNow for A2A transactions can be assured that
   they are adhering to these regulations, reducing compliance risks and
   ensuring data privacy.
 * PSD2 and U.S. Equivalents: While PSD2 is a European directive, the U.S. is
   developing its own open banking frameworks. Merchants can prepare by adopting
   FedNow and open banking standards early on, ensuring they stay compliant as
   regulations evolve.

10. Future-Proofing Payment Infrastructure

 * Adapting to the Future of Payments: With the rise of digital payments and
   real-time banking, merchants who adopt FedNow and A2A transactions position
   themselves at the forefront of payment innovation. They can stay ahead of the
   competition by offering faster, more secure, and more cost-effective payment
   options.
 * Integration with Emerging Technologies: As technologies like AI, machine
   learning, and blockchain become more integrated with the financial system,
   merchants using A2A transactions and FedNow will be in a strong position to
   adopt new payment innovations more quickly and effectively.

Conclusion

By using A2A transactions through FedNow, business merchants can benefit from
faster payments, reduced costs, enhanced security, and improved customer
satisfaction. Open banking ensures that these benefits are delivered within a
secure, transparent, and regulated environment, driving forward the adoption of
real-time payments for FedNow, Real-Time Payments (RTP), and ACH systems.
Merchants who embrace this payment revolution can streamline their operations,
improve their cash flow, and provide a superior experience for their customers.


CREATION REQUEST FOR PAYMENT BANK FILE

Call us, the .csv and or .xml FedNow or Request for Payment (RfP) file you need
while on your 1st phone call! We guarantee our reports work to your Bank and
Credit Union. 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-Time Payments to work with Billers
to create the Request for Payment to upload the Biller's Bank online platform.
U.S. Companies need help to learn the RfP message delivering their bank. 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", will be the RtP Hub will be The Clearing
House, with messaging to the Debtor's (Payer's) bank.

... 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.



PRICING WITH OUR REQUEST FOR PAYMENT SOLUTIONS



 1) Free ISO 20022 Request for Payment File Formats, for FedNow and Real-Time
Payments (The Clearing House) .pdf for you manually create "Mandatory"
(Mandatory .csv or .xml data for completed ISO 20022 file) fields, start at page
4, with "yellow" highlighting. $0.0 + No Support


2) We create .csv or .xml formatting using your Bank or Credit Union. Using your
invoice information database to create an existing Accounts Receivable file, we
CLEAN, FORMAT to FEDNOW or Real-Time Payments into CSV or XML. Create Multiple
Templates. You can upload or "key data" into our software for File Creation of
"Mandatory" general file. Use either the Routing Number and Account Number for
your Customers or use "Alias" name via Mobile Cell Phone and / or Email address.


Fees = $57 monthly, including Activation, Support Fees and Batch Fee, Monthly
Fee, User Fee. We add your URI for each separate Payer transaction for
additional Payment Methods on "Hosted Payment Page" (Request for file with an
HTML link per transaction to "Hosted Payment Page" with ancillary payment
methods of FedNow, RTP, ACH, Cards and many more!) + $.03 per Transaction + 1%
percentage on gross dollar file,


3) Add integrating QuickBooks Online "QBO" using FedNow Real-time Payment using
our A2A Transfers system.


Fees Above 2) plus $29 monthly additional QuickBooks Online "QBO" formatting,
and "Hosted Payment Page" and WYSIWYG


4) Above 3) plus Create "Total" (over 600 Mandatory, Conditional & Optional
fields of all ISO 20022 Pain .013) Price on quote.



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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CONTACT US FOR REQUEST FOR PAYMENT PAYMENT PROCESSING



Full Name *

Phone*

Email *

Company*

Website

Subject Please select one Quote - Rates Bank API Integration FedNow Instant
Payments Processing Request for Payment Processing Real-Time Payment Processing
Real-Time Bill Pay Real-Time Credit Boost Bill Pay Exchange QuickBooks
Processing Credit Card Processing Check Processing ACH Processing Accounts
Payable - Invoice Processing Accounts Receivable - Invoice Processing Other

Submit



NAVIGATION

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SERVICES

 * Real-Time Payments
 * FedNow Service Instant Payments
 * Request for Payment RfP ™
 * Bill Pay Exchange - Real-time Bill Pay
 * QuickBooks ® Payments Processing

OUR OFFICE

Today Payments Merchant Services
2305 Historic Decatur Road, Suite 100
San Diego, CA 92106
(866) 927-7180


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Copyright © 2024 Today Payments, Inc. All Rights Reserved.
A2A Transfers is a website owned by Today Payments, Inc.
Trademark of U.S. Federal Reserve FedNow ®
Today Payments, Inc., is an Elavon Payments Partner & Registered Partner/ISO of
Elavon, Inc. Georgia, [a wholly owned subsidiary of U.S. Bancorp, Minneapolis,
MN]