
Señor FedNow® – The Fastest, Friendliest, Most Fluent Way to Get Paid
Señor FedNow® is the international, multilingual with ISO 20022, real-time payments expert who speaks your business’s language—whether it’s A2A, B2B, RTP®, ACH, or card transactions. With no paperwork, no bank visits, and no chargebacks, he brings guaranteed good funding, cross-border charm, and the rhythm of instant transactions to merchants of every type.
What Is Señor FedNow®?
Meet Señor FedNow® — Fluent in
Finance, Fast on His Feet
He’s suave, stylish, and speaks every
payment language fluently—from A2A to RTP®, from ACH to ISO 20022.
Señor FedNow® doesn’t wait in bank lines or dance around slow settlements. He shows up in real-time, charms your CFO, and delivers guaranteed good funding—no paperwork, no delay, and no judgment.
Whether you're managing multiple merchant IDs, onboarding high-risk clients, or scaling across 50 states, Señor FedNow® has already cleared the floor. Are you ready to dance?
How can Señor FedNow® Process Instant Real-Time Payments?

Señor FedNow® is the charismatic real-time payments solution that brings together FedNow®, RTP®, ACH, and credit card processing—all in one seamless, multicultural platform. Fluent in ISO 20022 and frictionless onboarding, Señor delivers instant transactions with swagger and reliability.
- "Señor FedNow® Speaks Your Language—ISO 20022, A2A, and More."
- "Fast on His Feet. Fluent in Funding. Always Guaranteed."
- "The New Guy in Town from the South—And He's Dancing Across the Nation."
- "He’s Better Looking Than Wires—And He Pays Better Too."
From your first invoice to ongoing recurring payments, Señor FedNow® ensures your payouts are accurate, fast, and fully funded—with support for high-risk merchants, multilingual operations, and over 100 MIDs across email and mobile aliases.
24 Compelling Features That Make Señor FedNow® a Business Favorite
- Free FedNow® & RTP® application for business merchants
- Full support for multiple banks and credit unions across all 50 U.S. states
- Alias-based MIDs for every phone number and email (100+ supported)
- Real-time recurring billing and A2A payment compatibility
- Accept ACH, RTP®, FedNow®, and credit cards—on one platform
- Batch uploads/downloads for high-volume processing
- Hosted payment pages embedded in ISO 20022 Request-for-Payments (RfP)
- Full support for Spanish-speaking merchants and multilingual invoicing
- Real-time reconciliation and reporting for CFOs and bookkeepers
- Zero chargebacks, no return risk, and full alias security
- High-risk and credit-challenged merchants welcome
- Smart payee-initiated billing and real-time approvals
- Scheduled recurring transactions and auto-payouts
- Merchant account management across divisions and franchises
- Instant funding without a bank visit
- Request-for-Payments with clickable hosted links
- Full QuickBooks® Online integration for seamless accounting
- POS, MOTO, email, web & mobile payment compatibility
- Culturally inclusive branding and messaging for global appeal
- ISO 20022-compliant, enterprise-ready payments
- Real-time transaction tracking from payer to payee
- Interoperability between RTP®, FedNow®, ACH & credit cards
- Ideal for subscription models, delivery brands, and international scaling
- Backed by TodayPayments.com—your trusted fintech partner
Our Mission Statement
Señor FedNow® is the real-time payments gentleman who speaks your language, moves with style, and delivers guaranteed funding with every step. He’s multi-lingual, multi-compatible, and made for merchants who want payments to be both fast and fabulous.
Say Hola to Señor FedNow® at TodayPayments.com
Still waiting for ACHs to clear? Still stuck with slow wires and judgmental banks?
Señor FedNow® invites you to the rhythm of real-time funding. With free applications, instant approvals, and full support for RTP®, FedNow®, ACH & card transactions—your business never skips a beat.
✅ Instant enrollment—no bank visit
required
✅ Serve all 50 states with customizable MIDs
for each alias
✅ High-risk merchants welcome—bad credit,
no problem
✅ Hosted payment pages, QuickBooks® sync &
batch billing included
✅ Built-in ISO 20022
compatibility for smooth RfPs and global messaging
Say hello to your new favorite
payment partner. Visit
https://www.TodayPayments.com
Let Señor
FedNow® sweep your payments off their feet.
What else can we do:
- Real-time multilingual payment platform with FedNow® and RTP®
- Zero-fee FedNow® & RTP® merchant accounts for high-risk businesses
- ISO 20022-hosted payment page solution with alias-based security
- Real-time A2A and recurring billing with full reconciliation reporting
- High-risk and bad credit merchants accepted for instant FedNow® onboarding
- QuickBooks® integration for real-time merchant reconciliation
- Mobile-friendly real-time payments for bilingual businesses
- Request-for-payment system with built-in hosted page and instant tracking
- Batch processing for subscription models, delivery brands, and global sellers
- Apply for RTP® and FedNow® merchant account with over 100 unique MIDs
- "Collect Payments Instantly via FedNow®, RTP®, ACH & Cards—Anywhere, Anytime."
- "Free RTP® and FedNow® Applications—Zero Sign-Up Fees, Total Interoperability."
- "From Payer to Payee in Seconds—No Bank Visit. No Nonsense."
- "High-Risk Merchants Welcome—Señor Doesn’t Judge. He Just Funds."
✅ “Señor FedNow® Moves Fast, Speaks
Fluent Finance, and Always Delivers.”
✅ “Why Wait in
Line at the Bank When You Can Dance with Señor?”
✅ “Get
Real-Time Payments with Latin Flair and Global Compatibility.”
✅ “Apply Today. No Paperwork. No Judgment. Just Good Funding.”
Creation Request for Payment Bank File
Enhance Your Senor FedNow 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 Senor FedNow payment processing pricing