What Are FedNow® & RTP® Download Transactions?

Instant Bank Feed Integration for Reconciliation & Payments

Request for Payment, a new standard for digital invoicing facilitating real-time payments RTP ® and FedNow ® payments that are instant, final (irrevocable - "good funds") and secure.

FedNow® & RTP® Download Transactions enable businesses to:

✔ Retrieve Single or Batch Transactions for Bank Reconciliation – Automate and reconcile payments in real time.
✔ Initiate Request for Payments (RfPs) & Invoice Payments via .html Links – Securely process customer payments instantly.
✔ Download Batch Files for Recurring & Variable Database Payments – Automate subscriptions, payroll, and supplier payments.
✔ Enable MOTO (Mail Order / Telephone Order) Transactions – Accept payments via phone, email, or invoice links.
✔ Use ISO 20022 Messaging for Compliance & Security – Ensure structured, error-free financial transactions.

This enhanced automation saves time, reduces errors, and ensures faster payment settlement for businesses of all sizes.

FedNow® & RTP® vs. Traditional Bank Reconciliation & Payment Processing

Why Real-Time Bank Feeds Outperform Legacy Payment Methods

Feature	FedNow® & RTP® Real-Time Bank Feeds	Legacy Payment Methods
Processing Speed	Instant (24/7/365)	ACH: 1-3 days, Wires: Same-day but costly
Bank Reconciliation	Automated, Real-Time Download	Manual, Delayed Processing
Batch File Processing	Yes (ISO 20022 Format)	Limited & Manual Processing
Request for Payments (RfPs)	Yes (Automated & .html Linked Payments)	No (Manual invoicing required)
Transaction Costs	Lower, Transparent Pricing	Higher fees (wire, ACH, credit card interchange)
Security & Fraud Protection	Encrypted, Non-Reversible	Higher risk of chargebacks & fraud

Why Businesses Are Upgrading to FedNow® & RTP® Integration:
✔ Instant payment settlements eliminate cash flow delays
✔ Automated reconciliation reduces accounting errors
✔ Batch processing optimizes vendor, payroll, and customer payments

How FedNow® & RTP® Download Transactions Work for B2B, B2C, & C2B

Seamless Financial Management Across All Industries

FedNow® & RTP® allow businesses to replace outdated reconciliation and payment methods with real-time automation.

🔹 B2B Transactions: Automate supplier payments, bulk invoices, corporate disbursements.
🔹 B2C Transactions: Process instant refunds, e-commerce settlements, and payroll.
🔹 C2B Transactions: Customers can pay invoices, bills, and subscriptions instantly.

How It Works:
✔ Step 1: Download real-time transaction data from FedNow® & RTP® bank feeds.
✔ Step 2: Automate bank reconciliation by matching payments with accounting records.
✔ Step 3: Process batch file transactions for supplier, payroll, and recurring payments.
✔ Step 4: Payments are automatically confirmed and reconciled in financial records.

Businesses can eliminate manual reconciliation errors, enhance payment accuracy, and reduce processing time with TodayPayments' real-time financial automation.

Security & Compliance with ISO 20022 Messaging

How FedNow® & RTP® Ensure Secure, Fraud-Proof Transactions

Unlike traditional credit card payments or ACH transfers, FedNow® & RTP® payments are highly secure, automated, and compliant with financial regulations.

✔ ISO 20022 Messaging – Ensures structured and trackable transactions
✔ Automated Reconciliation – Reduces manual accounting errors
✔ End-to-End Encryption – Protects against fraud and unauthorized access
✔ Regulatory Compliance – Meets financial industry security standards
✔ Final & Non-Reversible Transactions – Eliminates fraud risks and chargebacks

By utilizing ISO 20022 pain.001 messaging, businesses can process payments instantly without risk of human error or fraud.

Ask us how:

"Download real-time FedNow® & RTP® transactions for bank reconciliation"
"How to automate batch payments & reconciliation with FedNow® & RTP®"
"Request for Payments (RfPs) and invoicing via .html links in financial transactions"
"ISO 20022 pain.001 messaging for instant A2A credit and debit transactions"
"Best way to use real-time payments for B2B, B2C, and C2B financial management”

Upgrade to FedNow® & RTP® Download Transactions with TodayPayments

Manual reconciliation and outdated payment methods are costly, inefficient, and prone to errors—real-time FedNow® & RTP® transaction downloads solve these problems.

With TodayPayments, a premier FedNow® & RTP® processor, businesses can:
✔ Download & reconcile real-time transaction data for accurate financial reporting
✔ Automate Request for Payments (RfPs) via invoices, .html links, and MOTO
✔ Process recurring & variable payments with batch file automation
✔ Reduce transaction fees while improving financial security
✔ Offer real-time, bank-feed-integrated payments for B2B, B2C, and C2B

🚀 Streamline your financial operations—switch to FedNow® & RTP® Download Transactions today! 🚀

🔗 Start Accepting FedNow® & RTP® Payments with TodayPayments