Same-Day ACH for Faster B2B Invoice Payments

Enhance Operational Efficiency with Same-Day ACH

Same-Day ACH for B2B Invoice Payments revolutionizes the traditional ACH process by significantly speeding up the payment timeline. Businesses can process and receive payments within the same day, which is a major advantage for managing day-to-day operations and improving liquidity. This expedited process is crucial for companies that depend on timely payments to maintain their cash flow and operational stability. Same-Day ACH is tailored for efficiency, reducing the typical waiting period associated with standard ACH transfers.

This system is designed to meet the needs of businesses across various sectors, offering reliability and speed in transactions. The introduction of same-day processing helps businesses avoid typical transaction delays and improves overall financial agility.

Long-Term Advantages:

• Accelerated Payment Processing: Enhances cash flow with faster access to funds.
• Operational Reliability: Provides consistent and predictable payment times, crucial for budgeting and planning.

Creation Request for Payment Bank File

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 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.