Biller's login - Hosted Payments Page
Real-Time Payments Gateway


Autopay FedNow

AutoPay FedNow® is the premium solution for U.S. businesses demanding real-time, recurring payments using FedNow®, RTP®, and ISO 20022 data standards. Designed to empower subscription models, reduce payment friction, and eliminate delays — it’s how smart businesses automate their cash flow with 24/7 certainty.

To revolutionize how American businesses manage recurring payments by delivering instant, secure, and automated billing solutions powered by FedNow® and RTP®, ensuring companies get paid with speed, transparency, and finality — every time.

 

AutoPay FedNow®: Real-Time Subscription Payments for Today’s Businesses

Incentivizing recurring autopay FedNow FedNow® & RTP® Debit transactions - Incentivizing recurring "Automatic Bill Payments" autopay FedNow and recurring Real-Time instant payments, are defined simply as: Irrevocably collected funds in a Payee bank account and usable immediately by the owner of the account. An upfront on-time 'standing approval' using Incentivizing recurring autopay FedNow is an instruction or set of instructions a Payer uses to pre-authorize their financial institution to pay future Request for Payments, RfPs without requiring the Payer to review and approve each RfP. Consumers "C2B and B2B" can pay their recurring bills automatically with a convenient “set it and forget it” mentality and merchants can collect regular payments on time.

The Real-Time Payment Revolution for Business Has Arrived

If you're a business owner, merchant, or corporate treasurer still relying on slow ACH batches or credit card delays, it's time to rethink your payment strategy. AutoPay FedNow® brings the future of financial automation directly to your business — leveraging The FedNow® Service and RTP® Network to enable real-time, recurring payments through debit or credit transactions with no lag and no uncertainty.

From subscription-based businesses to B2B recurring invoicing, this solution ensures every payment is fast, final, and frictionless. Whether you're sending or receiving, AutoPay FedNow® empowers companies to automate cash flow and streamline reconciliation — all while reducing costs, chargebacks, and payment delays.

Welcome to the era where real-time business payments meet recurring revenue models. Welcome to AutoPay FedNow®.

AutoPay FedNow®is built for modern companies needing certainty, speed, and automation. As the U.S. transitions to real-time rails, your business can leverage FedNow® Debits, FedNow® Credits, and RTP® Request-for-Payment (RfP) to send or receive money instantly — even on weekends or holidays.

Ask for us:

  • Real-time subscription billing for businesses using FedNow
  • Automated recurring payments with FedNow® debit and credit
  • FedNow® vs RTP® for business-to-business (B2B) payments
  • Best FedNow® service for merchant accounts and invoicing
  • How to automate recurring business payments using FedNow®
 

Key Benefits and Features of AutoPay FedNow

🔁 Recurring Payments with Real-Time Certainty

Say goodbye to waiting. With FedNow Debits or RfP, subscribers can authorize one-time or recurring payments — allowing payers to pre-approve standing instructions, while you collect payments instantly.

⚡ Instant Cash Flow, No Settlement Delays

AutoPay FedNow delivers real-time deposits with funding certainty. Whether you're charging monthly services or auto-renewing annual plans, you get paid instantly — 24/7/365.

🧾 ISO 20022 Data for Seamless Reconciliation

Leverage rich ISO 20022 messaging for automated back-office reconciliation, reducing manual errors, accelerating audits, and integrating directly into systems like QuickBooks or ERP platforms.

🔒 No Chargebacks, No Uncertainty

Unlike credit cards, FedNow® and RTP® are “Good Funds” rails — meaning payments are irrevocable and final. Perfect for subscription companies, high-risk merchants, and B2B sellers.

🌐 Works Across All U.S. Banks and Credit Unions

AutoPay FedNow enables interoperable real-time payments — supporting both The FedNow® Service and RTP®, so you never have to worry about which bank your customer uses.

How AutoPay FedNow Supports Business Growth

Whether you run a SaaS company, fitness studio, legal retainer program, or enterprise billing department, AutoPay FedNow simplifies how you collect revenue. Here’s how it fuels your growth:

  • B2B Billing: Automate monthly retainers and recurring services with standing payment authorization
  • Subscription Businesses: Deliver instant access while capturing payments instantly and securely
  • Professional Services: Reduce AR cycles, improve liquidity, and eliminate follow-up for payments
  • High-Risk Industries: Get paid without fear of chargebacks or card declines

FedNow® and RTP® are not rivals — they’re complementary payment rails. With AutoPay FedNow, your business leverages both in one intelligent platform.

 

To effectively incentivize the adoption of recurring "Automatic Billing Payments" autopay through FedNow, it's essential to highlight the unique advantages of real-time payments and create compelling value propositions for both consumers and businesses. Here’s a comprehensive approach:

For Consumers:

  1. Financial Incentives:
    • Cashback Rewards: Offer cashback on the first few recurring payments made via FedNow autopay.
    • Subscription Discounts: Provide discounts on services (e.g., streaming, utilities) for consumers who set up recurring FedNow autopay.
    • Signup Bonuses: Provide a one-time bonus or credit for setting up a recurring payment with FedNow.
  1. Fee Waivers:
    • No Setup Fees: Waive any fees associated with setting up recurring payments.
    • Fee-Free Transactions: Eliminate transaction fees for recurring payments made through FedNow.
  1. Enhanced User Experience:
    • Priority Customer Support: Offer dedicated customer support for users who opt for FedNow autopay.
    • Financial Tools: Provide access to premium financial management tools or apps for free.
  1. Security and Reliability Assurance:
    • Fraud Protection: Highlight FedNow’s security features, offering assurances against fraud.
    • Payment Guarantees: Offer guarantees against missed or delayed payments, reducing the risk of late fees.
  1. Loyalty and Rewards Programs:
    • Points and Miles: Allow users to earn loyalty points or miles for each payment made via FedNow autopay.
    • Exclusive Offers: Provide access to exclusive deals and discounts for FedNow autopay users.
  1. Educational Initiatives:
    • Tutorials and Webinars: Offer easy-to-follow tutorials and webinars to help consumers set up and manage their recurring payments.
    • Customer Stories: Share testimonials and case studies from users who have benefited from using FedNow autopay.

For Businesses:

  1. Cost Savings:
    • Reduced Transaction Fees: Offer lower transaction fees for recurring payments through FedNow.
    • Volume Discounts: Provide discounts for businesses processing high volumes of recurring payments via FedNow.
  1. Improved Cash Flow:
    • Immediate Fund Availability: Emphasize the benefit of instant fund availability, improving business cash flow.
    • Early Payment Discounts: Provide early payment discounts to encourage timely payments.
  1. Integration Support:
    • Technical Assistance: Offer free or discounted integration services to help businesses set up FedNow for recurring payments.
    • API Access: Provide easy-to-use APIs and developer support to streamline the integration process.
  1. Operational Efficiency:
    • Automated Reconciliation: Provide tools for automated payment reconciliation, reducing administrative overhead.
    • Reduced Risk of Chargebacks: Emphasize the lower risk of chargebacks and fraud with real-time payments.
  1. Marketing and Collaboration:
    • Co-Marketing Opportunities: Partner with businesses to promote FedNow autopay through joint marketing campaigns.
    • Referral Programs: Implement referral programs where businesses earn rewards for each customer they convert to FedNow autopay.
  1. Customer Engagement:
    • Personalized Offers: Create personalized offers and promotions for customers who set up recurring payments via FedNow.
    • Customer Feedback: Collect and utilize customer feedback to continuously improve the FedNow autopay experience.

Cross-Sector Strategies:

  1. Partnerships with Financial Institutions:
    • Bank Collaborations: Work with banks and credit unions to promote FedNow autopay to their customers.
    • Joint Educational Campaigns: Run joint campaigns to educate both consumers and businesses on the benefits of FedNow autopay.
  1. Industry-Specific Campaigns:
    • Targeted Promotions: Develop campaigns tailored to specific industries (e.g., utilities, telecom, insurance) that can particularly benefit from recurring payments.
    • Pilot Programs: Implement pilot programs with selected businesses to showcase the benefits of FedNow autopay.
  1. Regulatory and Government Support:
    • Government Partnerships: Collaborate with government agencies to promote the adoption of FedNow for public services and utilities.
    • Compliance Support: Provide guidance on regulatory compliance to ensure businesses can seamlessly integrate FedNow autopay.

By adopting these strategies, financial institutions and businesses can effectively incentivize the use of recurring FedNow autopay, leveraging its advantages to create a more efficient, secure, and user-friendly payment ecosystem.

Upgrade Your Payments with AutoPay FedNow at TodayPayments.com

Why wait 1-3 business days for your money when you can get it now? With AutoPay FedNow, your business runs on real-time certainty, not settlement guesswork. Automate recurring billing, eliminate manual follow-ups, and ensure your business is always funded — instantly.

🚀 Ready to modernize your payments?
Start using AutoPay FedNow today at https://www.TodayPayments.com — where your business gets paid, fast.

 

Creation Recurring Request for Payment

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-TimePayments.com to work with Billers to create the Request for Payment to upload the Biller's Bank online platform. 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", either FedNow or RTP, will be the RtP Hub will be The Clearing House, with messaging to the Debtor's (Payer's) bank. Request for Recurring Payment

ACH and both Instant and Real-Time Payments Request for Payment ISO 20022 XML Message Versions
The versions that NACHA recommends for the Request for Payment message and the Response to the Request are pain.013 and pain.014 respectively. Version 5 for the RfP messages, which The Clearing House Real-Time Payments system has implemented, may also be utilized as there is no material difference in the schemas. Predictability, that the U.S. Federal Reserve, via the FedNow ® Instant Payments, will also use Request for Payment. The ACH, RTP ® and FedNow ® versions are Credit Push Payments.


Payees ensure the finality of Instant Real-Time Payments (IRTP) and FedNow using recurring Requests for Payments (RfP), Payees can implement certain measures:

1.     Confirmation Mechanism: Implement a confirmation mechanism to ensure that each payment request is acknowledged and confirmed by the payer before the payment is initiated. This can include requiring the payer to provide explicit consent or authorization for each recurring payment.

2.     Transaction Monitoring: Continuously monitor the status of recurring payment requests and transactions in real-time to detect any anomalies or discrepancies. Promptly investigate and resolve any issues that arise to ensure the integrity and finality of payments.

3.     Authentication and Authorization: Implement strong authentication and authorization measures to verify the identity of the payer and ensure that only authorized payments are processed. This can include multi-factor authentication, biometric verification, or secure tokenization techniques.

4.     Payment Reconciliation: Regularly reconcile payment transactions to ensure that all authorized payments have been successfully processed and finalized. This involves comparing transaction records with payment requests to identify any discrepancies or unauthorized transactions.

5.     Secure Communication Channels: Utilize secure communication channels, such as encrypted messaging protocols or secure APIs, to transmit payment requests and transaction data between the payee and the payer. This helps prevent unauthorized access or interception of sensitive payment information.

6.     Compliance with Regulatory Standards: Ensure compliance with relevant regulatory standards and guidelines governing instant payments and recurring payment transactions. This includes adhering to data security requirements, fraud prevention measures, and consumer protection regulations.

By implementing these measures, Payees can enhance the finality and security of Instant Real-Time Payments using recurring Requests for Payments, thereby minimizing the risk of payment disputes, fraud, or unauthorized transactions.

 
Each day, thousands of businesses around the country are turning their transactions into profit with real-time payment solutions like ours.

Contact Us for Request For Payment payment processing