Credit Card Processing
Retail Face-to-Face
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eCommerce Internet Sales
eMail Invoicing
FedNow & Real-Time
Payments
Solutions
Online integrated Origination, Sending, Receiving and Recordation of all Good Funds Transfers.
"All participants receive instant real-time electronic notifications. Use our online Payment Gateway interface or integrate your in-house system with our API"
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Credit Cards Merchant Account Business – Secure, Affordable, and Scalable
Why Choose TodayPayments.com for Credit Card Payment Processing?
Credit Cards Merchant Account Business – Unlock Seamless Payment Processing
For businesses of all sizes, credit card payment processing is essential to boost sales, improve cash flow, and offer convenience to customers. However, high processing fees, complex banking requirements, and limited access to multiple financial institutions make it difficult for businesses to maximize their profitability.
With TodayPayments.com, businesses can now access a fast, secure, and cost-effective Credit Cards Merchant Account, providing instant payment processing capabilities. Whether you run a retail store, wholesale business, eCommerce platform, or service-based company, our solution allows you to process credit card transactions effortlessly.
Our advanced alias-based transaction system allows businesses to use mobile phone numbers or email addresses instead of full banking details, ensuring higher security, operational flexibility, and seamless payment integration.
How to Transition to a Credit Cards Merchant Account Business
Why Choose TodayPayments.com for a Credit Cards Merchant Account?
1. Low-Cost, High-Efficiency Credit Card Payment Processing
- Accept all major credit & debit cards with the lowest processing fees.
- No hidden charges, no long-term contracts, and transparent pricing.
- Quick settlements to improve cash flow and enhance business efficiency.
2. Secure & Scalable Payment Solutions for All Business Types
- Alias-Based Transactions – Use a mobile phone number or email address instead of full banking details for increased security.
- Multi-Bank Compatibility – Access multiple financial institutions and process transactions across multiple accounts.
- Real-Time Payments & Same-Day ACH Support – Send and receive credit card, ACH, FedNow®, and RTP® transactions instantly.
3. Flexible Merchant Account Solutions for High-Risk Businesses
- Process payments for legally high-risk products and services, including credit cards, ACH, FedNow®, and RTP® real-time A2A payments.
- Accept POS, retail, wholesale, MOTO, text, mobile, email, and SMS invoicing payments.
- Serve businesses of all structures—Sole Proprietors, Schedule C 1040 filers, Partnerships, LLCs, S-Corps, and C-Corps.
Key Features That Make TodayPayments.com the Best Credit Cards Merchant Account Provider
✅
QuickBooks® QBO Integration
– Automate financial reconciliation, invoicing, and bookkeeping.
✅ Multi-Bank Merchant Account Support –
Process credit card payments across multiple financial
institutions with one seamless platform.
✅
Legally High-Risk Processing Support – Accept credit cards,
ACH, FedNow®, and RTP® transactions for high-risk businesses.
✅ ISO 20022 Messaging with Hosted Payment Page
– Insert secure payment links into Request-for-Payments
(RfPs) for automated transactions.
✅
Alias-Based MID System – Assign unique MIDs to multiple
phone numbers and email addresses, making business
transactions easier and more secure.
✅
"FREE" Real-Time Payments Bank Reconciliation – with all merchants process with us.
How to Transition to a Credit Cards Merchant Account Business
1️⃣ Choose a Trusted Payment
Provider – Work with
TodayPayments.com for secure and affordable credit card
processing.
2️⃣ Utilize Alias-Based
Transactions for Security & Privacy – Process payments using
mobile phone numbers and email addresses instead of full
banking details.
3️⃣ Enroll Multiple MIDs for
Multi-Brand & Multi-Bank Transactions – Manage all business
payments under one consolidated system.
4️⃣
Automate Payment Collection Using ISO 20022 Messaging –
Optimize billing, invoicing, and payment collection with
Request-for-Payments (RfPs).
5️⃣ Integrate
QuickBooks® QBO for Automated Financial Management – Sync
transactions in real-time for seamless bookkeeping and
accounting.
Get Started with a Credit Cards Merchant Account at TodayPayments.com
Avoid high transaction fees, slow settlements, and restricted banking policies. With TodayPayments.com, businesses can accept credit card payments, streamline financial operations, and process transactions instantly with minimal costs.
Apply Today & Unlock the Best Credit Cards Merchant Account Business!
Visit TodayPayments.com to apply now!
Creation Request for Payment Bank File
Enhance Your Enter RTP real-time payments network using Credit Cards 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 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.
Contact Us for Request For Payment payment processing
