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ACH Real-Time – The Future of Instant A2A Transactions with FedNow® & RTP®

What is ACH Real-Time

ACH Real-Time – The Future of Instant A2A Payments with FedNow®, RTP®, and Same-Day ACH

In today’s digital economy, businesses and consumers demand faster, secure, and cost-efficient payment solutions. While ACH payments have been widely used for B2B, B2C, and C2B transactions, traditional ACH lacks real-time capabilities. ACH Real-Time is an emerging concept that encompasses Same-Day ACH, FedNow®, and RTP® (Real-Time Payments)—offering instant account-to-account (A2A) credit and debit transactions.

While NACHA does not currently offer Instant ACH, businesses can leverage FedNow® and RTP® for instant settlements, automated Request for Payment (RfP) invoicing, and ISO 20022 messaging compliance. These technologies enhance financial transactions by reducing delays, eliminating chargebacks, and improving cash flow management for businesses, consumers, and government entities.

ACH Real-Time: The Future of Instant A2A Transactions with FedNow® & RTP®

What Is ACH Real-Time?

ACH Real-Time is a new industry term referring to the instant transfer of funds between bank accounts using:

  • Same-Day ACH – A faster version of traditional ACH, but not instant.
  • FedNow® – The Federal Reserve’s real-time payment system, available 24/7/365.
  • RTP® (Real-Time Payments) – A private-sector network for instant transactions, developed by The Clearing House.

These systems support B2B, C2B, and B2C transactions, enabling instant credit and debit transfers, unlike traditional ACH, which can take 1–3 business days to process.

Key Benefits of ACH Real-Time for Businesses & Consumers

✅ Instant Settlements with FedNow® & RTP®

  • FedNow® and RTP® process transactions in seconds, unlike ACH, which can take days.
  • Funds are available immediately, improving cash flow and liquidity.
  • Eliminates weekend and holiday delays, ensuring 24/7/365 payment processing.

✅ Secure, Direct Account-to-Account (A2A) Transfers

  • Unlike credit cards, which involve intermediary banks and payment processors, ACH Real-Time allows direct A2A transactions.
  • Reduces fraud risks, chargebacks, and unauthorized reversals.
  • ISO 20022 messaging compliance enhances security, transparency, and automation.

✅ Request for Payment (RfP) for Digital Invoicing

  • Businesses can send RfP invoices instantly, reducing late payments.
  • Automates reconciliation with QuickBooks®, Xero, and NetSuite.
  • Improves B2B cash flow management by enabling faster invoice-to-payment cycles.

✅ Supports B2B, B2C, & C2B Transactions

  • B2B (Business-to-Business) – Fast supplier/vendor payments, reducing processing costs.
  • C2B (Consumer-to-Business) – Instant online payments for retail, subscriptions, and invoices.
  • B2C (Business-to-Consumer) – Payroll, gig economy payouts, refunds, and disbursements.

✅ Eliminates Credit Card Processing Fees

  • ACH Real-Time transactions have lower fees than credit card payments.
  • No PCI compliance costs, reducing security and operational expenses.
  • More affordable for high-volume transactions compared to traditional card networks.

✅ 24/7/365 Payment Availability

  • Unlike ACH, wire transfers, and credit card processing, FedNow® & RTP® transactions are available anytime.
  • No more waiting for banking hours or business days to complete payments.

✅ Regulatory Compliance & ISO 20022 Messaging

  • ISO 20022 standards improve interoperability and automation.
  • Ensures compliance with financial institutions, government agencies, and global banking networks.
  • Supports detailed payment information, reducing reconciliation errors.

How ACH Real-Time Enhances Payment Workflows

🎯 Faster Business-to-Business (B2B) Payments

  • Pay vendors, suppliers, and service providers instantly.
  • No more waiting for ACH batch processing or wire transfer approvals.

🛍️ Ideal for E-Commerce & Retailers

  • Accept real-time payments, improving customer checkout experiences.
  • Faster order fulfillment with instant transaction confirmation.

📈 Perfect for Subscription & Recurring Billing

  • Automate recurring payments via Request for Payment (RfP) invoicing.
  • Reduce failed transactions and chargeback disputes.

🏦 Optimized Payroll & Contractor Payments

  • Pay employees, freelancers, and gig workers instantly with FedNow® & RTP®.
  • Reduce payroll processing costs and eliminate direct deposit fees.

Upgrade to ACH Real-Time with TodayPayments.com

Are you ready to transition from traditional ACH to instant real-time payments? ACH Real-Time offers:

 Instant A2A transactions with FedNow® & RTP®
 Automated invoicing with Request for Payment (RfP)
 Secure, compliant, and cost-efficient transfers
 24/7/365 availability with ISO 20022 messaging

Switch to ACH Real-Time today! Get started with TodayPayments.com and experience the power of instant, real-time payments.

Features & Benefits

FedNow instant payments has benefits for all parties involved in Financial Transactions.
Benefits to your company include:
Text Mobile Request for Real-Time Payment Money Transfer: Current limit of $1,000,000.
It's Final: All RTP and Instant Payments are Final & Irrevocable.
It's Fast: 24/7/365 access to funds anytime vs. several days for paper checks or ACH transfers to process.
Request for Payments ( RfP ™): Mobile & Online Real-Time Bill Payments.
Software Integration: Integrate your A/R & A/P Management or Enterprise software with us.
Message Detail: Full 145 characters available using ISO 20022 messaging XML format.
Online Down Payments: Don't use inconvenient and expensive Wires & Cashier's Checks.
Online Real-Time Reporting: Configured Dashboard with Virtual Terminal login.
Reduced calls / emails in the "Purchasing Chain": All parties to a instant payment transaction receive immediately text & email messaging.  The FedNow and RTP Systems enables Participants to initiate credit transfers, receive final and irrevocable settlement for credit transfers, and make available to Receivers funds associated with such credit transfers in real-time, twenty-four (24) hours a day, seven (7) days a week, fifty-two (52) weeks a year. All instant payments are "Credit Push" instead of "Debit Pull."

Creation Request for Payment Bank File

Call us, the .csv and or .xml FedNow or Request for Payment (RfP) file you need while on your 1st phone call! We guarantee our reports work to your Bank and Credit Union. 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-Time Payments to work with Billers to create the Request for Payment to upload the Biller's Bank online platform. U.S. Companies need help to learn the RfP message delivering their bank. 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", will be the RtP Hub will be The Clearing House, with messaging to the Debtor's (Payer's) bank. Request for Payment

... 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.

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

Contact Us for Real-time Payments processing