Trusted High-Risk FedNow® Payment Processor

What is High-Risk FedNow®?

High-Risk FedNow®: Real-Time Payments for High-Risk Businesses

High-Risk FedNow® refers to the use of FedNow® Real-Time Payments by businesses classified as high-risk industries due to regulatory, financial, or operational concerns. These businesses include gaming, e-commerce, cryptocurrency, adult entertainment, payday loans, high-volume merchants, and other industries prone to chargebacks or fraud risks.

Since FedNow® provides instant, 24/7/365 payment processing with final and irreversible transactions, it is an ideal solution for high-risk businesses looking to reduce payment delays, eliminate chargebacks, and improve financial security.

Why High-Risk Businesses Should Use FedNow®

✅ 1. Instant, 24/7 Payment Processing

• Unlike ACH or credit card payments, FedNow® settles transactions within seconds.
• Payments are processed 24/7/365, including weekends and holidays.

✅ 2. No Chargebacks & Fraud Prevention

• FedNow® transactions are final and cannot be reversed, protecting high-risk businesses from fraudulent disputes.
• Built-in compliance measures help prevent unauthorized transactions.

✅ 3. Faster Cash Flow & Liquidity Management

• Immediate fund availability improves cash flow for high-risk businesses.
• Eliminates revenue holds and delays associated with traditional payment processors.

✅ 4. Lower Transaction Fees Compared to Credit Cards & Wires

• Bypassing credit card networks reduces high-risk interchange fees (which can be 3-5%).
• More affordable than wire transfers while maintaining real-time settlement.

✅ 5. Broad Acceptance Across U.S. Banks

• Unlike RTP®, which is limited to The Clearing House network, FedNow® is accessible to all U.S. banks and credit unions.
• More high-risk merchants can integrate FedNow® for instant transactions.

How High-Risk Businesses Can Use FedNow®

💼 E-commerce & High-Ticket Sales – Accept real-time customer payments without credit card chargebacks.
💰 Cryptocurrency & Fintech Payments – Enable instant fiat transactions for exchanges, wallets, and DeFi services.
🏢 Payday & Alternative Lending – Process fast loan disbursements and customer repayments.
⚡ Adult & Subscription-Based Services – Eliminate payment delays and high-risk credit card processing fees.
📈 Online Gaming & Betting – Improve instant deposits and withdrawals with real-time settlements.

FedNow® vs. Traditional High-Risk Payment Methods

Feature	FedNow® Real-Time Payments	High-Risk Credit Card Processors	ACH Transfers	Wire Transfers
Speed	Instant (seconds)	1–3 business days	1–3 business days	Same-day (cutoff restrictions)
Availability	24/7/365	Business hours only	Business hours only	Business hours only
Transaction Fees	Lower than credit cards & wires	3-5% per transaction	Low, but slower	High
Chargebacks	No chargebacks (final transactions)	High chargeback risk	Reversible payments	Final payments
Best For	High-risk businesses needing instant, secure transactions	Recurring billing, high-risk card processing	Batch transactions	Large, one-time payments

How to Get Started with FedNow® for High-Risk Businesses

🔹 Check with Your Bank or Payment Processor – Ensure your financial institution supports FedNow® transactions.
🔹 Set Up a FedNow®-Enabled Business Account – Open an account to send and receive instant payments.
🔹 Integrate with Payment Systems – Use QuickBooks®, NetSuite, SAP, or other ERP solutions to process transactions.
🔹 Ensure Compliance with Banking Regulations – High-risk businesses should work with banks and payment providers experienced in compliance.

🚀 Upgrade your high-risk payment processing with FedNow® today! Contact us below to enable real-time payments and optimize your financial operations.

Creation Request for Payment Bank File

Enhance Your HighRisk FedNow 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 Instant 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.