What is FedNow® Real-Time Payment & Alias-Based Transfers?

FedNow® enables Alias-Based Payments, allowing users to send and receive money without needing full banking details. Instead, transactions can be processed using:

✔ Cell Phone Numbers – Directly link payments to mobile numbers
✔ Email Addresses – Secure, simple, and widely accessible payment aliases
✔ Monikers & Nicknames – Unique identifiers to maintain privacy

ISO 20022 pain.001: The Secure Standard for One-Time & Recurring Batch Payments

ISO 20022 pain.001 is an internationally recognized payment messaging standard ensuring:

✔ Automated & Secure Payment Processing – Instant and error-free transactions
✔ Bulk Transaction Capability – One-time or recurring batch payments
✔ Enhanced Fraud Protection – Structured data encryption
✔ Seamless Integration – Works with multiple financial institutions

By adopting ISO 20022 messaging, TodayPayments ensures every transaction is structured, trackable, and securely executed.

Ask us How:

"Facilitating FedNow® Real-Time Payments with alias-based transactions"
"How to send FedNow® instant payments using a phone number or email"
"ISO 20022 pain.001 messaging for secure A2A credit transfers and batch payments"
"Compare FedNow® with legacy money services"
"Alias-based real-time transactions and recurring payments using FedNow® for B2B, C2B, B2C, and C2C"

How FedNow® Outperforms Traditional Money Transfer Services

Legacy money service providers still rely on outdated infrastructure, manual batch processing, and high transaction fees.

Feature	FedNow® Real-Time Payments	Legacy Money Services
Alias-Based Payments	Yes (Phone, Email, Moniker)	No (Requires Full Banking Details)
Transaction Speed	Instant, 24/7/365	1-5 Days (ACH, Wire Delays)
One-Time & Recurring Batch Payments	Yes (Automated via ISO 20022)	No (Manual Processing & Delays)
ISO 20022 pain.001 Messaging	Yes (Automated & Secure)	No (Limited Messaging & Tracking)
Transaction Fees	Lower, Transparent	Higher, Hidden Fees
No Bank Visit Required	Yes (Online Transactions Only)	No (Requires Physical Bank Visit)
Security & Privacy	High (Alias-Based & Encrypted Transactions)	Low (Full Account Details Required)

Why Businesses & Consumers are Switching to FedNow® Money Services:
✔ No waiting periods – Payments process instantly
✔ No banking fees or delays – Direct A2A transactions eliminate middlemen
✔ No manual errors – Automated batch processing ensures accuracy

How FedNow® Works for B2B, B2C, C2B & C2C Transactions

Instant, Alias-Based, & Recurring Transactions for Every Industry

FedNow® empowers businesses and individuals with fast, secure, and structured transactions, reducing dependency on banks and legacy financial institutions.

B2B Transactions: Automate supplier payments, vendor settlements, and payroll
B2C Transactions: Process refunds, customer payouts, and e-commerce transactions
C2B Transactions: Accept payments from customers without requiring banking details
C2C Transactions: Secure peer-to-peer transactions using phone numbers, emails, or aliases

How It Works:
✔ Step 1: The payer enters the recipient’s alias (phone number, email, or moniker)
✔ Step 2: The ISO 20022 pain.001 message is securely processed in real-time
✔ Step 3: The recipient’s financial institution recognizes the alias and deposits funds instantly
✔ Step 4: Transaction is confirmed, and funds are available immediately

For businesses, FedNow® allows:
✔ One-time bulk disbursements – Perfect for payroll, invoices, and refunds
✔ Recurring automated payments – Schedule payments to suppliers or employees
✔ On-demand fund transfers – Instantly move money with zero delays

Security & Compliance with ISO 20022 Messaging

Ensuring Fraud-Free, Encrypted & Secure Transactions

Unlike traditional money service providers, FedNow® transactions are built with security and compliance at their core.

✔ Automated Payment Reconciliation – Eliminates manual transaction errors
✔ End-to-End Encryption – Prevents fraud and cyber threats
✔ Regulatory Compliance – Meets financial security standards
✔ Chargeback Prevention – Transactions are final and irreversible, eliminating fraud risks

With TodayPayments, businesses and individuals benefit from real-time, structured, and fraud-resistant financial transactions without relying on banks or third-party institutions.

Accept FedNow® Alias-Based & Batch Payments with TodayPayments

Traditional money service companies and banks are no longer the best option for modern businesses and consumers. FedNow® offers instant, secure, and cost-effective payment solutions that surpass legacy providers.

With TodayPayments, a premier FedNow® processor, you can:
✔ Enable instant A2A payments using alias-based identification
✔ Automate one-time and recurring batch payments for payroll, invoicing, and suppliers
✔ Process payments securely without requiring bank account numbers
✔ Reduce transaction fees and eliminate costly chargebacks
✔ Offer 24/7 real-time payments without delays
✔ Ensure maximum security with ISO 20022 pain.001 messaging

Upgrade to the future of payments—switch to FedNow® today!

Start Accepting FedNow® Payments with TodayPayments