FedNow® Hippo – Real-Time Payments That Move Like a Force of Nature
“FedNow® Hippo delivers real-time payments with muscle and personality. Whether you’re feeding your customers, billing them, or getting paid instantly — FedNow® Hippo brings speed, joy, and interoperability between FedNow®, RTP®, ACH, and cards. Be a Happy Hippo!”
What Makes FedNow® Hippo the Most Accessible Real-Time Payment Platform?
Meet
"Happy" FedNow® Hippo – The Happiest Way
to Get Paid Instantly.
Whether you’re delivering
pizza, managing subscriptions, or running a high-risk startup,
FedNow® Hippo brings instant, secure, and stress-free payments to
your business. This platform isn’t just smart—it’s joyful, reliable,
and always on-time. With full support for FedNow®, RTP®, ACH, and
card transactions, FedNow Hippo helps you skip the delays and feed
your cash flow fast.
FedNow® Hippo Features Built for Speed, Scale, and Simplicity
FedNow® Hippo: Real-Time Payments with Personality and Power
FedNow® Hippo is the fast, friendly, and frictionless way to process payments across FedNow®, RTP®, ACH, and credit cards. Whether you're in delivery, digital, or direct-to-consumer services, we give your business the muscle to move money instantly—and the charm to keep customers smiling.
Why Smart Businesses Choose FedNow Hippo
From Main Street to multi-state eCommerce, modern merchants demand faster payments—and FedNow® Hippo delivers. Here’s how you’ll benefit:
✅ Key Features & Benefits
- Free FedNow® & RTP® Applications – Skip the fees. Start fast with zero sign-up costs.
- Instant Enrollment – Go live in minutes. No bank visit required.
- Alias-Based MID Support – Use email or phone numbers to secure payments across accounts.
- Multi-Bank Interoperability – Manage FedNow® and RTP® across all 50 states, with multiple banks or credit unions.
- High-Risk & Bad Credit Welcome – Get approved even if banks have turned you down.
- Real-Time A2A, B2B, C2B & POS Payments – Process all transaction types without delay.
- Custom Hosted Payment Pages – Branded checkout links built directly into your RfP messages.
- QuickBooks® Online Integration – Reconcile payments instantly with your accounting platform.
- Batch Uploads/Downloads + Recurring Billing – Perfect for subscription and delivery models.
- Full Support for RTP®, FedNow®, ACH & Credit Card Payments – One dashboard. One login.
Apply Now. Be a Happy Hippo.
You’ve waited long enough for your payments—why should your business or your customers wait any longer?
Apply Free Today with
TodayPayments.com
✔ No setup fees
✔
No bank visit
✔ No delays
✔ Just real-time, happy money
movement
Be the business that gets paid in seconds—not days. FedNow Hippo® is your all-in-one solution for real-time financial success across FedNow®, RTP®, ACH, and cards. Whether you're managing 10 customers or 10,000, the Hippo's got your back.
✅ “Be a Happy Hippo—Enroll in FedNow
Hippo for Instant, Real-Time Payments Today!”
✅
“Recurring Billing? Instant Delivery? Instant Pay? FedNow Hippo Is
Built for You.”
✅ “No Fees. No Delays. No Bank Visit.
Just Fast, Friendly Payments from FedNow Hippo.”
✅
“Multiple Banks? High-Risk? 100+ MIDs? The Hippo’s Got Your Back.”
Creation Request for Payment Bank File
Enhance Your FedNow Hippo 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.
Contact Us for FedNow Hippo payment processing pricing
