Real-Time Payments at the speed of life ™ ~


Download FedNow File Transactions

TodayPayments.com empowers businesses to access, automate, and analyze real-time payments by providing FedNow® and RTP® file download solutions built on ISO 20022 standards. From bank dashboards to FinTech platforms, we make your payment data actionable — every time, in real time.

To enable businesses of all sizes to fully harness the power of real-time payments by offering smart tools for downloading, formatting, and integrating FedNow® transaction data — with full support for ISO 20022 messaging, interoperability, and recurring payment automation

Access and Download Your FedNow® Transaction Files with Full Transparency

FedNow® and RTP® are transforming business payments — but the real competitive advantage lies in visibility and control. For businesses managing recurring transactions or real-time settlement, the ability to download structured payment files — whether static or variable — is critical for reconciliation, reporting, and compliance.

Using your bank dashboard or FinTech platform, you can now export FedNow® Credits, Debits, and Request for Payments (RfP) in formats like JSON, XML, CSV, or Excel, enriched with ISO 20022 messaging for complete context and clarity.

At TodayPayments.com, we give your organization the tools to download, manage, and automate these files — whether you're a payer or payee, working across The FedNow® Service or RTP® Network. Because the future isn’t just instant — it’s interoperable, traceable, and intelligently structured.

How to Download FedNow® Transaction Files: Static and Variable Payment Data

Downloading FedNow® files allows businesses to view, reconcile, and analyze payment data at a granular level. Whether you're issuing real-time disbursements or collecting recurring payments, these downloadable files provide the details you need to manage cash flow confidently.

Supported File Types for Download:

  • JSON – Ideal for FinTech integrations and API analytics
  • XML – ISO 20022-compliant format for financial institutions
  • CSV – Easily opened in Excel and Google Sheets
  • Excel (.XLS/.XLSX) – Most accessible for finance and accounting teams

Downloadable FedNow® Data Includes:

  • Credits – Outgoing push payments
  • Debits – Authorized pull transactions
  • Requests for Payment (RfPs) – Initiated or fulfilled payment requests
  • Static or Variable Amounts – Fixed payments or tiered/subscription models

Ask us how:

  • How to download FedNow® transactions from bank dashboard
  • Export FedNow® payment files in JSON, XML, CSV, or Excel
  • Access FedNow® RfP history for static or variable billing
  • ISO 20022 transaction export from FedNow®
  • FedNow® and RTP® transaction file download guide for businesses
 

Benefits of Downloading FedNow® Files via FinTech or Bank Portal

With TodayPayments.com, you gain a real-time data connection to both FedNow® and RTP® payment activity. Our system ensures all your transactions are accessible, exportable, and reconcilable in your preferred format.

🧾 Rich ISO 20022 Messaging for Every Transaction

Every credit, debit, or RfP includes structured metadata that aligns with global standards — making reconciliation, auditing, and automation easier.

📁 Download Recurring Payment Data Instantly

Whether payments are static or vary month to month, our tools let you extract the full cycle of transactions for each client or customer.

🔄 Cross-Network Interoperability

You can download FedNow® or RTP® files from a unified dashboard, simplifying back-office workflows and cash forecasting.

📊 Integrate with ERP or Accounting Systems

Export files can be synced with QuickBooks®, NetSuite®, Xero, and other financial tools — eliminating manual entry and reducing reconciliation time.

FedNow® + RTP®: One Format, Two Rails, Total Control

The FedNow® Service and RTP® Network are built for speed, but the businesses that win are those that can access, analyze, and act on their payment data — no matter which rail was used.

At TodayPayments.com, we prioritize interoperability over competition, offering:

  • Unified export tools for both FedNow® and RTP®
  • Multi-format download options with ISO 20022 compliance
  • Real-time insight into aging RfPs and unclaimed credits or debits
  • Complete data visibility, whether you're the payer or payee

Whether you're downloading files for compliance, analysis, or automation, we make your transaction data easy to access and impossible to overlook.

FREE Real-Time Payments Bank Reconciliation%
✅ "FREE" RfP Aging & Real-Time Payments Bank Reconciliation – with all merchants process with us. Real-Time Payments Bank Reconciliation

To support merchants and finance teams of all sizes, TodayPayments.com offers free downloadable templates, including:

  • Aging Accounts Receivable Worksheet: Pre-built with 15, 30, 60, 90+ day tracking
  • Bank Reconciliation Templates: Instantly match payments with deposits across batches
  • ISO 20022 File Format Samples: Plug-and-play structures for batch uploads and RfP message testing

To download FedNow transaction files from your bank or credit union, you typically follow these general steps. Please note that specific steps may vary based on your bank's online banking platform:

  1. Log in to Your Bank or Credit Union's Online Banking Portal:
    • Visit the website of your bank or credit union.
    • Enter your login credentials to access your account.
  1. Navigate to the Transaction History or Activity Section:
    • Look for a section labeled "Transactions", "Activity", "Statements", or similar. This section might be under a menu labeled "Accounts" or "Banking".
  1. Select the Date Range:
    • Choose the date range for the transactions you want to download. You may have options like "Last 30 days", "Last 60 days", or you can specify a custom date range.
  1. Choose the File Format:
    • Look for an option to download transactions. Your bank might offer formats like .csv, .qbo (QuickBooks), .ofx, or .qfx.
    • Select the .csv format if available, as it's a common format for importing into accounting software.
  1. Download the File:
    • Click on the download button or link to generate the file.
    • Save the downloaded file to your computer in a location where you can easily find it.
  1. Verify the Downloaded File:
    • Check the downloaded file to ensure it contains the transactions you need.
    • Open the file with a spreadsheet program like Microsoft Excel or Google Sheets to review its contents.
  1. Optional: Repeat for Multiple Accounts:
    • If you have multiple accounts (e.g., checking, savings), repeat the process for each account to download their transaction files separately.
  1. Save and Organize Files:
    • Create a folder on your computer to store downloaded transaction files.
    • Save each downloaded file with a clear and descriptive name that includes the account name and date range.
  1. Securely Store Your Files:
    • Ensure that the folder where you store your transaction files is secure and backed up regularly to prevent loss of data.

By following these steps, you should be able to successfully download FedNow transaction files from your bank or credit union's online banking portal. If you encounter any difficulties, you may want to reach out to your bank's customer support for assistance.

Get Instant Access to Your FedNow® Transactions — Only at TodayPayments.com

You shouldn’t have to wait or guess when it comes to payment visibility. With TodayPayments.com, you can:

✅ Download your FedNow® Credits, Debits, and RfPs
✅ Export data in JSON, XML, CSV, or Excel
✅ Use ISO 20022-rich data to automate reconciliation
✅ Integrate exports into your ERP, billing, or accounting platform
✅ Work across both FedNow® and RTP® from one dashboard

📥 Power your payment intelligence with TodayPayments.com.
Start downloading, reconciling, and winning with real-time financial transparency.
👉 Visit https://www.TodayPayments.com today — where visibility meets velocity.

 

ACH and both FedNow Instant and Real-Time Payments Request for Payment ISO 20022 XML Message Versions.
The versions that NACHA and The Clearing House Real-Time Payments system for the Response to the Request are pain.013 and pain.014 respectively. Predictability, that the U.S. Federal Reserve, via the FedNow ® Instant Payments, will also use Request for Payment. The ACH, RTP® and FedNow ® versions are "Credit Push Payments" instead of "Debit Pull.".

Reconcile invoices with our Download FedNow File Transactions Solutions


Activation Dynamic RfP Aging and Bank Reconciliation worksheets - only $49 annually

1. Worksheet Automatically Aging for Requests for Payments and Explanations

- Worksheet to determine "Reasons and Rejects Coding" readying for re-sent Payers.
- Use our solution yourself. Stop paying accountant's over $50 an hour. So EASY to USE.
- No "Color Cells to Match Transactions" (You're currently doing this. You won't coloring with our solution).
- One-Sheet for Aging Request for Payments (Merge, Match and Clear over 100,000 transactions in less than 5 minutes!)
- Batch deposits displaying Bank Statements are not used anymore. Real-time Payments are displayed "by transaction".
- Make sure your Bank displaying "Daily FedNow and Real-time Payments" reporting for "Funds Sent and Received". (These banks have Great Reporting.)

2. Bank Reconciliation with as Payee FedNow & Real-Time Payments for Accrual, Cash and Hybrid Basis and QBO - Undeposited Funds

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

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