Surcharging FedNow® – The Best Instant Payment Solution for Subscription & High-Risk Businesses

Surcharging FedNow®: The Best Instant Payment Solution for Subscription Businesses & High-Risk Merchants

Why High-Risk & Subscription Businesses Are Choosing Surcharging FedNow®

Businesses in high-risk industries or those with bad credit often face difficulty securing merchant accounts or high processing fees on credit card transactions. Surcharging FedNow® provides the perfect alternative, offering:

• Instant, real-time payments—No more waiting for ACH or wire transfers to clear.
• Payer covers transaction fees—Merchants receive the full invoice amount.
• State regulation compliance—Avoid legal complications associated with credit card surcharges.
• Automated recurring payments—Seamlessly process subscription payments with no processing fees.
• Zero chargeback risks—Unlike credit cards, FedNow® transactions are irreversible.

Key Benefits of Surcharging FedNow® for SMBs, Subscription Businesses, & High-Risk Merchants

✅ Pass Processing Fees to the Payer – Eliminate Merchant Costs

• Merchants receive 100% of their invoice payments—no deductions.
• Eliminates costly credit card interchange fees (typically 2.5% - 3.5% per transaction).
• Subscription businesses can charge customers directly without losing revenue to processing fees.

✅ Instant Real-Time Payments – No Delays or Settlement Wait Times

• Unlike Same-Day ACH or wire transfers, FedNow® payments settle instantly.
• Businesses gain immediate access to cash flow, with no banking hour restrictions.
• No more waiting for batch processing, bank approvals, or pending transactions.

✅ One-Time & Variable Recurring Payment Support

• Accept one-time instant payments with zero merchant fees.
• Ideal for subscription-based businesses and high-risk industries needing automated recurring billing.
• Supports flexible recurring payment options for customers on monthly or usage-based plans.

✅ Request for Payment (RfP) Digital Invoicing for B2B Transactions

• Businesses can send invoices instantly via RfP and get paid in real-time.
• Automated reconciliation with QuickBooks®, Xero, and NetSuite for seamless bookkeeping.
• Eliminates manual invoice tracking, reducing errors and late payments.

✅ No PCI Compliance Requirements – Reduce Security & Fraud Risks

• PCI DSS compliance is required for businesses handling credit card transactions—FedNow® eliminates this burden.
• End-to-end encryption ensures secure transactions without merchant liability.
• Reduces fraud risks, chargebacks, and credit card disputes that high-risk businesses frequently face.

✅ Perfect for Businesses with Bad Credit

• Unlike traditional merchant accounts, FedNow® does not require credit checks.
• Even businesses with low or no credit history can accept payments instantly.
• Removes the financial barriers to accepting digital payments.

✅ Avoid State Regulations on Payment Surcharges

• Many states regulate or ban credit card surcharges, making it difficult for businesses to pass processing costs to customers.
• With Surcharging FedNow®, there are no surcharges on the merchant side—the payer absorbs transaction fees.
• Ensures legal compliance in states with strict credit card fee laws (e.g., California, New York, Texas).

✅ 24/7/365 Payment Availability – No Banking Hour Restrictions

• Unlike ACH and wire transfers, which depend on banking hours, FedNow® operates 24/7.
• Accept payments anytime, including weekends and holidays.

✅ Enhanced Security & Fraud Protection

• End-to-end encryption and authentication ensure secure transactions.
• Unlike credit card payments, FedNow® transactions cannot be reversed, reducing fraud risks.
• ISO 20022 messaging compliance ensures transaction transparency and security.

How Surcharging FedNow® Benefits Subscription Businesses & High-Risk Merchants

Faster Business-to-Business (B2B) Payments

• Instantly pay suppliers, vendors, and service providers without delays.
• No ACH transfer holds, wire transfer fees, or pending credit card settlements.

Ideal for E-Commerce & Subscription-Based Businesses

• Accept real-time payments, improving customer satisfaction and cash flow.
• Faster order fulfillment and instant payment confirmations.

📈 Perfect for Recurring Billing & High-Risk Transactions

• Automate monthly, quarterly, or annual recurring payments with RfP invoicing.
• Reduce failed transactions and customer disputes.
• Supports flexible subscription pricing models.

🏦 Optimized Payroll & Contractor Payments

• Pay employees, freelancers, and contractors instantly via FedNow®.
• Reduce payroll processing costs and eliminate direct deposit fees.

Upgrade to Surcharging FedNow® with TodayPayments.com

Are you ready to pass transaction fees to the payer, eliminate processing costs, and accept instant payments?

With Surcharging FedNow®, your business can:

 Pass transaction fees to the payer and eliminate processing costs
 Accept instant real-time payments—Funds settle in seconds
 Automate invoicing with Request for Payment (RfP)
 Support one-time and variable recurring payments
 Enhance security and eliminate chargebacks

Start accepting real-time, fee-free payments today! Sign up with TodayPayments.com now.