Instant Merchant Settlements


What is Instant Merchant Settlements

Instant real-time Merchant Settlements is an exciting new service brought about by the Faster Payments Initiative of the US Federal Reserve providing payments that are instant, final (irrevocable - "good funds") and secure.


About Instant Merchant Settlements

Today Payments is a leader in the evolution of instant real-time payments. We were years ahead of competitors recognizing the benefits of same-day merchant funding using Same-Day ACH funding through Same-Day Direct Deposits (ACH Push) and Same-Day Direct Payments (ACH Pull). Our customers 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. Our platform with its tools / widgets help organizations of all sizes reduce transaction costs, mitigate risk and increase efficiencies. Our system ensures proper Authentication, Authorization, Verification, Settlement, Notifications and Postings.

FastAccess Funding – Mastercard now available
FastAccess Funding gives your merchants access to their money quickly and easily. Merchants typically receive daily settlement deposits in less than five hours using their Visa debit account and now select Mastercard debit accounts. Deposits can be initiated at any time and are processed seven days a week, including holidays. Once merchants are enabled for FastAccess they can begin settlement at their terminal or point of sale to receive their total daily settlement in the account linked to their debit card.

Merchant Benefits

Convenient access and processing

Deposits processed 7 days a week, including holidays
Available for Visa debit accounts and select Mastercard* debit accounts

Funds available within hours
Typically, funds received in less than 5 hours from point of sale settlement

Integrated with current processes and procedures
No changes to the merchant’s current settlement process
Follows existing underwriting guidelines for accelerated funding
Billed monthly on the merchant statement


How it Works
FastAccess Funding replaces traditional ACH payments to a DDA. The program requires a merchant to have a debit card on-file with the merchant account.



Our Real-Time Payment Platform


Today Payments

...continues to meet the challenge of our clients by offering cost effective "good funds", real-time, instant, credit card, ACH and e-check payment processing services into the electronic payment solutions banking system. Electronic banking includes the transfer of funds between companies (B2B) and/or (B2C) consumer accounts for collection and payments. Today Payments Gateway Merchant Services gives your company choices in the method of faster payments that you can accept from your customers.
We provide services, solutions and support for all ACH formats, ACH API's, XML ACH, ISO 20022 Messaging, OFX (Open Financial eXchange), PSD (Payment Services Directive). Our payment processing platform is designed for simplicity and ease-of-use.

Process with the Instant Merchant Settlements Professionals

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  • Automation of Accounts Receivable Collection with Real-Time Settlement & Deposit
  • Automation of Accounts Payable Payments with Real-Time Settlement & Deposit
  • One-Time & Recurring Debits & Credits with Real-Time Settlement & Deposit

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


Contact Us for Instant Merchant Settlements payment processing