Create FedNow File

Once your FedNow® file is created, uploading it to a FinTech platform or bank is the next step.

Depending on your integration, you can:

🔁 Batch Upload Through Secure Dashboards

Login to your partner bank’s or FinTech provider’s dashboard and upload .XML, .CSV, or .Excel files using drag-and-drop or scheduled batch delivery.

🔄 API-Driven JSON File Submission

For FinTechs and developers, JSON FedNow® files can be uploaded directly through APIs with full request-response tracking.

🧠 Smart Routing Based on Network Support

The system automatically routes FedNow® or RTP® requests based on the recipient’s banking network, ensuring interoperability and instant confirmation.

💡 Recurring and Variable Billing

Upload files containing static or dynamic invoice values and let your automation engine handle RfP status, retries, or reminders.

Interoperability Is the Future: FedNow® and RTP® Work Better Together

FedNow® and RTP® are not competitors — they’re complementary. The modern business doesn’t need to choose between them. Instead, it needs a solution that supports both.

TodayPayments.com allows businesses to:

• Create RfP files compatible with both networks
• Upload via a single interface regardless of receiving bank
• Track aged or fulfilled payments with ISO 20022 precision
• Manage recurring billing cycles across either rail

This interoperability ensures you never miss a payment — and always have real-time visibility, regardless of format, timing, or destination.

Creating a FedNow .csv file involves formatting your payment data correctly and ensuring it complies with the FedNow specifications. Here's a step-by-step guide on how to create this file and upload it into your bank's dashboard.

Step 1: Prepare the Data

Ensure you have the following data for each payment:

1. Payment Reference ID
2. Amount
3. Sender "Payee" Account Number
4. Receiver "Payer" Account Number or Nickname, Moniker, Username, etc.
5. Receiver "Payer" Routing Number
6. Payment Date
7. Payment Description

Step 2: Create the .csv File

You can use a spreadsheet application like Microsoft Excel, Google Sheets, or a text editor to create the .csv file.

1. Open your preferred spreadsheet application.
2. Enter the column headers as follows:

javascript

Payment Reference ID, Amount, Sender "Payee" Account Number, Receiver "Payer" Account Number, Receiver "Payer" Routing Number, Payment Date, Payment Description

3. Enter your payment data under each column.

Example:

4. Save the file as FedNowPayments.csv.

Step 3: Validate the .csv File

Ensure your .csv file adheres to the formatting rules:

• Each field should be separated by a comma.
• Dates should be in YYYY-MM-DD format.
• Avoid extra spaces or special characters.

Step 4: Upload the .csv File to the Bank’s Dashboard

1. Log in to your bank's online portal.
2. Navigate to the FedNow section. This may be under payments or transfers.
3. Select the option to upload a .csv file.
4. Choose your file. Click on the upload button and select the FedNowPayments.csv file from your computer.
5. Review the uploaded data. The bank's system will typically show a preview of the data.
6. Submit the upload. Confirm and submit the file for processing.

Sample .csv Content

Here is what a sample FedNowPayments.csv file might look like:

javascript

Payment Reference ID, Amount, Sender "Payee" Account Number, Receiver "Payer" Account Number, Receiver "Payer" Routing Number ,Payment Date, Payment Description 12345, 500.00, 123456789, 987654321, 021000021, 2024-05-15, Invoice Payment 12346, 1500.00, 123456789, 123456780, 021000022, 2024-05-16, Salary Payment

Troubleshooting Tips

• Formatting Errors: Ensure there are no extra spaces and all required fields are filled.
• Bank-Specific Requirements: Check if your bank has any specific formatting requirements or additional fields.
• File Encoding: Ensure the .csv file is saved in UTF-8 encoding if you encounter any character-related issues.

Following these steps should allow you to create and upload a FedNow .csv file successfully. If you encounter any issues, refer to your bank's support documentation or contact their customer support for further assistance.

Upload Your FedNow® Payment Files With Confidence

Your business doesn’t have time for manual invoicing or outdated payment rails. With TodayPayments.com, you get:

✅ Pre-built templates for JSON, XML, Excel, and CSV
✅ ISO 20022-compliant message structures
✅ Instant upload to banks or FinTech platforms
✅ Real-time confirmation of Credits, Debits, and RfPs
✅ Full automation for recurring invoices and collections

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

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

🚀 It’s time to simplify, automate, and accelerate your payment operations.
Start creating and uploading FedNow® files today with https://www.TodayPayments.com — and bring your payment systems into real-time alignment.