How FedNow® Aliases & RTP® Work for Seamless Multi-Account Payments

FedNow® Aliases allow users to register multiple email addresses or phone numbers and link them to multiple bank accounts across different banks, providing unparalleled convenience for real-time payments (RTP®).

Instead of manually entering long and complex bank account details for every transaction, users can simply provide an alias (email or phone number), and the FedNow® Hub automatically filters and directs the payment to the correct linked account.

How the FedNow® Hub Ensures the Correct Bank Account is Used

1️⃣ The payer enters an email or phone number instead of a bank account.
2️⃣ The FedNow® Hub verifies the alias and determines the correct linked bank account.
3️⃣ If the alias is linked to multiple accounts, the system selects the most relevant account based on transaction type (B2B, C2B, B2C).
4️⃣ The payment is routed securely to the correct financial institution.
5️⃣ Funds are transferred instantly—no errors, no waiting, no reversals.

💡 This alias-based system removes complexity, reduces payment errors, and ensures smooth, real-time banking transactions across multiple accounts.

Ask us how:

How businesses can use FedNow® Aliases & RTP® to manage multiple bank accounts securely.
The benefits of linking multiple emails and phone numbers to different bank accounts using FedNow®.
How FedNow® & RTP® enable instant, alias-based payments across multiple banks.
How the FedNow® Hub filters transactions to ensure payments reach the correct account.

Why Businesses & Individuals Should Use FedNow® Aliases & RTP® for Payments

1. Multiple Aliases for Flexible Transactions

🚀 Link multiple email addresses and phone numbers to different bank accounts.
💰 Separate personal and business transactions by linking different aliases to different accounts.

2. Instant, Real-Time Payments Across Multiple Banks

🔒 No more waiting for ACH or wire transfers—FedNow® & RTP® settle payments in seconds.
✅ Funds are immediately available in the correct bank account without manual intervention.

3. Simplifies Payments for B2B, C2B, and B2C Transactions

✅ B2B: Businesses can route payments to the correct accounts for vendors, suppliers, and partners.
✅ C2B: Customers can pay businesses securely using a registered alias.
✅ B2C: Businesses can disburse payroll, refunds, and payments instantly.

4. Reduces Banking Errors & Increases Security

🔒 Using aliases eliminates the need to share sensitive bank account details.
✅ Transactions are filtered through the FedNow® Hub to ensure accuracy and prevent fraud.

5. Works with Multiple Banks for Ultimate Financial Control

🏦 Manage accounts at different banks and receive payments directly in the right account.
🔄 Automatically route payments to the best account for each transaction.

FedNow® & RTP® – How They Work Together for Faster Transactions

Both FedNow® and RTP® provide secure, real-time payments, allowing businesses and consumers to make instant transactions with certainty of good funds.

Comparison Table: FedNow® vs. RTP®

Feature	FedNow®	RTP®
Processing Speed	Instant (Seconds)	Instant (Seconds)
Alias-Based Payments (Email/Phone)	Yes	Yes
Multiple Linked Bank Accounts	Yes	Yes
Chargebacks Allowed?	No	No
Transaction Fees	Low or None	Low or None
24/7 Availability	Yes	Yes
Best Use Cases	B2B, C2B, B2C	B2B, C2B, B2C

 

💡 Key Takeaway: Both FedNow® and RTP® provide secure, alias-based, real-time payments that eliminate chargeback risks, reduce costs, and improve financial control for businesses and consumers.

How to Get Started with FedNow® Aliases & RTP® for Multi-Account Banking

Step-by-Step Guide to Setting Up Multi-Alias Banking:

✅ Step 1: Ensure Your Bank Supports FedNow® & RTP®.
✅ Step 2: Register Multiple Email Addresses & Phone Numbers as Aliases.
✅ Step 3: Link Each Alias to the Correct Bank Account for Different Transactions.
✅ Step 4: Enable Alias-Based Payments in Your Payment System.
✅ Step 5: Start Sending & Receiving Payments Using the Best Alias for Each Transaction.

🔹 Once set up, businesses and individuals can manage multiple accounts seamlessly, improve financial control, and process transactions in real time.

Upgrade to FedNow® Aliases & RTP® with TodayPayments.com

💡 Are you juggling multiple bank accounts for business and personal payments? It’s time to simplify your transactions with FedNow® Aliases & RTP®!

Business Owners & Entrepreneurs: Route payments to different accounts automatically.
Freelancers & Contractors: Manage multiple revenue streams with different aliases.
Retailers & Service Providers: Accept real-time customer payments with no chargebacks.
Banks & Financial Institutions: Offer your customers the fastest, most secure payment solution available today.

🔹 With TodayPayments.com, integrating FedNow® Aliases & RTP® into your banking and financial management has never been easier!

🚀 Sign up at TodayPayments.com today and start managing multiple accounts effortlessly!