FedNow Send Transactions Outstanding
Businesses, merchants, CFOs, and A/R teams researching the benefits and features of FedNow® — particularly in relation to DSO (Days Sales Outstanding), aging accounts receivable (A/R), and outstanding send transactions.
TodayPayments.com is the intelligent platform for businesses seeking to automate real-time receivables, reduce DSO, and manage FedNow® transaction aging. With support for ISO 20022, JSON, XML, CSV, and Excel files — we bring visibility and control to your outstanding send transactions across both FedNow® and RTP® networks.
Our mission is to help businesses accelerate revenue by providing the tools to track, analyze, and automate outstanding FedNow® transactions using ISO 20022-compliant file formats. We empower companies to reduce DSO, eliminate aged receivables, and streamline real-time financial operations with clarity and precision.
Turn Outstanding FedNow® Transactions Into Accelerated Cash Flow
FedNow® has introduced a new era of instant payment rails, but many businesses are still struggling to optimize their Days Sales Outstanding (DSO) and monitor aging accounts receivable (A/R) from real-time transaction data.
Whether you're sending money or requesting payment, visibility into outstanding FedNow® send transactions is essential for healthy cash flow. With TodayPayments.com, businesses can now download and upload FedNow® files using ISO 20022-rich data formats like JSON, XML, CSV, and Excel — allowing you to streamline receivables, reduce DSO, and eliminate revenue bottlenecks.
Real-time payment speed means nothing without real-time reconciliation and reporting. Let’s explore how to transform your FedNow® transaction data into powerful tools for A/R automation.

✅ "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
Track FedNow® Send Transactions Outstanding and Reduce Your DSO
When FedNow® is used for outbound payments or as a response to a Request for Payment (RfP), businesses must track what was sent, what was received, and what’s still outstanding. Outstanding send transactions can quietly extend your DSO, impact working capital, and stall invoice settlements.
Key Use Cases:
- B2B recurring billing with variable amounts
- Subscription-based payments using RfP workflows
- Outstanding disbursements that haven’t been reconciled
- Cross-network transactions (FedNow® vs RTP®) pending status
Supported File Formats for Monitoring:
- .JSON – Real-time transaction export for platform syncing
- .XML – ISO 20022-compliant rich data structure
- .CSV – Easily imported to A/R systems or ERPs
- .Excel – Finance-friendly format for manual A/R workflows
Ask us how:
- Track FedNow® send transactions outstanding from bank dashboard
- Lower business DSO using real-time FedNow® payments
- Download FedNow® files to automate aging accounts receivable
- ISO 20022 A/R insights using FedNow® credits and debits
- Reconcile FedNow® transactions with variable invoicing
How FedNow® Credits, Debits, and RfPs Help Solve Aging A/R Challenges
TodayPayments.com empowers businesses to not only send and receive FedNow® payments, but to also manage and automate accounts receivable in real-time — thanks to downloadable, structured payment files.
🔄 Instant Tracking of Sent & Outstanding Transactions
Download transaction data filtered by date, client, invoice number, or status — see what’s unpaid or pending instantly.
🧾 Automated Aging Reports
Group aging receivables into custom date ranges (0–30, 31–60, 61–90, 90+ days) using ISO 20022 metadata from JSON/XML files.
💡 Centralized Dashboard for DSO Visibility
Whether you're sending via FedNow® or RTP®, all outstanding transactions appear in one interface for simplified financial forecasting.
📤 Upload Back Into Bank or FinTech Portals
Reconcile transactions by uploading updated payment files back into your system — complete with aged status and comments.
From FedNow® Speed to Financial Strategy: Interoperability is the Key
Speed is only part of the solution. What businesses need now is interoperability across rails — with clear, downloadable data that drives measurable improvements in DSO and cash management.
TodayPayments.com ensures your operations are:
- Network-agnostic — Compatible with FedNow® and RTP®
- Data-driven — Using ISO 20022-rich files to support audit and compliance
- Forward-looking — Focused on real-time receivables automation
Regardless of the rail, format, or transaction type, your business can view, download, and act on send transactions like never before.
Calculating FedNow Send Transactions Outstanding in an Excel template involves tracking and managing payment transactions sent through the FedNow service. Below is a general guide on how you might set up an Excel template to monitor and analyze outstanding FedNow transactions:
1. Data Setup:
- Headers:
- Create column headers in Excel for essential information, such as Transaction ID, Sender's Name, Amount, Send Date, Expected Settlement Date, and Transaction Status.
- Data Entry:
- Enter the details of each FedNow transaction into the respective columns.
2. Status Tracking:
- Transaction Status:
- Include a "Transaction Status" column to track whether the transaction is outstanding, settled, or voided.
3. Calculate Outstanding Transactions:
- Calculate Days Outstanding:
- Create a "Days Outstanding" column to calculate the number of days each transaction has been outstanding. Use a formula like:
excelCopy code
=IF([Transaction Status Cell] = "Outstanding", TODAY() - [Send Date Cell], 0)
4. Categorize Outstanding Transactions:
- Age Categories:
- Create age categories based on the days outstanding, such as "Current," "1-30 Days," "31-60 Days," etc. Use IF statements or VLOOKUP to categorize transactions.
5. Analysis and Reporting:
- Total Outstanding Amount:
- Create a formula to calculate the total outstanding amount. Use the SUMIFS function to sum amounts based on age categories.
- Charts and Graphs:
- Use charts or graphs to visualize the distribution of outstanding transactions based on age categories.
6. Automation and Alerts:
- Conditional Formatting:
- Apply conditional formatting to highlight overdue transactions or specific age categories for better visualization.
- Automated Alerts (Optional):
- If using Excel for real-time monitoring, set up automated alerts or notifications when transactions are overdue or meet certain criteria.
7. Regular Updates:
- Data Entry Updates:
- Regularly update the Excel template with new FedNow transactions and mark settled or voided transactions accordingly.
8. Documentation and Audit:
- Documentation:
- Keep a record of transactions, updates, and any adjustments made for audit and reference purposes.
9. Integration (if applicable):
- Integration with FedNow System:
- Explore integration options with the FedNow system or any associated APIs for real-time data updates.
Remember that the specific columns and formulas may vary based on your unique requirements and data structure. Additionally, it's important to regularly reconcile your Excel template with the actual FedNow transaction data to ensure accuracy. If there are changes or updates to the FedNow service, you may need to adjust your Excel template accordingly.
Lower Your DSO. Automate Aging. Get Paid Faster with TodayPayments.com
If you're still guessing which FedNow® transactions are outstanding — or manually aging receivables — it’s time to modernize your approach.
✅ Download send transaction
files from bank or FinTech dashboards
✅ Monitor
outstanding FedNow® Credits, Debits, and RfPs
✅ Automate DSO tracking with ISO 20022 rich data
✅ Upload .JSON, .XML, .CSV, and .Excel into your
accounting or ERP system
✅ Use one dashboard
for both FedNow® and RTP® visibility
📊 Transform your
receivables process.
Visit
https://www.TodayPayments.com — and turn your FedNow®
transaction data into revenue certainty, not reporting chaos.
How to FedNow Send Transactions Outstanding
Request for Payment, a new standard for digital invoicing facilitating real-time payments RTP ® and FedNow ®
payments that are instant, final (irrevocable - "good funds") and
secure.
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.".
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.)
Each day, thousands of businesses around the country are turning their transactions into profit with real-time payment solutions like ours.