The first step is to set up an account with a bank that offers Merchant Services, like U.S. Bank. The “merchant acquiring bank” acts as an intermediary between the business and the credit card company, facilitating payment authentication and other technical aspects, so you can accept credit cards and other electronic payments. Once the electronic payments are processed and approved, the bank distributes the funds into your merchant account.
PAYMENT SOLUTIONS FOR SMALL BUSINESS
Accept payments online, in-store, or on the go
Run your business better.
Whether you’re an up-and-comer or an established pro, U.S. Bank Payment Solutions offers merchant card processing services that adjust to the way your business flows, so you can spend more time focusing on your business and the passion that powers it.
Payment solutions as unique as your business
From restaurants and bars to services and retailers, in-store and online, POS solutions from U.S. Bank provide powerful business management capabilities, while delivering safe and secure credit card processing.
U.S. Bank POS solutions can be tailored to meet the unique needs of any industry, including:
Retail
Sell in-store and online seamlessly, with built-in tools for inventory management, sales and staffing.
Restaurants
Streamline and speed up your restaurant operations, from front-of-house to back-of-house and from pickup to delivery.
Services
Schedule appointment bookings and timed services online, take tips, create invoices, sell products and services, track inventory and much more.
Medical practices
Go paperless and get paid faster. Credit card processing streamlines front office operations to provide better patient and staff experiences.
Run your business in-store or on-the-go.
Whether you would like to accept payments from your mobile phone or need an in-store terminal, take payments without paying big software or hardware fees.
Manage your online operations
Improve your business operations while giving you ecommerce tools to help increase your revenue. Plus, it can scale up seamlessly as your business grows.
More reasons to choose U.S. Bank as your payment processing provider.
Industry-leading funding speed
Everyday Funding gives you access to your funds within hours, seven days a week, so you can increase your cash flow.
Payment optimization
Our payment optimization program offers three great ways to help reduce the cost of payment acceptance – surcharge, debit card optimization and commercial card optimization.
Learn more about how merchant services can help manage your business.
Keep your restaurant running smoothly.
Improve your business operations with the latest tech tools.
3 benefits of integrated payments in healthcare.
Manage your clinic more efficiently with a digital solution that shares data across programs for medical records, billing and payments.
Improve cash flow with faster funding.
Reduce uncertainty so you can financially plan for your business’ cash flow needs.
Frequently asked questions
As you would when making any business decision, find a provider with a proven track record. Investigate their technical support options and hours. Make sure their rates are competitive within the industry and reasonable. Be wary of processors that advertise rates that are significantly lower than the rates others charge (chances are those rates will increase, or there are hidden fees they are not disclosing). Also, make sure they won’t cap your monthly processing volume. If you’re having a record month for sales, you don’t want to discover that you can’t accept any more payments without paying extra fees. Lastly, consider the specific needs of your business and make sure the merchant account provider offers the type of processing that you and your customers need.
A Merchant Services account is one set up with a “merchant acquiring bank” that allows you to accept credit and debit cards and other electronic payments processed and approved, your bank distributes the funds into your merchant account
No matter your size or industry, we offer a variety of payment solutions that will meet your business (and your customers’) needs. View the range of payment solutions we have available to our U.S. Bank Merchant Services customers.
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