Accept payments everywhere, every way with customized payment processing solutions.

Optimize payment processing to lower costs.

Streamline business processes, mitigate fraud and reduce the cost of payment processing with our suite of transaction optimization solutions and services.

  • Significantly reduce processing rates for purchases made with commercial cards through Level 2 and Level 3 processing.
  • Lower debit card acceptance costs by authorizing them via the most cost-effective debit network.
  • Offset transaction costs with card brand-compliant acceptance fee programs including Convenience Fees, Service Fees, and Credit Card Surcharge.

Simplify cash flow management with faster funding.

Everyday Funding provides secure, faster funding to improve cash flow management and liquidity.

  • Enable more accurate reconciliation and more easily manage operations and expenses.
  • Receive funds within hours of batch closure, 24/7, including holidays and weekends.
  • Available at no additional cost to companies with a U.S. Bank Demand Deposit Account (DDA).
Customer tapping their phone to pay at a store.

No matter the industry, we have payments covered.

Our dedicated teams of industry specialists understand the nuances of your business and the pivotal role payments play in driving revenue. Through payments integration, you can seamlessly manage and secure all transactions while expediting cash flow.

Protect payment data and prevent payment fraud.

Safely transmit payment data, reduce risk and minimize fraud to increase receivables and improve the customer experience. We offer advanced payment security and authentication solutions including encryption, tokenization, validated P2PE, and 3D Secure 2.0 as well as support to help validate and maintain PCI-DSS compliance.

  • Mitigate fraud, increase transaction authorization rates and retain customers with advanced fraud prevention solutions and services.
  • Partner with our data security professionals to implement payment solutions and treasury management processes that simplify PCI DSS compliance validation.
  • Improve Days Receivables Outstanding by tokenizing card data for repeat and recurring transactions.

Insights on payment processing

Woman working on a laptop computer.

Reduce the costs of card acceptance.

You can quickly implement payment optimization solutions without making a big investment or interrupting operations.

Young woman holding a credit card and using her phone to make a payment

How governments can modernize payments to help citizens

Text-to-pay, kiosk payment and PDF e-billing can help governments provide constituents ways to securely pay for services — how, when and where they want. Flexible options also help people pay on time, boosting revenue flow.

Nurse speaking to a patient in a clinic

How integrating payment delivers better outcomes

Keep these important factors in mind when evaluating a healthcare payment integration strategy.

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Disclosures

Notice: Foreign-denominated transactions are subject to foreign currency exchange risk. Customers are not protected against foreign currency exchange rate fluctuations by FDIC insurance, or any other insurance or guaranty program.

The foregoing products are available solely for business transactions and not for personal, family or household transactions.

Everyday Funding is available at no additional charge to U.S. Bank customers with a U.S. Bank Demand Deposit Account (DDA). Funding speeds will vary between weekdays and weekends, and are dependent on batch times. Funding is based on batch and will be processed every day, including weekends. Activation may take between three to five business days from date of Everyday Funding service request. Once the file is activated, there will be a change in the description of the payment when it is posted to your bank account.