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Real, in-depth research on real-time payments

Companies that adopted real-time payments early are already seeing positive impacts on their business. RTP is helping them digitally transform, and do so quicker than they thought. Read the results of our survey of more than 1,000 large U.S. companies to see how RTP is driving change.

Automate invoice processing and optimize payments.

Transform your invoice-to-pay process.

Our modular AP solution, U.S. Bank AP Optimizer®, automates one or all parts of your AP process. Manage your entire invoice-to-pay process within a single accounts payable automation (AP automation) solution to improve efficiency and control while reducing fraud risk.

Maximize your accounts payable strategy.

From ACH to electronic payments, combine payment solutions to enhance efficiency, prioritize security and maximize working capital. Use new payment channels to manage spend and control payment speed to meet your goals and the needs of payees or trading partners.

Manage spend with corporate credit card solutions.

Transform your payables with a corporate credit card program that can help you drive down costs, improve oversight and increase efficiency.

  • Improve your purchasing processes.
  • Manage your business travel expenses.
  • Automate your payables processes.

Support global operations with a cross-border payment strategy.

Get expert guidance and solutions to help your organization expand globally. We can help you optimize your foreign investments, global cash management, international trade and global payments processing.

Optimize AP processes through comprehensive web-based tools.

Manage your accounts payable processes through SinglePoint®, our proprietary web portal for treasury services. 

  • Convenient access to all your treasury tools, all in one place, Including electronic payments and reporting.
  • A flexible rules-based entitlement and user management system to help you control your payments workflow.

Keep pace with new, digital AP technologies.

Let us help you assess and apply innovative payments technologies in ways that best align to your strategy and goals. We're partnering with fintechs to bring new solutions and capabilities, from developing API-enabled solutions to launching faster electronic payments, to market quickly that help you better manage your working capital and accounts payable operations.

Read insights about accounts payable and AP technologies.

Maximize treasury management analytics.

Building your organization’s analytics program requires expanding how you track data and using tools to make data actionable. Learn how data and analytics can help streamline your operational and strategic treasury functions, including liquidity and cash flow management.

Optimize treasury payments with digital connectivity.

Getting the most from your banking relationships means faster, easier and more secure digital connections. Discover simple digital payment solutions to maximize efficiency and effectiveness with today's technology to deliver the experience your customers demand.

Use these tips to strengthen your fraud prevention program.

Reducing fraud risk is an ever-evolving effort and challenge for business leaders. We’ve assembled a checklist of fraud prevention measures you should consider, including internal controls, online fraud protection tips and paper check controls.

Contact our accounts payable and payment disbursement experts.

Digitizing your accounts payable and payment disbursement processes doesn’t have to be intimidating. Rely on U.S. Bank and our team of experienced professionals to guide you.

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Disclosures

The creditor and issuer of U.S. Bank credit cards is U.S. Bank National Association, pursuant to separate licenses from Visa U.S.A. Inc., MasterCard International Inc. and American Express. American Express is a federally registered service mark of American Express.

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.

U.S. Bank AP Optimizer® is a registered trademark of U.S. Bank N.A.

U.S. Bank AP Optimizer is powered by Paymode-X. Bottomline Technologies and Paymode-X are trademarks of Bottomline Technologies, Inc and may be registered in certain jurisdictions. Eligibility requirements, other conditions and fees may apply. Services mentioned may be subject to credit approval. Deposit products offered by U.S. Bank National Association. Member FDIC.

RTP® is a registered trademark of The Clearing House Payments Company LLC.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

U.S. Bank and SinglePoint are registered trademarks of U.S. Bank National Association.