Automate accounts payable with the power of Paymode-X®.

With AP Optimizer, you are connected to the Bottomline Paymode-X® network of more than 500,000 suppliers. U.S. Bank provides full-service support to help you enroll new suppliers, as well as manage and securely maintain their information.

Start paying network suppliers immediately upon implementation with AP automation and quickly benefit from increased efficiency, reduced payment fraud risk and new rebate revenue opportunity.

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Get more with a fully integrated AP solution.

Accelerate invoice-to-pay processing.

Automate all invoice processing steps from receipt through capture, matching, coding, reviews and approvals. Digitize workflows, exception management and approvals all while enhancing governance for your organization.

  • Reduce paper invoices and manual processes.
  • Improve efficiency and productivity.
  • Decrease costs, errors and risk.

Streamline B2B and B2C payments.

Disburse B2B and B2C payments from the same system using a single payment instruction file. Integrated payables saves time, reduces risk and simplifies reconciliation.

  • B2B: virtual card (rebate), Premium ACH (rebate), ACH, wire, check.
  • B2C: Zelle®, RTP®, ACH, prepaid card, check.
  • Reduce reconciliation exceptions.
  • Accelerate the move to higher-value digital payments.

Improve visibility and control with one system.

Monitor workflow progress from invoice receipt through payment within the same system. Easy-to-use dashboards and real-time reporting broaden enterprise-wide oversight.

  • Access complete audit and compliance reporting data from a single source.
  • Identify potential fraud, out-of-policy activities and errors.
  • Track progress toward goals using timely, accurate data.

Enhance security and reduce payment fraud risk.

Sophisticated safeguards protect every step of processing. B2B supplier entity and account information are validated during enrollment and securely stored to protect sensitive account information.

AP Optimizer prevents unauthorized access through:

  • Multi-factor authentication
  • State-of-the-art controls
  • Fraud-resistant workflows
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Find answers to your questions about AP automation.

Accounts Payable automation (AP automation) uses technology to replace paper documents and manual accounts payable tasks with digital files and electronic workflows. AP automation streamlines all AP processing tasks digitally from invoice acceptance, review and approval through payment disbursement and reconciliation to reduce errors and provide real-time payment visibility.

Best-in-class solutions also provide comprehensive supplier enrollment support to accelerate the migration to digital payment methods like virtual credit cards and ACH transactions.

AP Optimizer is a modular AP automation solution from a trusted financial institution leader that integrates directly into your organization’s ERP or accounting systems. AP automation eliminates the time-consuming and inefficient task of creating multiple payment instruction files for disparate payment systems. Our solution lets you upload a single file to disburse B2B virtual credit card, ACH, wire and check payments, and B2C Zelle®, RTP, ACH, prepaid card and check payments.

Because a payment isn’t complete until it’s matched with a settlement record and closed in an ERP system, AP Optimizer automates reconciliation by assigning a unique transaction ID to each payment. Invoices and support documents are digitized, standardized and electronically routed for review and approval for payment disbursement within the same system for streamlined visibility.

Invoice-to-pay refers to the tasks associated with accepting and paying supplier invoices. AP departments frequently manage this operation with a combination of manual and partially automated processes using multiple, disparate systems.

AP Optimizer automates AP tasks from the point of invoice receipt through payment disbursement and reconciliation in one system. Our AP automation solution integrates into your ERP for seamless data transfer and disburses multiple payment methods from one payment instruction file. Detailed coding protocols automate reconciliation by matching open payables and settlement records so payments can be efficiently closed out in your ERP.

Combining B2B and B2C payments in a single instruction file saves time by eliminating the need to create separate files. Consolidating the disbursement process saves money by moving  a greater percentage of payments from check to electronic methods. It also reduces the time spent and risk associated with collecting, storing and managing B2C payee’s sensitive bank account information.

Expert guidance to automate your invoice-to-pay process.

How AP automation simplifies business and consumer payments

Your suppliers and customers have different payment requirements and needs. AP automation can save time and reduce costs by combining separate disbursement paths for suppliers and consumers into a single integrated payables process.

Streamline your B2B and B2C payments

Create an AP automation strategy to optimize revenue and payments

The procure-to-pay lifecycle is ripe for automation. Start your AP automation journey to not only save money, but also identify optimizations you can make to your business using data and analytics.

Read tips to optimize revenue

Discover award-winning treasury management innovation

U.S. Bank earned Model Bank awards at Celent’s 16th annual Innovation and Insight Week for advances in Digital Commercial Client Onboarding and AP Workflow Optimization.

Learn about the award
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Disclosures

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.

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

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

Prepaid cards are issued by U.S. Bank National Association pursuant to a license from Visa U.S.A. Inc. or Mastercard International Incorporated. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.