PAYMENT PROCESSOR

Take control of your cash flow and get funds fast.

Keep your business moving forward with a payment processor that delivers fast funding, every day.

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Get more from your payment processing provider.

Statement analysis

Our complimentary statement analysis service identifies hidden fees and unnecessary expenses associated with your current processing service.

Enhanced cash flow

Access your funds through your U.S. Bank business checking account seven days a week, including weekends. Funds are transferred to your account within hours of batch closure.1

Payment optimization

With commercial and debit card optimization, your card transactions qualify for the lowest applicable interchange rates.

Offset fees

Accept credit card payments with a surcharge to offset the costs of the card acceptance. Debit card payments carry one flat rate.

Get deposits within hours with Everyday Funding.1

At U.S. Bank, we can help with the fastest funding in the payment processing industry. Get access to funds seven days a week so you can pay bills quicker, cover your unplanned expenses faster and improve your cash flow efficiency.

How Everyday Funding1works.

  1. Accept payments from your customers.
  2. Close out your batch.
  3. Funds are deposited into your U.S. Bank checking account within hours.
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Stay up to date on your payment activity with Payments Insider®.

Payments Insider integrates into your everyday workflow so you can access information regarding your U.S. Bank merchant account from any device. Securely manage your payment acceptance account with robust reporting and account management capabilities.

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Competitive rates. Better value.

Learn about our transaction fee rates so you get the most for your money. Transaction, hardware and sales tax fees may still apply. 2

Swipe, tap, insert
2.60% + 10¢

For physical or tap-to-pay card payments made by customer.

Manual Transaction
3.50% + 15¢

For card payments where you enter manual card details for customer in person or over-the-phone.

Online Payments
2.90% + 30¢

For digital or ecommerce purchases online.

Let’s connect.

Explore locations

Find the U.S. Bank branch nearest you.

Make an appointment

Schedule a virtual or in-person meeting with a business banker.

Request a call

Fill in details about your banking needs and a representative will call you.

Call us

Call 800-432-9413 to talk with a representative right away.

Looking for something else?

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Disclosures

  1. Everyday Funding is available at no additional charge to U.S. Bank Payment Solutions merchants with a U.S. Bank Business Checking account. Funding speed is dependent on batch times and will be processed every day, including weekends and holidays. 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.

  2. U.S. Bank Payment Solutions are powered by Elavon, a wholly owned subsidiary of U.S. Bank NA. Elavon assesses the following transaction fees, depending on the acceptance method for the credit card payment:

    Swipe, tap, insert: 2.60% of transaction amount + 10 ¢ per item
    Manual transaction: 3.50% of transaction amount + 15 ¢ per item
    Online payments: 2.90% of transaction amount + 30 ¢ per item

    Disclosed transaction fees apply for online applications. Transaction fees may vary and other fees may apply for accounts not opened online.

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Deposit products are offered by U.S. Bank National Association. Member FDIC.

U.S. Bank Payment Solutions are powered by Elavon, a wholly owned subsidiary of U.S. Bank NA, and may have different privacy and security policies than U.S. Bank. For additional details, refer to the information found on the U.S. Bank Payment Solutions Privacy & Terms of Service page.