SMART TERMINAL

Accept payments with our smart terminal and earn $400 back in a statement credit.1

Streamline your cash flow today with our handheld smart terminal solution to start earning your $400 statement credit.

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BONUS OFFER

Get your $400 statement credit in 4 simple steps1

How it works:

 

  1. Open a new U.S. Bank Payment Solutions account between April 1, 2026 and June 30, 2026.
  2. Authorize and settle at least $5,000 in payment transactions within 60 days of account opening.
  3. Receive a one‑time $400 statement credit within 60 days after if your account is open, active and in good standing.
  4. Call today at 844-841-1114 to get started.

 

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POS functionality made easy

If you're looking for a handheld device in addition to mobile POS capabilities, smart terminal is the ideal solution.

Accept payments on the go

Take payments at the counter, in the aisle, at the table, even curbside.

Discover more ways to pay

Accept major credit and debit cards including Visa®, Mastercard®, Discover® and American Express®, and contactless options such as Apple Pay®, Google Pay® and Samsung Pay®.

Track product inventory

Manage your product inventory with up to 100 items and access insights with detailed reports.

Know your customers

Manage your customer database and track average spending activities.

Set up quickly

Whether you sell at a farmers market or own a small shop, our smart terminal gives you versatile business management tools to implement and utilize quickly.

Seamless payment experience

Enjoy the convenience of a modernized POS payment terminal that’s perfect for small businesses to provide a simplified customer experience.

Get started with a smart terminal POS.

Our smart terminal gives you the flexibility to take business on the go with added capabilities of a built-in card reader, receipt printer and optimal battery longevity, so you have the power to sell all day uninterrupted.

Rent for $15/month

Transaction, hardware and sales tax fees may still apply.2

  • Flexibility to upgrade to another solution

  • Short-term commitment

  • Low monthly cost 

Apply now

Buy for $449

Transaction, hardware and sales tax fees may still apply.2

  • Own your hardware

  • One-time payment

  • Save money on hardware cost in the long run

Apply now

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.

Build a payments platform for large operations.

Looking to build a more robust payments ecosystem? Speak with a specialist to create an equipment bundle made to scale for large or more unique business operations.

Contact an expert

Get the support you need when you need it.

24/7 support

Never miss a beat with our industry-leading
24/7 customer support. A real person is always available to answer your questions at no additional cost.

Everyday Funding3

Improve cash flow with industry-leading funding, available seven days a week, with no daily funding limits.

Safe and secure payments

With EMV (Europay, Mastercard and Visa), contactless payment options, standard industry data security and end-to-end encryption, your customer payment data is protected by the latest authentication and security technology.

Frequently asked questions

POS hardware is the physical equipment used to complete transactions, such as cash registers, barcode scanners, receipt printers, touchscreen monitors, card readers and smart terminals.

POS software manages the transaction process, calculates the total amount owed, processes payment methods, and generates receipts. It may also provide inventory management, sales reporting and other business management features.

A terminal point of sale is a handheld device used to accept card payments.

A complete POS system also includes payment processing. POS systems enable various payment methods, including cash, credit/debit cards, mobile wallets and contactless payments. They securely process these payments and record the transaction details.

The first step is to set up an account with a bank that offers payment solutions, 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.

Cash flow keeps businesses in business. You need money in your account to pay invoices, payroll and achieve your goals. Everyday Funding 3 allows you to get funding seven days a week so you can pay invoices quicker, cover your expenses faster and increase your cash flow efficiency. Everyday Funding works on weekends and weekdays which means funding is direct to your deposit account every day of the week. Everyday Funding is available at no additional cost for U.S. Bank business depository account customers with a U.S. Bank Payment Solutions account.

Accepting card payments is crucial for businesses looking to meet customer expectations, stay competitive, reduce operational costs and benefit from the added security and convenience that card transactions offer. It can ultimately contribute to the growth and success of your business in today's evolving payment landscape.

Explore related products & offerings.

in-person payments

Mobile payment solutions

Accept card and contactless payments securely from your mobile device using U.S. Bank’s mobile point of sale app.

Learn more
pay and transfer

Make payments online

Send ACH, wires, instant payments and more with U.S. Bank business payment solutions built for speed, security and streamlined cash flow.

Learn more
business savings

Business savings accounts

Find the best business savings account for you. Compare U.S. Bank account options and apply online to start maximizing your earnings.

Learn more
banking products

Business checking accounts

U.S. Bank offers various business checking accounts to help manage your cash flow. Discover our account features & benefits. Open an account today.

Learn more

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?

Go to support hub
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Disclosures

  1. Open a new U.S. Bank Payment Solutions merchant account between April 1st, 2026 and June 30th, 2026, process at least $5,000 in net settled transactions within 60 days of approval and receive a $400 statement credit. Credit is applied within 60 days after reaching $5,000, provided your account remains open, active, and in good standing with no outstanding recovery balance. Limit one credit per Merchant ID; offer is valid for U.S. merchants only. Available to new payment processing accounts for customers not currently using U.S. Bank and/or Elavon (a U.S. Bank company) for merchant processing. Cannot be combined with other promotions. Certain business types, Association Partners, Business Essentials customers and registered Payment Facilitators are ineligible. U.S. Bank may modify or end this offer at any time; additional restrictions may apply.

  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.

  3. 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.

Start of disclosure content

Google Pay, Android and Google Play are trademarks of Google LLC. Fitbit Pay is a trademark of Fitbit LLC and/or its affiliates.

Apple Pay is a registered trademark of Apple Inc. App Store is a service mark of Apple Inc.

Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.

For more detailed information on digital services and fees, refer to the Digital Service Agreement.

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

Services may be subject to credit approval. Eligibility requirements, restrictions and fees may apply. See a business banker for details.

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.