SMART TERMINAL

Accept payments with our smart terminal point-of-sale (POS) system.

Get a powerful POS system in a compact, handheld terminal.

Compare options

BONUS OFFER

Start earning up to $1,000 back.1

Find your payment solution.

  •

    Choose from the options below and apply for a new U.S. Bank Payment Solutions Account by December 31, 2025, to be eligible.

Start taking payments.

  •

    Accept payments in-store, online or on the go and settle card payments over a three-month period.

Get your statement credit.

  •

    Keep your payments account open and get a statement credit equivalent to the transaction fees you’ve spent over three months (up to $1,000 back).1

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

Cash management

U.S. Bank's cash management services give you greater control over your finances. Use online & mobile banking, cash flow forecasting, payment add-ons and more.

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. Promotional offer is available with establishment of a new payment processing account by new or existing U.S. Bank customers, not currently using Elavon as their merchant processing services provider. Offer may not be combined with any other Merchant Services promotions or incentives. Association Partners, registered Payment Facilitators, and certain other business types with specialized pricing are not eligible for this offer. To qualify you must:

    • Open, and be approved for, a new U.S. Bank Payment Solutions Merchant Account (MID) by December 31, 2025.
    • Account must be open and actively accepting and settling payments at the time the monthly statement credits are being calculated and applied in order to receive the rebate. Merchant account must be in good standing with no outstanding recovery balance.
       

    The monthly statement credit will appear in the Fees/Charges Category of the merchant statement in the fourth month following account opening, not to exceed the $1,000 credit maximum. The promotional credit is based on total account fees and charges billed during the initial three (3) months following new account opening, excluding equipment, chargebacks, and adjustments for each respective month. 

    For example, a new merchant account opened and approved on July 14, 2025, will immediately begin qualifying for credits on eligible monthly account fees and charges billed. The cumulative credit for the three (3) months following approval will appear on the November 2025 merchant statement.

    In addition to the $1,000 cap, the statement credit amount cannot exceed total eligible monthly fees and charges actually billed and collected. Such statement credit may be adjusted to solely offset the eligible monthly account statement fees and charges billed and collected. U.S. Bank and/or Elavon, a U.S. Bank subsidiary, reserve the right, in their sole discretion, to modify, suspend or terminate the promotion at any time.

  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.