Faster payments

Create payment efficiencies from rapid change.

New technologies and new payment networks are changing the way money moves. These advancements impact the way you manage your business and evolve customer and vendor expectations. We’re here to help you through the challenges of a rapidly changing payment landscape with solutions that solve real business problems.

Uncover the impact innovation has on payments.

Two emerging events are driving payments innovation:

  • Changing expectations for the way we make and receive payments
  • More payment choices enabled by new networks

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The role of data in payments innovation and why it matters.

The power of payments and data working together can accelerate your business. Rich data that's easily accessible makes reconciliation more automated, helps manage risk and most importantly, allows you to enrich your relationship with customers, suppliers, employees and stakeholders.    

Past significance

  • Processing payments data has historically proven challenging.
  • Reconciliation matters as much as speed.

Future data integration

  • Integration provides real-time access to data.
  • New innovations change the way data is processed.

Why it matters to you

  • Immediately access payment information.
  • Reduce the data you manually reconcile.

Develop next-generation payments and working capital solutions to impact your financial journey.

Payments innovation makes it easier for you to connect with various payment networks, whether you’re logging into SinglePoint®, sending us bulk payment files directly from your ERP, accounting or treasury systems, and/or using APIs to interact with us.

Understand where the world is going.

Our product development focus starts with understanding changing dynamics and trends at both an industry and client level. We strive to offer your organization solutions that will be relevant both now and in the future as business norms evolve.

Leverage emerging technology to enhance your experience.

We’re learning and adapting to new technologies, such as artificial intelligence, machine-learning and blockchain. We're working to optimize and enhance our payments solutions to create meaningful impact to your business.

Focus on ease of integration and use.

Our customers use a variety of enterprise applications within their organizations that send and receive data related to payments and collections activities. We offer a full-suite of integration options that can help you connect your applications and ensure a seamless flow of payments data.

A unique and client-centric approach to innovation.

We’re working to harness the industry-leading, most innovative solutions wherever they arise. Whether from mainstream system providers, innovative start-ups or our own industry-unique in-house innovation team, we’re focused on uncovering and deploying relevant solutions.

Your needs and real-world challenges inform solutions.

Your feedback is paramount. It drives our agile approach of engaging our clients early and often throughout the product development life cycle.

How we solve your payment challenges.

We’re enhancing existing banking services and exploring new networks. We were one of the first banks live on the RTP® network and the first bank to initiate a payment. We keep risk management at the center of our solutions with a highly scalable and automated payments processing infrastructure. We have the specialized knowledge and expertise to protect payments as we increase our processing speed.

Real-time payments (RTP®)

Send and receive instant payments with RTP to create efficiencies.

Automate payment processing

Disbursements via Zelle®

Gather recipient payment information and get funds to your consumers faster.    

Disburse payments to consumers

Same Day ACH

Process check conversions payments and “just in time” vendor payments.

Faster electronic payments

Expense Wizard™

Reduce business travel hassle with a mobile wallet, intuitive virtual assistant and automatic expense reporting – all in an easy-to-use mobile app.    

U.S. Bank Expense Wizard

eBill Service

A cloud-based billing and payment platform to collect consumer payments.

Receivables with eBill

Push to card

Businesses push funds to payee bank account using a debit card.

Payee Choice

Make payments via Zelle, ACH and check easier for your payees and offer choice.

Request for Pay

Leverage the RTP network to send requests for payment direct to clients.

Visit insights on U.S. Bank Financial IQ.

Can faster payments mean better payments?

Along with rapid remittance, new payment technologies could provide increased ease, efficiency and information for receivables, as well as payables. The key to success is figuring out which technology to use – and when.

Read more

Real-Time Payments: The next major treasury disruptor?

Organizations are gradually warming to the idea of real-time payments. What are they expecting to see from the technology in the next few years?    

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Three ways to make practical use of real-time payments

Discover how organizations can put real-time payment technologies into practical use, from bill payments to intelligent routing and low-value wires.

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