Lower the total cost of accepting card payments.

What if you could give your customers the flexibility and convenience to pay the way they want while simultaneously achieving substantial cost savings for your business? Our payment solutions feature automation tools and dynamic transaction routing that can do just that and help you:

  • Optimize transactions made in-person, online or via invoices.
  • Lower or eliminate acceptance costs.
  • Reduce fraud and chargebacks.
  • Stay compliant with card network rules.

Guidance to get the most from card payment processing

Explore how to reduce costs by optimizing payment processing.

Interchange rates and fees vary by type of card, industry segment and acceptance channel. Here are three steps you can take to lower transaction cost:

  • Analyze the current environment and setup
  • Discover opportunities for improvement
  • Implement cost-saving solutions

Drive value to the bottom line with payment optimization solutions.

Hear our consultants explain how to save money and operate more efficiently without incurring additional costs.

  • Level 2 and Level 3 processing
  • PIN debit and least-cost routing
  • Service fees, convenience fees and credit card surcharge

Optimize service fees for the public sector with these tips.

Learn how government and higher education institutions can implement service fees by charging your cardholders a small fee to:

  • Offset costs of acceptance fees
  • Expand payment acceptance
  • Improve efficiency and customer experience

Payment Optimization e-book

Access insights to make payment processing less complex.

U.S. Bank Payment Optimization solutions help reduce acceptance fees without additional set up costs while offering smart savings to business and government agencies. Read why now is the time for Payment Optimization:

  • 46% of CFOs struggle to balance cost cutting and future investment1
  • 35% of CFOs lack awareness of new technology within finance function1
  • 14.2% increase in U.S. eCommerce sales from 2020 to 20212

Our payment optimization consultants can help.

Talk to our payment consultants to learn how payment optimization can help your organization reduce card acceptance costs, mitigate risk and meet industry and card brand compliance standards.

Our suite of payment solutions to explore include:

Contact your U.S. Bank relationship manager or banker today to get started.

Answers to questions about optimizing card payment processing

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