Automate invoice processing and optimize payments.

Transform your invoice-to-pay process.

Our modular AP solution, U.S. Bank AP Optimizer®, automates one or all parts of your AP process. Manage your entire invoice-to-pay process within a single accounts payable automation (AP automation) solution to improve efficiency and control while reducing fraud risk.

Optimize check payment processes

In a world of increased digital transformation, traditional payment methods like ACH, wires and checks can still play an important role in your payment mix. And with check processing and escheatment solutions, you can continue to accept checks while reducing manual and paper processes, too.

Manage spend with corporate credit card solutions.

Transform your payables with a corporate credit card program that can help you drive down costs, improve oversight and increase efficiency.

  • Improve your purchasing processes.
  • Manage your business travel expenses.
  • Automate your payables processes.

Support global operations with a cross-border payment strategy.

Get expert guidance and solutions to help your organization expand globally. We can help you optimize your foreign investments, global cash management, international trade and global payments processing.

Eliminate costly check issuance expenses.

Transform the way you manage payments with U.S. Bank prepaid solutions. With a scalable approach and deep resources, we offer business-to-consumer solutions for a variety of disbursement needs—all while maintaining the highest level of security.

Optimize AP processes through comprehensive web-based tools.

Manage your accounts payable processes through SinglePoint®, our proprietary web portal for treasury services. 

  • Convenient access to all your treasury tools, all in one place, Including electronic payments and reporting.
  • A flexible rules-based entitlement and user management system to help you control your payments workflow.

Keep pace with new, digital AP technologies.

Let us help you assess and apply innovative payments technologies in ways that best align to your strategy and goals. We're partnering with fintechs to bring new solutions and capabilities, from developing API-enabled solutions to launching faster electronic payments, to market quickly that help you better manage your working capital and accounts payable operations.

Read insights about accounts payable and AP technologies.

Is treasury management ready for AI?

Artificial intelligence is grabbing headlines as companies try to better understand how to use and how not to use it. AI could greatly improve the efficiency of corporate treasury management if deployed with an understanding of where it can improve processes and reduce costs.

Should you use wire or ACH for international payments?

When it’s time to make a cross-border payment, how do you know whether you should send the payment via wire or ACH? In this article, you’ll learn some ideal uses for ACH and how to prepare for the transition to using it seamlessly.

Use these tips to strengthen your fraud prevention program.

Reducing fraud risk is an ever-evolving effort and challenge for business leaders. We’ve assembled a checklist of fraud prevention measures you should consider, including internal controls, online fraud protection tips and paper check controls.

Contact our accounts payable and payment disbursement experts.

Digitizing your accounts payable and payment disbursement processes doesn’t have to be intimidating. Rely on U.S. Bank and our team of experienced professionals to guide you.

Start of disclosure content


The creditor and issuer of U.S. Bank credit cards is U.S. Bank National Association, pursuant to separate licenses from Visa U.S.A. Inc., MasterCard International Inc. and American Express. American Express is a federally registered service mark of American Express.

Prepaid Cards are issued by U.S. Bank National Association pursuant to a license from Visa U.S.A. Inc. or Mastercard® International Incorporated. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. Member FDIC.

Notice: Foreign-denominated transactions are subject to foreign currency exchange risk. Customers are not protected against foreign currency exchange rate fluctuations by FDIC insurance, or any other insurance or guaranty program.

The foregoing products are available solely for business transactions and not for personal, family or household transactions.

U.S. Bank AP Optimizer® is a registered trademark of U.S. Bank N.A.

U.S. Bank AP Optimizer is powered by Paymode-X. Bottomline Technologies and Paymode-X are trademarks of Bottomline Technologies, Inc and may be registered in certain jurisdictions. Eligibility requirements, other conditions and fees may apply. Services mentioned may be subject to credit approval. Deposit products offered by U.S. Bank National Association. Member FDIC.

RTP® is a registered trademark of The Clearing House Payments Company LLC.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

U.S. Bank and SinglePoint are registered trademarks of U.S. Bank National Association.