Automate accounts payable with the power of Paymode-X®.

With AP Optimizer, you are connected to the Bottomline Paymode-X® network of more than 500,000 suppliers. U.S. Bank provides full-service support to help you enroll new suppliers, as well as manage and securely maintain their information.

Start paying network suppliers immediately upon implementation with AP automation and quickly benefit from increased efficiency, reduced payment fraud risk and new rebate revenue opportunity.

Get more with a fully integrated AP solution.

Accelerate invoice-to-pay processing.

Automate all invoice processing steps from receipt through capture, matching, coding, reviews and approvals. Digitize workflows, exception management and approvals all while enhancing governance for your organization.

  • Reduce paper invoices and manual processes.
  • Improve efficiency and productivity.
  • Decrease costs, errors and risk.

Streamline B2B and B2C payments.

Disburse B2B and B2C payments from the same system using a single payment instruction file. Integrated payables saves time, reduces risk and simplifies reconciliation.

  • B2B: virtual card (rebate), Premium ACH (rebate), ACH, wire, check.
  • B2C: Zelle®, RTP®, ACH, prepaid card, check.
  • Reduce reconciliation exceptions.
  • Accelerate the move to higher-value digital payments.

Improve visibility and control with one system.

Monitor workflow progress from invoice receipt through payment within the same system. Easy-to-use dashboards and real-time reporting broaden enterprise-wide oversight.

  • Access complete audit and compliance reporting data from a single source.
  • Identify potential fraud, out-of-policy activities and errors.
  • Track progress toward goals using timely, accurate data.

Enhance security and reduce payment fraud risk.

Sophisticated safeguards protect every step of processing. B2B supplier entity and account information are validated during enrollment and securely stored to protect sensitive account information.

AP Optimizer prevents unauthorized access through:

  • Multi-factor authentication
  • State-of-the-art controls
  • Fraud-resistant workflows

Find answers to your questions about AP automation.

Expert guidance to automate your invoice-to-pay process.

How AP automation simplifies business and consumer payments

Your suppliers and customers have different payment requirements and needs. AP automation can save time and reduce costs by combining separate disbursement paths for suppliers and consumers into a single integrated payables process.

Create an AP automation strategy to optimize revenue and payments

The procure-to-pay lifecycle is ripe for automation. Start your AP automation journey to not only save money, but also identify optimizations you can make to your business using data and analytics.

Discover award-winning treasury management innovation

U.S. Bank earned Model Bank awards at Celent’s 16th annual Innovation and Insight Week for advances in Digital Commercial Client Onboarding and AP Workflow Optimization.

Start of disclosure content

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.

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

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

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.