What is Request for Payment and how does it work?

Request for Payment allows billers to send invoices directly to your bank's bill pay system. You can then view and respond to the Request for Payment. Here's how it works:

  1. Request for Payment starts when you agree to pay the biller using the Real Time Payment network and provide them your bank account information.
    • If you haven't enrolled before, the biller will send a notice to confirm your enrollment.
  2. The biller sends a Request for Payment bill to U.S. Bank.
  3. We'll send you an email and notice in digital banking with the biller's name, amount to pay, and due date.
  4. You'll have the option to pay instantly, schedule the payment for a future date, or dismiss the request.
    • If you approve, funds are sent immediately via Real Time Payment to the biller.
    • If dismissed, the request is no longer available on the bill pay dashboard.

There's no cutoff time and there's no delay due to a non-business day. That means, you can send an instant payment 24 hours a day, seven days a week at no additional charge. 

If you'd don't respond to the Request for Payment, it'll remain on the Bill Pay dashboard until the expiration date and time set by the biller. After that, you'll no longer see it listed. Note, this might be different from the payment due date and time.