How does a Request for Payment (RfP) bill pay work and how do I get started?
To begin using RfP with bill pay, select Instant payment/RfP as the digital payment method and provide your bank account information to the biller. Note that not all billers support RfP. 
At the time of enrollment, the biller will send you a notice to confirm your enrollment. When your RfP bill is ready, the biller sends it to U.S. Bank. You’ll receive an email from U.S. Bank and a notification in mobile and online banking with the biller’s name, amount to pay and due date. You can pay instantly, schedule a payment or dismiss the request.
If you don’t respond to a RfP, it will remain on the dashboard until the expiration date and time set by the biller. Note: This may be different from the payment due date and time.

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 (RfP). 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.

More information

• 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.  
• There is no fee if you choose to pay with Request for Payment.

Can I cancel a scheduled payment for a Request for Payment?
Yes. Go directly to your biller dashboard and edit or cancel the payment where they have this digital payment option.

Can I pay a partial or more than the amount due for an Request for Payment bill?
If your biller supports amount modification, you can pay partial or more than the amount due.

How do I know the biller has received my Request for Payment payment?
You will receive a payment confirmation on your U.S. Bank mobile or online banking screen as well as an email from U.S. Bank when the RfP payment is received by the biller.

What is instant transfer via Request for Payment option?
For inbound transfers (from accounts at another financial institution to your U.S. Bank account), RfP is an instant transfer request that you can send anytime from U.S. Bank to your eligible external bank account. Your external bank will ask you to review and approve the RfP with via an alert notification.an alert notification.  Once you approve the RfP at  the transfer in your external bank, money will instantly transfer to your U.S. Bank account.

What happens if I do not complete an instant transfer via RfP with my external bank?
When you initiate an instant transfer using RfP at U.S. Bank, you will have five days to complete the transfer through your external bank. If you do not complete the transfer, the request will expire and you will need to initiate a new RfP request at U.S. Bank.