Optimize payment processing to lower costs.

Streamline business processes, mitigate fraud and reduce the cost of processing payments with our suite of transaction optimization solutions and services.

Lower processing rates

Significantly reduce processing rates for purchases made with commercial cards through Level 2 and Level 3 processing.

Lower acceptance costs

Lower debit card acceptance costs by authorizing them via the most cost-effective debit network.

Lower transaction costs

Reduce transaction costs with card brand-compliant acceptance fee programs including Convenience Fees, Service Fees and Credit Card Surcharge.

 

Optimize your payments

No matter the industry, we have payments covered.

Our dedicated teams of industry specialists understand the nuances of your business and the pivotal role payments play in driving revenue. Through enterprise payment options, you can seamlessly manage and secure all transactions while expediting cash flow.

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Protect payment data and prevent payment fraud.

Safely transmit payment data, reduce risk and minimize fraud to increase receivables and improve the customer experience. Our payment platforms offer advanced payment security and authentication solutions including encryption, tokenization, validated P2PE, and 3D Secure 2.0 as well as support to help validate and maintain PCI-DSS compliance.

  • Mitigate fraud, increase transaction authorization rates and retain customers with advanced fraud prevention solutions and services.
  • Partner with our data security professionals to implement payment solutions and treasury management processes that simplify PCI DSS compliance validation
  • Improve Days Receivables Outstanding by tokenizing card data for repeat and recurring transactions.
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Report: Create better business outcomes with a strong payments strategy.

We surveyed 250 finance professionals at enterprise companies to find out how they’re using payments strategies to boost resilience and enhance customer experience. Responses from leaders in healthcare, lodging, government and retail provide a broad spectrum of insights we’ve compiled into a report to help inform your own thinking.

Access report

Insights on payment processing

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Reduce the costs of card acceptance.

You can quickly implement payment optimization solutions without making a big investment or interrupting operations.

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How governments can modernize payments

Text-to-pay, kiosk payment and PDF e-billing can help governments provide constituents ways to securely pay for services — how, when and where they want. Flexible options also help people pay on time, boosting revenue flow.

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How integrating payments delivers better outcomes

Keep these important factors in mind when evaluating a healthcare payment integration strategy.

Get payment processing solutions

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Disclosures

The creditor and issuer of U.S. Bank charge cards is U.S. Bank National Association, pursuant to separate licenses from Visa U.S.A., Inc., and Mastercard® International Inc.

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.

Certain state or local laws may restrict or limit the amount of the surcharge percentage. Although we offer surcharging in most states, Merchants are responsible for determining the legality of surcharging in their states, and merchants are liable if their activities are found to be unlawful. Credit card surcharge applies to credit card only, not available on debit cards.