Find faster payment solutions that meet your needs.

Enable your business to match payment types to customer preferences and the information payees are comfortable providing. Not every payment type is available to every payee, so building a holistic strategy can make sure you use the right payment at the right time.

INSTANT PAYMENTS

RTP® network and FedNow® Service

Instant payments deliver access to funds 24 hours a day, every day, including weekends and holidays. With automated processing, you can simplify initiation of payments up to $10 million through the RTP network and $500,000 through the FedNow Service. Rich and real-time data allows you to track the full payment lifecycle and see where funds sit at any time.

ZELLE®

Disbursements via Zelle ®

Through the Zelle® network you can seamlessly transfer funds to clients who have an eligible checking or savings account. All you need to know is their email address or U.S. mobile phone number. More than 150 million Americans can access Zelle® through their mobile banking application.

PUSH-TO-CARD

Send funds to eligible cards.

Push-to-card lets you send individual payments within minutes to any eligible Visa or Mastercard debit or prepaid card in the U.S., while reducing manual tasks and the high costs of issuing checks. Since push-to-card is powered by Visa Direct, you can have confidence that payments will be secure thanks to industry-leading fraud monitoring and detection.

Solutions that provide multiple payment options

Payee Choice

Payee Choice lets you provide digital disbursement options to payees. Streamline payments while creating a superior experience. Offer payment choices via instant payments, Zelle®, push-to-card, ACH, prepaid cards or checks within a single platform.

Pay Smart

Benefit from our Pay Smart intelligent routing service, which allows you to capture significant savings and efficiencies with automated, rules-based payments origination. Pay Smart recommends instant payments when available, and prioritizes alternative payment options.

When you need to incorporate the latest capabilities, we can connect you.

We have the solutions and the connections to help you build a comprehensive digital payment strategy. Choose to connect through APIs, file transmission or SinglePoint, our online cash management portal. Embed payments into the systems, tools and platforms you already use to make life easier for your customers, company and supply chain partners.

Trends and insights about faster payments

Man and woman looking at a cell phone and discussing a payment.

Can faster payments mean better payments?

Along with rapid remittance, new payment technologies could provide increased ease, efficiency and information for receivables, as well as payables. The key to success is figuring out which technology to use – and when.

Male and female coworker in an office and reviewing accounting information on a laptop.

Instant payments are disrupting treasury.

The expansion of instant payments via FedNow and the RTP network is having real-world impact on businesses, governments and consumers as the digital payment ecosystem evolves.

Let’s talk about faster payments.

If you want to find out how a faster payments ecosystem can help your company and your customers, reach out to our team.

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Disclosures

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

FedNow® is a registered trademark of the Federal Reserve Bank.

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

To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Terms and conditions apply.

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.

Deposit products are offered by U.S. Bank National Association. Member FDIC.