Version: 1.0

Payee Choice

Enable customer digital payments and eliminate the need for applications to store sensitive payee account data.
large hero image


The Payee Choice API allows businesses to integrate applications and initiate payment requests directly out of an application while minimizing the risk of stale payments. Once U.S. Bank receives a payment request, payment recipients are empowered to create a payment profile and manage how payments are controlled and received. Once a payment preference is selected, U.S. Bank will process a payment request, ensuring a payee receives funds based on their preference type. Payments can be made through electronic transfer, prepaid cards, Zelle®, Real-Time Payments (RTP) and check.


Send a payee profile enrollment invitation.

Prior to submitting a payment request, send an enrollment invitation to your payee, allowing them to create their payment profile and set up their payment preference. Applications can also trigger reminder communications to payees who have not yet completed their payee profile enrollment.

Search for payee profiles.

Submit search criteria to receive qualified payee profile results. Check the status of a payee's profile setup or view their preferred payment type.

Make a payment.

Submit one or more payment instructions in a single request. Payees will be sent payments based on their payment type preference. If payment instructions are received for a payee who has not yet created a payee profile, an enrollment invitation will be triggered prior to the payment being processed.

Status updates via webhooks.

Receive notifications from the Payee Choice platform when payee profile setup is completed.


Payee Choice - workflow

Example use cases

Manage marketplace platform payments.

A new online exchange platform is looking to implement a low touch, scalable solution to ensure sellers receive payments quickly and securely. With the U.S. Bank Payee Choice API solution, sellers can select between receiving payments by Zelle, check, electronic funds transfer, Real-Time Payments or prepaid card. The online exchange platform can automate their payables operations, avoid storing sensitive customer account data on their system and increase user satisfaction by delivering multiple payment options.

Ensure payment certainty for insurance claim disbursements.

An insurance company needs a frictionless claims payment solution. Customers are frustrated that their insurance claims payments take so long to receive. The Insurance company's accounting department has been tracking an increase of outstanding check payments, causing more delays to their month-end processes and administrative overhead to reissue stale checks. After integrating their claims payment system with Payee Choice, the insurance company sees an increase of customers opting in to receive claims payments through the Zelle and Real-Time Payments (RTP) networks. Customer satisfaction scores increase, and accounting and treasury departments spend less time on accounts reconciliation and reissuing checks.


  • Companies wishing to implement Payee Choice must meet credit qualifications for payables products.
  • Payments sent over the RTP payment rails are limited to $100,000 per payment request.