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### ISV payment Integration
An independent software vendor integrates Avvance Connect to add financing as a payment option in their eCommerce platform. Customers choose Avvance during checkout, are redirected to U.S. Bank’s hosted application, and the system receives real-time status updates—ultimately driving higher conversion rates. 

### Home service platform
A home service platform incorporates Avvance Connect into its invoicing system. Service providers can offer financing options on service invoices. The platform sends invoice data to the API, and customers complete their loan applications via a bank-hosted page. Pre-approval leads ensure proactive engagement, while void and refund capabilities help manage post-service transactions. 

### Healthcare software
A healthcare software solution integrates Avvance Connect to offer financing for high-ticket medical services. The system leverages the Pre-Approval API to give patients an upfront indication of their purchasing power. As patients proceed with financing, real-time webhooks keep healthcare providers informed, ensuring a smooth and compliant financing experience.


Example use cases

<p>Embed US Bank Avvance as a financing payment type onto point-of-sale. U.S. Bank manages the consumer loan application process.</p>


Avvance Connect

Avvance Connect empowers third party point-of-sale platforms to add consumer financing as a payment option with full control over the merchant experience—all while U.S. Bank manages the consumer loan application process. By integrating with our robust set of APIs, you can:

* Rapidly deploy a secure, compliant financing flow.
* Leverage pre-built API components such as the Financing Initiation API, Pre-Approval API, and real-time Webhooks.
* Provide merchants with actionable pre-approval leads, comprehensive transaction management (void/refund), and full reporting capabilities.

This solution is tailored for platforms that want to enhance their payment ecosystem, improve conversion rates, and drive revenue growth without sacrificing control over the customer journey.

Overview

* **Pre-approval API and leads**: Get a merchant-specific pre-approval link to a U.S. Bank hosted flexible financing page that allow consumers to check their purchasing power without impacting their credit score. Receive pre-approval leads via webhook to enable proactive merchant engagement.
* **Financing initiation API**: Accepts shopping cart and invoice data to generate a unique consumer application link, which is then shared via email, SMS, or QR code. This link redirects customers to a U.S. Bank–hosted loan application.
* **Real-time webhooks**: Receive instant notifications on critical loan application events (e.g., application started, approved, declined, authorized). These updates ensure your system remains in sync with every step of the consumer’s financing process.
* **Transactional capabilities**: Manage the full lifecycle of financing transactions with APIs for voiding unsettled transactions and processing refunds on settled transactions, ensuring a complete and transparent flow.
* **Merchant onboarding and servicing tools**: Enroll new merchants or integrate financing into existing accounts through our dedicated merchant portal. Access robust reporting, KPI dashboards, marketing and training libraries, and guided product offering changes.

Features

![Avvance Connect - workflow](/content/dam/developer-portal-solutions/en-us/usbank/media/images/products/avvance-connect/avvance-connect-workflow.png)



Workflow

Alliance Offers

Data as a Service

Invitation to Apply

Bank Holidays

Card Activation

Card Controls

Challenge-Widget

Commercial Credit Cards

Commercial Statements

Credit Card Account Details

Credit Card Accounts Overview

Credit Card Alerts

Credit Card Application Status

Credit Card APRs

Credit Card Balance Transfers

Credit Card Disputes

Credit Card Payments

Credit Card Qualified Offers

Credit Card Statements

Credit Card Transactions

Data Sharing for Marketing Purposes

Digital Wallets

Make a Payment - Coming Soon

Rewards Accelerator

Rewards Automatic Redemption

Rewards: Balance Summary

Rewards: Dashboard

Rewards Redemption Accounts

Rewards Redemptions

Rewards Transactions: Earned and Redeemed

Travel Notifications

User Profile

3DSecure2

CheckoutJs

Commerce SDK

Converge

Disputes Management

Dynamic Currency Conversion

eBoarding

Elavon Cloud Payments Interface

Elavon Payment Gateway

Fusebox

Hosted Payment Page

In Person Payments on Opayo

Leads

Lightbox payment modal

Online Payments on Opayo

Opayo

Opayo Direct

Opayo Forms

Opayo Reporting API

Opayo Server

Opayo Shared API

Payment Method Gateway

Payments Core 365

Simplify

viaconex

XML API

Card as a Service API

Core Banking API

Money Movement API

Reference API

Access Online Transactions

Account Transfers

Account Validation

ACH Originations

Avvance Express

Avvance Flex

Bank Information

Card as a Service

Check Payables

Corporate Account Information

Corporate Account Information 3LO

Corporate Credit Cards

Corporate Onboarding

Corporate Statements

Custody

Data Toolbox

Data Toolbox - Accounts

Data Toolbox - Documents

Data Toolbox - Transactions

Debit Card Phone Number Lookup

Disbursements via Zelle®

U.S. Bank Flexible Capital Platform

Freight Payment Customer Profiles

Freight Payment Transactions

Incoming Webhooks

Instant payments

Investment Accounting

PaySmart

Payee Choice

Payee Token+

Personal Loans

Positive Pay

Push to Card

Receivables

RTP® - Real-Time Payments

Tokenized Payments

Treasury Builder

U.S. Bank FBO Account

Virtual Account Reporting

Virtual Card Payments

Voyager Accounts

Voyager Cards

Voyager Drivers

Voyager Transactions

Voyager Vehicles

Wire Transfers

Documentation

Integration and sequence diagram

Sandbox quick start

Onboarding quick start

Security guide

API reference

Testing your integration

Webhook subscription

Application error codes

Postman collection

Release notes

Overview

Features

Workflow

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PRODUCT DOCUMENTS

Example use cases