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Create powerful applications or use individual tools to support unique requirements through our Tokenized Payments API bundle.

### Process claim payments.
A claims manager at a national insurance company routinely issues claim payments. The company’s enterprise resource planning (ERP) system needs to follow the new NACHA rule, which requires large non-FI ACH originators, third-party service providers and third-party senders to protect deposit account information by rendering it unreadable when stored electronically.
The Payee Token+ API enables the company’s ERP system to tokenize payee deposit account information to follow the new NACHA rule. The manager enters the customer’s account and routing numbers and the validation is completed seamlessly before tokenizing, ensuring the funds are received by the intended customer.
Using the Tokenized Payments bundle, the claims manager can now originate the claim payments via ACH simply by sending the claimant’s tokens to the bank to process the claim payments.

### Process payments to college students.
An accountant who works for a university is responsible for disbursing student payments on a monthly or quarterly basis. The university holds receivables and payables accounts at U.S Bank, and the university’s software is integrated with U.S Bank APIs.
With Tokenized Payments, the accountant can pull a student’s account details in the form of tokens, which are validated and stored securely at the bank. The accountant may initiate fund transfers to students, eliminating the need to store each student’s bank details or use micro deposits to validate account ownership

Example use cases

Payee Token+ API would have its own API Keys due to the PCI compliance infrastructure. One set of API keys can be leveraged for the Account Validation and ACH Originations APIs.

Restrictions

<p>Enable client and partner applications to validate accounts, tokenize accounts and move money using tokens.</p>


Tokenized Payments

The Tokenized Payments solution allows U.S. Bank partners and clients to validate account information, tokenize account information of recipients and use the tokens for initiating ACH payments.

Overview

### Account Validation

Validate account information to process a payment.
* Access the Nationally Shared Database Resource to verify account ownership of checking and savings accounts with data from thousands of trusted financial institutions.
* Use one of three account validation responses..
<a class='link' target='_blank' href='/products/account-validation/v1'>Learn more about Account Validation</a>
### ACH Originations
Enable partner applications to securely originate same-day, standard ACH payment (credit) or collection (debit) requests.
* Originate domestic ACH payments or collections at standard or same-day speeds.
* Use tokens in place of account and routing numbers to mitigate the risk of storing recipient bank account details.
* Retrieve ACH transaction details and cancel a transaction.
<a class='link' target='_blank' href='/products/ach-originations/v1'>Learn more about ACH Originations</a>
### Payee Token+
Reduce data risk on your application by tokenizing, validating and storing your payee's account details, card numbers and other sensitive information in a highly secure enclave.
* Create a payee token for the given sensitive account information of the payee.
* Support account information for multiple payment rails.
* Retrieve details of the payee token by passing in the associated token.
<a class='link' target='_blank' href='/products/payee-token/v1'>Learn more about Payee Token+</a>

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