<p>U.S. Bank downloads and stores cookies on your device when you visit our website. We use these cookies to better understand and improve your browsing experience by identifying most visited pages, personalizing content, and measuring site performance.</p>


Essential cookies enable core functionality such as page navigation and access to secure areas. The website cannot function properly without these cookies; they can only be disabled by changing your browser preferences.

Performance cookies help us to improve our website by collecting and reporting information on its usage (for example, which of our pages are most frequently visited).

Cookie settings

Accounts

Corporate cards

Institutional

Lending

Payments & collections

Transportation

All APIs

API products

Solution Areas

Product Suites

Solutions

Dashboard

Resources and guides

Developers

Support tickets

Contact us

Support

### Manage marketplace platform payments.
 Your online exchange platform has a website that customers use to buy and sell pre-owned vehicles. Today, your platform has limited options for customers to receive payments. The Payee Choice API gives your payees more payment options and lets them set up their payment preferences. Payments can be received by using Zelle®, electronic funds transfer, prepaid debit card or check. Payees quickly receive a payment and can use it toward their vehicle purchase on the platform.

### Ensure payment certainty for insurance claim disbursements.
Your insurance company needs a frictionless payment solution that distributes claims to your customers quickly. Outstanding check payments have increased and caused delays to your month-end accounting process and required stale checks to be reissued. After integrating your claims payment system with the Payee Choice API, your company sees an increase of Zelle® and Real-Time Payments (RTP) payments, customer satisfaction scores increase, accounting and treasury departments spend less time on account reconciliation and fewer checks are reissued.

Example use cases

- Companies wishing to implement Payee Choice must meet credit qualifications for payables products.
- Payments sent over the RTP payment rails are limited to $1 million per payment request.


Restrictions

<p>Enable customer digital payments and eliminate the need for applications to store sensitive payee account data.</p>


Payee Choice

The Payee Choice API allows you 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, payees 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 ACH electronic transfer, prepaid cards, Zelle®, RTP® - Real-Time Payments and check.

Overview

### Enroll your payee.
- Send an enrollment invitation to your payee.
- Enable payee to create their payment profile and set up their payment preference.
- Send reminders 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.

### Retrieve payee details.
Retrieve a payee's contact information, status, activation date, payment preference and any additional payee information included in the API.

### Receive payee status updates via webhooks.
Receive a notification when the payee profile setup is complete.

### Make a payment.
- Submit one or more payment instructions in a single request.
- Send payments based on payee payment type preference.
- Send enrollment invitation for a payee that has received a payment request but has not yet created a payee profile.

### Search for payments.
- Submit search criteria to receive payment results.
- Search by payee ID, payment reference number, payee name, email, phone number, date range, payment amount, payment status or payment type.

### Retrieve payment details.
Retrieve payee information, payment amount, reference number and any additional payment information included in the API.

### Receive payment status updates via webhooks.
Receive a notification when the payment status changes.

Features

![Payee Choice - workflow](/content/dam/developer-portal-solutions/en-us/usbank/media/images/products/payee-choice/payee-choice-workflow.jpg)

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 Connect

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 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

Sandbox quick start

Onboarding quick start

Security guide

Idempotency key

API reference

Test your integration

Webhook subscription

Webhook

Application error codes

Postman collection

Release notes

Overview

Features

Workflow

PREVIOUS VERSIONS

PRODUCT DOCUMENTS

Example use cases

Restrictions