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### Create a virtual card payment.
A customer service representative works for a company that pays for maintenance on vehicles they lease to their customers (suppliers). To pay for the vehicle maintenance, the company decides to use virtual cards from U.S. Bank. To retrieve them, the company connects to Access Online, using the Virtual Card Payments API. The representative receives a call from ABC Oil Shop, a mutual supplier. To retrieve a virtual card to pay ABC Oil Shop, the representative enters information such as the payment amount and customized fields to appear on their reconciliation report. If ABC Oil Shop is listed in their system as Supplier ID 1234, custom attributes can be added to the payment to reflect their Supplier ID.

### Close an existing payment.
An accountant reviews a company's daily reconciliation report and notices Supplier XYZ only processed the last virtual card payment for $75 when they were expected to process $100. After speaking with the supplier, the accountant learns they have a $25 credit on their account from a previous overpayment. The accountant and the supplier agree to apply the credit to this payment and the existing virtual card payment can be closed. The company's AP system is connected to Access Online via API, so when the accountant logs into their AP system and closes out the payment, no further transactions can be processed.

### Cancel an existing payment.
When reviewing the past week's virtual payments, an account representative noticed two payments for the exact same amount were sent to a supplier. After researching the payments further, the representative finds one payment was sent in error and needs to be canceled. The Virtual Card Payments API connects the accounting system to Access Online to request the duplicate payment be canceled. The system will validate if an authorization has been made and, if not, it can be canceled.

Example use cases

U.S. Bank Corporate Travel Card, One Card or Purchasing Card clients must be set up on U.S. Bank Access Online using Visa or Mastercard networks only.


Requirements

Visa and Mastercard card networks are supported in USD and CAD only.


Restrictions

Explore Virtual Card Payments API

Create and manage virtual card payments for commercial card programs directly from your application.

Virtual Card Payments

The Virtual Card Payments API issues suppliers with customized data tied to each B2B payment transaction. Account numbers can only be used within your defined parameters that dictate payee, amount and time frame, providing a higher degree of control and security than other payment methods.


Overview

* Create, cancel and close virtual card payments.
* Manage credit limit, payment expiration and Precise Pay (exact match) security controls to prevent unwanted charges.
* Modify payment parameters, including credit limit, payment start and expiration dates, supplier email and custom attributes for a given virtual card.
* Retrieve virtual card data, including account number, payment expiration, available balance and other key payment details in real time and on demand.
* Manage the remittance process with returned card information or provide the supplier email/ID from U.S. Bank Access® Online for remittance.

Features

![Virtual Payments Workflow](/content/dam/developer-portal-solutions/en-us/usbank/media/images/products/virtual-card-payment/virtual-card-payments-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

Avvance

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

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

Voyager Accounts

Voyager Cards

Voyager Drivers

Voyager Transactions

Voyager Vehicles

Wire Transfers

Getting started

Security guide

API reference

Webhook

Release notes