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### Invoice payments
Send virtual cards to suppliers and vendors to pay invoices digitally in real time. Set payments for specific invoice amounts and manage the remittance process.

### Travel management
Securely purchase airfare and hotel when booking travel. Provide virtual cards for trip incidentals, set to a specific time frame and credit limit.

### Insurance payments
Quickly service customers by using virtual cards to pay for maintenance and repair.

### Mobile wallet payment solutions
Reimagine how corporate users make payments in the field by using a smart device and popular mobile wallets.

### Embedded payment solutions
Modernize legacy payment systems by integrating secure and flexible virtual cards as the payment instrument, enabling cloud-based payment experiences.

### Fintech payment platforms
U.S. Bank offers a robust toolset of APIs for virtual cards and other payment types to build enterprise class payment platforms.

Example use cases

Integration requires a U.S. Bank corporate card program for U.S. Bank Corporate Travel, U.S. Bank One Card or U.S. Bank Purchasing Card, limited to Visa® or Mastercard® networks.

Requirements

Commercial virtual cards are only intended for business use. Use cases associated with payroll, gift and rewards or incentive cards are not supported. 

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

Restrictions

Explore Virtual Card Payments API

Create card accounts on demand, set a wide range of controls and attributes, and access posted transactions, available balances and authorizations in real time.

Virtual Card Payments

The flexibility of virtual cards enabled by APIs powers the potential for reimagining embedded payment solutions. Virtual cards have become a popular tool in digital corporate payments transformation. A digital credit card is created and distributed electronically in real time, widely accepted, and secured with strong controls not available with other payment methods. Virtual cards support multiple transactions and multi-vendor applications, or can be restricted to a single payment of a predefined amount with a single vendor. Multiple account funding options extend the potential to new payment models and use cases.

Overview

Create virtual card accounts on demand and set desired parameters in a single request:

  - Payee details
  - Card amount
  - Effective dates and time of day
  - Merchant Category Code (MCC) controls
  - Authorization ranges
  - Transaction limits and velocities
  - On or off authorization
  - Set remittance type
  - Up to 24 custom data fields

Retrieve card data in real time to support virtual card usage:

  - Authorizations	
  - Settled transactions
  - Available balances

Easily manage individual cards:

  - Retrieve card parameter settings for active cards and modify most settings.
  - Update, close and cancel active cards in real time for greater control.
  - Manage remittance settings.





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

Incoming Webhooks

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

Foreign Exchange

Freight Payment Customer Profiles

Freight Payment Transactions

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

Documentation

Onboarding quick start

Security guide

V2 compatibility

Virtual cards

Authorizations

API conventions

Webhook subscription

API reference

Authorization webhook

Bulk card intake

Bulk card API reference

Bulk card webhook

Release notes