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...identifier assigned to each unique payment
paymentInstructionID
path
string
paymentInstructionID that was received for the failed payment
Request URL
PATCH /v1/payments/{paymentInstructionID}
Sample Request
{
"payerID": "Py040518",
"updateUserID": "nxchitt"
}
Sample Response
{
...
...identifier assigned to each unique payment
paymentInstructionID
path
string
paymentInstructionID that was received for the failed payment
Request URL
PATCH /v1/payments/{paymentInstructionID}
Sample Request
{
"payerId": "Py040518"
}
Sample Response
{
"paymentInstructionID":...
...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.
Restrictions
Companies wishing to implement Payee Choice must meet credit...
Tags: payments, ACH, electronic transfers, prepaid cards, checks, disbursements, transfers
...of stale payments. Once U.S. Bank receives a payment request, payment recipients 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...
Tags: payments, ACH, electronic transfers, prepaid cards, checks, disbursements, transfers
...search criteria.
Retrieve payment records
GET /payments/{paymentID}
Allows client applications to retreive payment details based on paymentID.
Retrieve Payment Details
Initiate Enrollment Invitations
POST /payees/invitations
Allows applications to initiate enrollment invitations to payees. Once...
...This date is not the MM/YY card expiration date.
paymentAccountID
Payment account to fund the card
These options are also available:
Fieldname
Description
effectiveStart
Purchases are not allowed until this date.
precisePay
If true, the total card amount must be spent in a single...
...were sent to a supplier. After researching the payments further, she finds one payment was sent in error and needs to be closed. She logs into her accounting system that is connected to Access Online via her API and requests the duplicate payment be cancelled via the API, so the supplier is not...
Tags: virtual cards, virtual payments, payables, commercial cards, B2B Payments
...utility payment is due. She can easily submit a payment and see that her Request for Payment option has completed/has been received.
Provide customers with the most immediate information.
Kris is a developer for a mid-size company that recently implemented using the RTP® Request for Payment API....
Tags: payments, RTP, disbursements, transfers, receivables
...RTP Request for Payment (RfP)
POST /requests-for-payment
Retrieve Request for Payment Details
Retrieve status and details of a sent RfP
GET /requests-for-payment/{transactionID}
Check if the recipient's bank is part of the RTP Network
Check if the recipient's bank routing number is part of the RTP...
...Checks using various search parameters.
POST /payments/search
POST /payments
This endpoint receives requests for U.S. Bank to issue physical check payments on behalf of an application.
Parameters
Parameter
Type
Data Type
Description
Accept
header
string
Default:...
...Checks using various search parameters
POST /payments/search
POST /payments
This endpoint receives requests for U.S. Bank to issue physical check payments on behalf of an application.
Parameters
Parameter
Type
Data Type
Description
Accept
header
string
Default:...
...Checks using various search parameters
POST /payments/search
POST /payments
This endpoint receives requests for U.S. Bank to issue physical check payments on behalf of an application.
Parameters
Parameter
Type
Data Type
Description
Accept
header
string
Default:...
...for and retrieve status and details of submitted payments.
Retry a failed payment.
Delete a submitted payment.[^2]
Send an invitation to enroll in the Zelle Network.
Workflow
Example use cases
Pay businesses for procurement of supplies.
Steve works for a non-profit organization that helps parents...
Tags: payments, disbursements, transfers, Zelle
...for and retrieve status and details of submitted payments.
Retry a failed payment.
Delete a submitted payment.[^2]
Send an invitation to enroll in the Zelle Network.
Workflow
Example use cases
Pay businesses for procurement of supplies.
Steve works for a non-profit organization that helps parents...
Tags: payments, disbursements, transfers, Zelle
..."state": "GA",
"zipCode": "02494"
}
},
"payment": {
"paymentReferenceNumber": "MxcX015",
"paymentAmount": 525.37
},
"additionalPaymentInformation": [
{
"name": "dateOfBirth",
"value": "09-15-1963"
}
]
}
]
}
Sample Response
Status Code
Message
201
Created
Response...
...payment is due. The customer can easily submit a payment and see the Request for Payment option has completed/has been received.
Provide customers with the most immediate information
A developer for a mid-size company recently implemented the RTP® Request for Payment API. A colleague, who works...
Tags: payments, RTP, disbursements, transfers, receivables
...for Cause/ Purged
006
Individual stop payment detected
007
Range stop payment detected
010
Post No Debits
012
Account Closed
013
Closed/ Purged
014
Recently closed
020
Acct OD >3 days, opened ≤ 90 days
021
Acct OD >5 days, opened > 90 days but < 365 days
022
Acct OD >10...
...for Cause/ Purged
006
Individual stop payment detected
007
Range stop payment detected
010
Post No Debits
012
Account Closed
013
Closed/ Purged
014
Recently closed
020
Acct OD \>3 days, opened ≤ 90 days
021
Acct OD \>5 days, opened \> 90 days but \< 365 days
022
Acct OD...
...for Cause/ Purged
006
Individual stop payment detected
007
Range stop payment detected
010
Post No Debits
012
Account Closed
013
Closed/ Purged
014
Recently closed
020
Acct OD \>3 days, opened ≤ 90 days
021
Acct OD \>5 days, opened \> 90 days but \< 365 days
022
Acct OD...
...This date is not the MM/YY card expiration date.
paymentAccountID
Payment account to fund the card
These options are also available:
Fieldname
Description
effectiveStart
Purchases are not allowed until this date.
precisePay
If true, the total card amount must be spent in a single...
...greater speed and efficiency.
Features
Real-Time Payment initiation
Originate B2B, or B2C payments 24 hours a day, seven days a week, 365 days a year with remittance information included.
Funds are transferred within seconds.
Payments are final and irrevocable.
Originated payment...
Tags: payments, RTP, disbursements, transfers
...RTP Request for Payment (RfP)
POST /requests-for-payment
Retrieve Request for Payment Details
Retrieve status and details of a sent RfP
GET /requests-for-payment/{transactionID}
Check if the recipient's bank is part of the RTP Network
Check if the recipient's bank routing number is part of the RTP...
...with U.S. Bank checking accounts can send payments to contacts, family and friends anytime, anywhere.
Request for Payment:
Scott is a handyman and works with several clients throughout the week. Mailing invoices and waiting for payments to come through has always been a hassle due to time...
Tags: payments, RTP, disbursements, transfers, receivables
...token.
Workflow
Example use cases
Process claim payments.
Anna is a claims manager at a nationally-known insurance firm and issues many claim payments via ACH every year. The company’s enterprise resource planning (ERP) system needs to follow the new NACHA rule, stating large non-FI ACH...
Tags: payee tokenization, payee token management, payment information, ACH, RTP, Zelle, domestic wires, international wires, cards, checks
...API helps him easily and conveniently submit payments to vendors and suppliers.
Settle claims with payment management.
Ryan from an insurance organization is looking for a solution for their insurance application to disburse insurance claims and collect monthly bills. Using the ACH...
Tags: payments, collections, ACH, disbursements, transfers
...API allows applications to securely originate payment requests at any time. With instant access to payments, you can create and manage account transactions with greater speed and efficiency.
Features
Send transfers 24 hours a day, 7 days a week, 365 days a year.
Retrieve submitted real-time...
Tags: payments, RTP, disbursements, transfers, receivables
...of interactions through multiple sub-systems
paymentID*
path
string
Payment Identifier
Sample Response
Status Code
Message
200
OK
Response Header:
Parameter
Type
Data Type
Description
Correlation-Id
header
string
Unique ID assigned to each transaction, allows to trace full path of interactions...
...of interactions through multiple sub-systems
paymentID*
path
string
Payment Identifier
Sample Response
Status Code
Message
200
OK
Response Header
Parameter
Type
Data Type
Description
Correlation-Id
header
string
Unique ID assigned to each transaction, allows to trace full path of interactions...
...of interactions through multiple sub-systems
paymentID*
path
string
Payment Identifier
Sample Response
Status Code
Message
200
OK
Response Header
Parameter
Type
Data Type
Description
Correlation-Id
header
string
Unique ID assigned to each transaction, allows to trace full path of interactions...
...with U.S. Bank checking accounts to send payments to contacts, anytime, anywhere.
Real-time payment invoices
Your client is a handyman and works with several clients throughout the week. Mailing invoices and waiting for payments to come through is a hassle due to time and tracking....
Tags: payments, RTP, disbursements, transfers, receivables
...important for the company to know as soon as a payment is completed so that a vehicle can be released for delivery. The Receivables API webhooks provide notice as soon as a payment is ready in VantagePointTM, which triggers an API call to fetch the data and provide the necessary...
Tags: receivables, VantagePoint(TM), open accounts receivable A/R, A/R matching
...fulfill multiple orders in a day due to manual payment and documentation processes. With her company's new implementation of the CaaS API, individual digital cards are issued for each order as they're created. Her customers are able to push these cards to their mobile wallets for secure and easy...
Tags: digital card, mobile payments, mobile wallet, virtual card, virtual payments, virtual credit card payments, payments, payments innovation, security, control, corporate purchasing, corporate expenses, Apple Pay, Google Pay
...and initiates the first transaction.
Complete payments transactions safely and securely.
Linda is a claims adjuster for a major insurance company and is responsible for sending claims payments following accident investigations. She wants to make sure the funds are received promptly and securely...
Tags: account validation, payments, risk mitigation
...and initiates the first transaction.
Complete payments transactions safely and securely.
Linda is a claims adjuster for a major insurance company and is responsible for sending claims payments following accident investigations. She wants to make sure the funds are received promptly and securely...
Tags: account validation, payments, risk mitigation
...and initiates the first transaction.
Complete payments transactions safely and securely.
A claims adjuster for a major insurance company is responsible for sending claims payments following accident investigations. The adjuster wants to make sure the funds are received promptly and securely by...
Tags: account validation, payments, risk mitigation
...origination
Originate domestic ACH payments or collections.
Send originated ACH transactions at standard or same-day speeds.
Receive timely confirmation on ACH origination requests.
Originated payment management
Retrieve submitted ACH transaction details and status.
Cancel a...
Tags: payments, collections, ACH, disbursements, transfers
...loan details to help customers stay on top of payments.
Provide alerts for the next payment amount and due date
Calculate payment frequency, interest rate and terms.
Calculate an early payoff and show consumers their interest savings.
Send email or SMS-based alerts to introduce new loan...
Tags: data, account aggregation, applications, account management, accounts, checking, savings, credit card, line of credit, loans, mortgage, brokerage, tax, financial health, risk, payoff, OAuth
...company and is responsible for sending claims payments following accident investigations. She wants to make sure the funds are received promptly and securely by the intended recipient. With Account Validation, she can enter the claimant’s provided account details (their bank’s ABA number...
Tags: account validation, fraud prevention, payments, risk mitigation
...to meet a company's specific needs in today's payments environment.
Process previous day and same day exceptions.
Retrieve previous day Positive Pay and same day Positive Pay exceptions.
Submit payment decisions on the exceptions.
Retrieve exception history and details regarding specific...
Tags: payments, exceptions, fraud prevention, check, ACH
...RTP Request for Payment (RfP)
POST /requests-for-payment
Retrieve Request for Payment Details
Retrieve status and details of a sent RfP
GET /requests-for-payment/{transactionID}
Check if the recipient's bank is part of the RTP Network
Check if the recipient's bank routing number is part of the RTP...
...request and share the transaction id.
Process payment request and retrieve the details of the payment request transaction.
Sandbox environments accept JSON-encoded request bodies and return simulated JSON-encoded responses. They use OAuth authentication using API product keys and secret. Refer...
...RTP Request for Payment (RfP)
POST /requests-for-payment
Retrieve Request for Payment Details
Retrieve status and details of a sent RfP
GET /requests-for-payment/{transactionID}
Check if the recipient's bank is part of the RTP Network
Check if the recipient's bank routing number is part of the RTP...
...the company’s cash and approving all major payments to employees, vendors and third parties is often concerned about over drafting accounts and wants to ensure accounts are capitalized prior to payment disbursement. With the Corporate Account Information API, the manager can view U.S. Bank...
Tags: corporate accounts, treasury reporting, cash positioning
...2[Completed: Purchase Completed]
3[Posted: Payment Issued]
1-->2
1-->3
2-->3
When searching for transactions, each query is limited to one specified type:
Pre-Authorized - a driver has initiated a purchase with a merchant
Completed - a merchant has submitted a completed purchase...
...30, 2021
1.1.0
Additional Endpoints added:- Get Payee Details- Get Payments- Search for Payments- Payment Status Webhook
December 2021
..."KW01262021b",
"orderDate": "2021-02-04",
"paymentAccountNumber": "9272",
"paymentAccountID": "123456789012",
"recipientEmail": "abc@org.com",
"recipientName": "ABC Company",
"orderAmount": 3.65,
"expirationDate": "2021-05-13",
"percentFulfilled": 55,
"orderStatus": "Closed",
...
...the company’s cash and approving all major payments to employees, vendors and third parties. Joe is often concerned about overdrafting accounts and wants to ensure accounts are capitalized prior to payment disbursement. In using the API, Joe can view U.S. Bank deposit account balances...
Tags: corporate accounts, treasury reporting, cash positioning
...integrated the Check Payables API with their new payment system, making it easier for Tim to identify the overpayment amount and create the check request. To validate his work, Tim relies on system notifications to see that the check request is processed, and the customer's refund is on its...
Tags: checks, payables, payments
...integrated the Check Payables API with their new payment system, making it easier for Tim to identify the overpayment amount and create the check request. To validate his work, Tim relies on system notifications to see that the check request is processed, and the customer’s refund is on its...
Tags: checks, payables, payments
...integrated the Check Payables API with their new payment system, making it easier for Tim to identify the overpayment amount and create the check request. To validate his work, Tim relies on system notifications to see that the check request is processed, and the customer's refund is on its...
Tags: checks, payables, payments
...of whether a payment will clear successfully.
Payment risk modeling
Help businesses understand and define a consumer risk score using consumer-authorized payment-level data. Use the score to reduce fees, prevent fraud and improve customer experience.
Get a list of authorized consumer accounts...
Tags: transactions, accounts, checking, savings, aggregator, account aggregation, data toolbox
...Housing Lender",
"maximumPaymentDisclosure":"Estimated Monthly Payment Calculation: The estimated monthly interest payment presented is calculated based on an annual period of 365 days. Actual financing terms may employ an annual period other than 365 days for purposes of...
...can view transactions in real time. Also, fleet payment cards let drivers across the country handle their expenses efficiently.
Features
Secure transfers
Provide secure authentication and data encryption, assuring authorized access and confidential transfer.
Search options
Search for transactions...
Tags: Voyager, Voyager card, card, account management, fleet management, transaction, payment
...Bank
Here's what’s new in Disbursements via Zelle API!
In this release, we have added functionality to enhance the usability of the API.
We have added new endpoints to retry a failed payment, to search payments, and to send enrollment invitations.
See the latest API specification for all...
...},
"transactionDetails": {
"amount": 100.12,
"paymentType": "STANDARD"
},
"remittanceData": {
"remittanceID": "20151112INFOABCD",
"remittanceLocationDetails": {
"email": "remit@healthcorp.com",
"URI": "https://remittances/healthcorp.com"
},
"additionalInfo": "Unstructured remittance...
...or store their confidential banking information. Payments are requested and directed using aliases (email addresses or mobile phone numbers). Recipients of payments are notified by email or text message to visit either their own trusted banks’ online banking sites or the secure Zelle site to...
...or store their confidential banking information. Payments are requested and directed using aliases (email addresses or mobile phone numbers). Recipients of payments are notified by email or text message to visit either their own trusted banks’ online banking sites or the secure Zelle site to...
...current balance and when the account was opened.
Payment risk modeling
Help businesses define a consumer risk score to reduce fees, prevent fraud and improve customer experience.
Get a list of authorized consumer accounts and obtain the account identifier for each one.
Access the current account...
Tags: account management, accounts, checking, savings, credit card, line of credit, loans, mortgage, brokerage, IRA, retirement, investments
...},
"transactionDetails": {
"transactionType": "Payment",
"standardEntryClassCode": "PPD",
"isWebAuthorized": false,
"isPhoneAuthorized": false,
"effectiveDate": "2018-04-22 11:59:45Z",
"amount": "450.50",
"isTestTransaction": false
},
"communications": {
"commentsForRecipients":...
...},
"transactionDetails": {
"transactionType": "Payment",
"standardEntryClassCode": "PPD",
"isWebAuthorized": false,
"isPhoneAuthorized": false,
"effectiveDate": "2018-04-22 11:59:45Z",
"amount": "450.50",
"isTestTransaction": false
},
"communications": {
"commentsForRecipients":...
...the external accounts to U.S. Bank or making a payment using external account to U.S.Bank products.
It utilizes the EWS Account Ownership Authentication (AOA) service, which takes necessary parameters like account and owner details to verify the information with the major banks and provides...
...the external accounts to U.S. Bank or making a payment using external account to U.S.Bank products.
It utilizes the EWS Account Ownership Authentication (AOA) service, which takes necessary parameters like account and owner details to verify the information with the major banks and provides...
...the external accounts to U.S. Bank or making a payment using external account to U.S.Bank products.
It utilizes the EWS Account Ownership Authentication (AOA) service, which takes necessary parameters like account and owner details to verify the information with the major banks and provides...
...the external accounts to U.S. Bank or making a payment using external account to U.S.Bank products.
It utilizes the EWS Account Ownership Authentication (AOA) service, which takes necessary parameters like account and owner details to verify the information with the major banks and provides...
...major banks. To avoid logging into multiple payment portals, she prefers to use a treasury management (TM) SaaS platform to view and manage all the company's bank accounts as well as money transfers. The TM SaaS application is powered using the Wire Transfers API and enables Hanna to manage...
Tags: domestic, international, wire, transfers
...the Response Body in the “GET /transfers/{paymentID}” endpoint.- Removed the “sourceID” parameter from the “customerIdentifiers” object.- Increased the maxLength for both the “accountNumber” and “internationalBankAccountNumber” parameters to 34 characters.- Increased the...
...major banks. To avoid logging into multiple payment portals, she prefers to use a treasury management (TM) SaaS platform to view and manage all the company's bank accounts as well as money transfers. The TM SaaS application is powered using the Wire Transfers API and enables Hanna to manage...
Tags: domestic, international, wire, transfers
...major banks. To avoid logging into multiple payment portals, she prefers to use a treasury management (TM) SaaS platform to view and manage all the company's bank accounts as well as money transfers. The TM SaaS application is powered using the Wire Transfers API and enables Hanna to manage...
Tags: domestic, international, wire, transfers
.....
Tags: Voyager, Voyager card, card, account management, fleet management, transaction, payment
.....
Tags: Voyager, Voyager card, card, account management, fleet management, transaction, payment
...announce 3 new API capabilities in Virtual Card Payments!
Fax Remittance: As an alternative to email, you can now choose to send a remittance via fax! (limited to US phone numbers)
Effective Start Date: You can now specify an effective start date when creating or updating a card.
Read Card...
...a selected date range.
Week
Month
Quarter
Custom time period
Example Use Cases
Verify if a specific day is considered a working day or bank holiday.
Confirm payment dates in bill payee services.
Confirm when a branch is open or closed for holiday hours of operation.
Restrictions
The Bank Holidays...
Tags: federal holidays, bank holidays, holidays, bank closed dates
...1.2
© 2022 U.S. Bank
Here's what’s new in RTP API!
Revision History
Version
Highlights
Release Date
1.2
Added new webhook payload. No change to the RTP® - Request for Payment v1.2 product specification.
May 2022
1.2
Added new On-behalf-of parameter.
Feb 2022
1.1
Added new API endpoint to...
...1.2
© 2022 U.S. Bank
Here's what’s new in RTP API!
Revision History
Version
Highlights
Release Date
1.2
Added new webhook payload. No change to the RTP® - Real-Time Payments v1.2 product specification.
May 2022
1.2
Added new On-behalf-of parameter.
Feb 2022
1.1
Added new API endpoint to...
..."5",
"contractTerms": "",
"additionalPaymentInformation": "Additional notes",
"customAttributes": [
{
"key": "string",
"value": "string"
}
]
}
]
}
POST /receivables/search
Retrieve receivabes data for cash application based on a search criteria
Parameters
Parameter
Type
Data...
...Account Validation Service.
Request Body:
{
"paymentType": "ACHorRTP",
"paymentRails": {
"achAndRtpDetails": {
"routingNumber": "091215927",
"accountNumber": "123asw3458"
},
"zelleDetails": {
"emailAddress": "abe@gmail.com",
"phoneNumber": "123-456-7890"
},
"checkDetails": {
...
...blob and updated the payload structure to group payment types with related data.- Renamed the pagination parameters Offset and Limit to pageNumber and pageSize, respectively.- Added webhooks for incoming transactions.- Added the lastRefeshedDateTime to currentday transaction endpoint.- Updated...
..."REBECCA S",
"alias": "rebecca.s@usbank.com",
"paymentType": "INSTANT",
"effectiveDate": "10422",
"paymentInstructionID": "PI0000001155129",
"parameterName": "record number",
"parameterValue": "abc123"
},
"checksTransactionDetails":
{
"captureDate": "2022-01-20"
},
...
...Online Transactions API is a proprietary payment management system that provides program administrators the security, functionality, reliability and convenience they need to manage and report card programs. The Access Online Transactions API allows clients that use Access Online to...
Tags: transactions, orders, attachments, commercial cards
...the Response Body in the “GET /transfers/{paymentID}” endpoint.- Removed the “sourceID” parameter from the “customerIdentifiers” object.- Increased the maxLength for both the “accountNumber” and “internationalBankAccountNumber” parameters to 34 characters.- Increased the...