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...API to access the capabilities within Virtual Card Payments. In this guide, you will learn about the resources available in this product and how to make an API call, including sample messages and a sequence diagram.
Virtual Card Payments lets you issue payments via virtual credit cards, as well...
Overview
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...
Tags: virtual cards, virtual payments, payables, commercial cards, B2B payments
...user experience to supply a digital corporate credit card for business purchases and expenses. Using tokenization and encryption, the card can be pushed to the user's mobile wallet in a frictionless way. Extensive controls enhance the card's security, making fraud or misuse nearly...
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
...more webhook information, refer to the Virtual Card Payments developer guide and webhook API specification. Corporate Credit Cards uses the same webhook service.
This is an example of a webhook destination registered when...
...for authorizations by date
October 2022
1.4
/cards/cards/{cardID}
Create cardRead card
Added sendMethod (email or fax), faxNumber, and effectiveStart dateRetrieve cards details
January, 2022
1.3
/registered-webhook-url/cards/{cardID}/realtime-credit-details
Receive webhook notificationsRead...
...date
1.0.0
Initial release
June 30, 2021
1.1.0
Additional Endpoints added:- Get Payee Details- Get Payments- Search for Payments- Payment Status Webhook
December 2021
.../cards
Assign a new digital card
Card details and unique cardID
PATCH /cards/{cardID}
Update card details
Modified card
GET /cards/{cardID}
Read the card details
Card data returned
GET /cards/{cardID}/addresses
Read all card addresses
Array of addresses
PUT...
...Travel, One Card or Purchasing Card, limited to Visa or Mastercard networks.
Restrictions
Visa and Mastercard card networks are supported in USD and CAD currencies only.
Tags: maintenance, cardholder, corporate, purchasing, One Card, card, commercial, government, API, Access Online, AccessOnline, HR Integration, credit limit, MCCG, MCC, status, account, easy button, Commercial Rewards
...date
1.9
/cards/{cardID}/auth-limits /cards/{cardID}/merchant-auth-controls /cards/{cardID}/merchant-groups
- Get and set authorization limits- Get and set merchant authorization controls- Search and retrieve merchant groups
- Manage spending limits for a...
...to announce the initial release of Corporate Credit Cards API! It allows applications to create and manage credit cards for a company or clients, including multiple spending controls, and offers a rich set of capabilities:
Set up new account
Find accounts
Read account details
Activate...
..."accountType": "CREDITCARD",
"displayName": "Credit Card - 0812",
"status": "OPEN",
"description": "Credit Card",
"fiAttributes": null,
"error": null
},
{
"accountId": "bc04072e-c883-77d4-8a89-da1cda0d1056",
"accountType": "MORTGAGE",
"displayName": "Mortgage - 3250",
"status":...
..."accountType": "CREDITCARD",
"displayName": "Credit Card - 0812",
"status": "OPEN",
"description": "Credit Card",
"fiAttributes": null,
"error": null
},
{
"accountId": "bc04072e-c883-77d4-8a89-da1cda0d1056",
"accountType": "MORTGAGE",
"displayName": "Mortgage - 3250",
"status":...
...large number of retail customers storing their credit card information with the company. With the Payee Token+ API, the e-commerce company can manage and reduce the data risks associated with storing their customer credit card information by tokenizing and securing data at the U.S. Bank PCI...
Tags: payee tokenization, payee token management, payment information, ACH, RTP, Zelle, domestic wires, international wires, cards, checks
...train and deploy conversational (virtual agents) to interact with any application, device, or channel without data science or heavy development skills.
Learn more
Watson™ Discovery
Find answers and uncover insights in your complex business content. Cognitive search technology to...
Tags: Innovation, Watson
...deny services like account creation or step-up credit risk.
Store customer-owned accounts with the {customerId} and {accountId}.
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...
Tags: data, account aggregation, applications, account management, accounts, checking, savings, credit card, line of credit, loans, mortgage, brokerage, tax, financial health, risk, payoff, OAuth
...deny services like account creation or step-up credit risk.
Store customer-owned accounts with the {customerId} and {accountId}.
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...
Tags: data, account aggregation, applications, account management, accounts, checking, savings, credit card, line of credit, loans, mortgage, brokerage, tax, financial health, risk, payoff, OAuth
...use our Accounts API:
Checking
Savings
Credit card
Line of credit
Loans
Brokerage/IRA
Details include items such as:
Account type
Account description
Balances
Interest rate
Loan details
Holdings
Workflow
Example use cases
Interact with authorized consumer data through our Accounts API to...
Tags: account management, accounts, checking, savings, credit card, line of credit, loans, mortgage, brokerage, IRA, retirement, investments
...60 days ago
055
Cashier's or official check
080
Credit Card Check
081
Participant Line of Credit Check
082
Participant Home Equity Check
084
Participant Broker Check
090
AMEX declined OR Travelers or Gift Cheque declined by AMEX
091
Call AMEX for info at 866.875.5801
092
AMEX approved OR...
...60 days ago
055
Cashier's or official check
080
Credit Card Check
081
Participant Line of Credit Check
082
Participant Home Equity Check
084
Participant Broker Check
090
AMEX declined OR Travelers or Gift Cheque declined by AMEX
091
Call AMEX for info at 866.875.5801
092
AMEX approved OR...
...60 days ago
055
Cashier's or official check
080
Credit Card Check
081
Participant Line of Credit Check
082
Participant Home Equity Check
084
Participant Broker Check
090
AMEX declined OR Travelers or Gift Cheque declined by AMEX
091
Call AMEX for info at 866.875.5801
092
AMEX approved OR...
...check, electronic funds transfer, Real-Time Payments or prepaid card. The online exchange platform can automate their payables operations, avoid storing sensitive customer account data on their system and increase user satisfaction by delivering multiple payment options.
Ensure payment...
Tags: payments, ACH, electronic transfers, prepaid cards, checks, disbursements, transfers
...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
...international), checks & card information (credit or debit card). Your application provides the payee details to the Payee Token+ API. The payee data is then tokenized and stored at a secure enclave at U.S. Bank and your application receives a payee token in return. If opted for the account...
...account types such as:
Checking
Savings
Credit card
Line of credit
Loans
Brokerage/IRA
Retrieve tax documents and receive PDF versions of tax forms including:
1098
1099-INT
1099-DIV
Workflow
Example use cases
Interact with authorized consumer data through our Documents API to provide...
Tags: tax document, tax, loan, mortgage, PDF, credit, checking, savings, data toolbox
...features from both the RTP® – Credit Transfer Message and RTP® – Request for Payments APIs with one solution.
Send transfers 24 hours a day, 7 days a week, 365 days a year. Initiate and manage real-time clearing and settlement of invoices. Subscribe to receive notifications...
Tags: payments, collections, ACH, disbursements, transfers, corporate accounts, treasury reporting, cash positioning, prepaid cards, checks, disbursements, RTP, disbursements, receivables
.../cards
Create a new card
Card is issued and cardID returned
POST /cards/search
Find all cards within an account or organization
Return a list of card summaries
POST /cards/read
Read card details
Return the card record
POST /cards/update
Update card details
One or more...
...is a collection of multiple cards and drivers
card
A card is used to make fleet purchases, which generates transactions
driver
A driver is used to define spending limits and track card usage
The driver URI basepath is
/voyager/account-management/driver-services/v1
The driver APIs are listed in...
...is a collection of multiple cards and vehicles
card
A card is used to make fleet purchases, which generates transactions
vehicle
A vehicle is used to define spending limits and track card usage
The vehicle URI basepath is
/voyager/account-management/vehicle-services/v1
The vehicle APIs are...
...deactivate and reactivate individual accounts, cards, drivers and vehicles.
Retrieve account, card, driver and vehicle details.
Cancel, replace, report lost or stolen or reset a PIN for a card.
Define and maintain spending limits on accounts, cards, drivers and vehicles.
Search Voyager to...
Tags: Voyager, fleet, card, driver, vehicle, account management, fleet management
...date
1.2
/voyager/account-management/card-services/v1/cards
/ (create)/comments/delete
Create and issue a card Ship to a delivery address Specify merchant category code (MCC) restrictionsDelete a logged comment
October...
...in real time.
Lifecycle Management
Add new cards, drivers and vehicles.
Modify existing cards, drivers and vehicles.
Deactivate or reactivate them individually.
Spending Controls
Define and maintain spending limits on cards, drivers and vehicles.
Search
Identify all cards, drivers and...
Tags: Voyager, Voyager card, card, account management, fleet management, transaction, payment
...controls
Define and maintain spending limits on cards, drivers and vehicles.
Search
Identify all cards, drivers and vehicles within an account or organization.
Security
Require authorization and encrypted data, assuring access permission and confidential transfer.
Workflow
Example use...
Tags: Voyager, Voyager card, card, account management, fleet management, transaction, payment
...of account types including checking, savings, credit card, mortgage and brokerage. Details such as transaction amounts and dates, account statements and tax documents are also available.
Interested in learning more about Akoya?
Akoya is transforming the way consumers provide access to their...
...of account types including checking, savings, credit card, mortgage and brokerage. Details such as transaction amounts and dates, account statements and tax documents are also available.
Interested in learning more about Akoya?
Akoya is transforming the way consumers provide access to their...
...of account types including checking, savings, credit card, mortgage and brokerage. Details such as transaction amounts and dates, account statements and tax documents are also available.
Interested in learning more about Akoya?
Akoya is transforming the way consumers provide access to their...
Tags: Innovation, Data toolbox
...account is a collection of multiple cards.
card
A card is used to make fleet purchases, which generates transactions.
transactions
The lifecycle of a payment is recorded as a set of transactions.
POST .../transactions/search
The full URI...
...resolve discrepancies faster.
Automatically pull card account data.
John is an auditor and spends most of his time reviewing order details from various accounts to generate weekly reports. As he increases the number of accounts he manages, he needs a better way to maintain reviewing these details...
Tags: transactions, orders, attachments, commercial cards
...vehicle information that is also embossed on the card would reissue a new card.
NOTICE: This API now requires the use of mutual authentication, also known as mutual transport layer security (mTLS).
Current Voyager API users can contact apionboarding@usbank.com to begin the mTLS configuration...
...driver information that is also embossed on the card would reissue a new card.
NOTICE: This API now requires the use of mutual authentication, also known as mutual transport layer security (mTLS). Current Voyager API users can contact apionboarding@usbank.com to begin the mTLS configuration...
...solution gives you direct access to all Voyager card transactions within a fleet. It comes along with an online account management tool with built-in fraud controls, so you can view transactions in real time. Also, fleet payment cards let drivers across the country handle their expenses...
Tags: Voyager, Voyager card, card, account management, fleet management, transaction, payment
...for discussion purposes only and are subject to credit approval.",
"lineOfCreditDisclosure":"U.S. Bank Flexible Capital Line of Credit<sup>®</sup>: Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all...
...to retrieve the status and details of an RTP credit transfer
GET /credit-transfers/{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 Network.
GET/rtp-eligibility-check
Sandbox environment
A sandbox...
...Notice: The U.S. Bank Flexible Capital Line of Credit® is a line of credit secured by a pledge of assets in a securities account. There are certain risks associated with securities backed demand lines of credit that would apply and there are certain limitations that would apply to the use and...
Tags: Flexible Capital Line of Credit, liquid asset secured, apply
...to retrieve the status and details of an RTP credit transfer
GET /credit-transfers/{transactionID}
Initiate a Request for Payment
Initiate an RTP Request for Payment (RfP)
POST /requests-for-payment
Retrieve Request for Payment Details
Retrieve status and details of a sent RfP
GET...
...to retrieve the status and details of an RTP credit transfer
GET /credit-transfers/{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 Network.
GET/rtp-eligibility-check
POST /credit-transfers
Allows for...
...Network are $100,000 per transaction.
The receiving bank must be part of the RTP® network.
Originated credit transfer messages are irrevocable.
Credit push only.
Tags: payments, RTP, disbursements, transfers
...to retrieve the status and details of an RTP credit transfer
GET /credit-transfers/{transactionID}
Initiate a Request for Payment
Initiate an RTP Request for Payment (RfP)
POST /requests-for-payment
Retrieve Request for Payment Details
Retrieve status and details of a sent RfP
GET...
...limit is $1 million per transaction.
The receiving bank must be part of the RTP® network.
Originated credit transfer messages are irrevocable.
Credit push only.
Tags: payments, RTP, disbursements, transfers, receivables
...in total, the amount of the corresponding credit Micro-Entries.
The total amount of the credit Micro-Entry (or entries) must be equal to or greater than the value of the debit Micro-Entry (or entries).
Originators must send the debits and the corresponding credit Micro-Entries...
...in total, the amount of the corresponding credit Micro-Entries.
The total amount of the credit Micro-Entry (or entries) must be equal to or greater than the value of the debit Micro-Entry (or entries).
Originators must send the debits and the corresponding credit Micro-Entries...
...API with ease of integration in mind.
Features
Credit Transfer Message
Originate B2B or B2C final and irrevocable payments 24 hours a day, 7 days a week, 365 days a year with remittance information included.
Request For Payment
Initiate and manage real-time clearing and settlement of invoices...
Tags: payments, RTP, disbursements, transfers, receivables
..."creditorBank": "Corporate One Federal Credit Union",
"creditorAddress": "9955 SE Washington St Portland 97216"
},
"zelleTransactionDetails":
{
"receiverName": "REBECCA S",
"alias": "rebecca.s@usbank.com",
"paymentType": "INSTANT",
"effectiveDate": "10422",
...
...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
...request and share the transaction id.
Process credit transfer and retrieve the details of the credit transfer transaction.
Initiate payment request and share the transaction id.
Process payment request and retrieve the details of the payment request transaction.
Sandbox environments accept...
...biller, ensuring effective exception handling.
Payments can be scheduled for the future or customers can make partial payments.
Control and precision
Request for Payment can be updated to provide customers with the most immediate information.
Customer experience is enhanced by making the payment...
Tags: payments, RTP, disbursements, transfers, receivables
...limit is $1 million per transaction.
The receiving bank must be part of the RTP® network.
Originated credit transfer messages are irrevocable.
Credit push only.
Tags: payments, RTP, disbursements, transfers, receivables
...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
..."2020-05-01T00:00:00.000Z",
"debitCreditIndicator": "CREDIT",
"transactionDescription": "Internal Wire Transfer Credit(s)",
"BAICode": "191",
"transactionReferenceNumber": null,
"bankReferenceNumber": "200902000273",
"amount": 20.000,
"currency": "USD",
...
..."string",
"chargeType": "string",
"cardNumber": "string",
"cardType": "string",
"chargeTypeDescription": "string",
"transactionDate": "string",
"authorizationCode": "string",
"authorizationReference": "string",
"merchantAdditionalData": "string"
}
},
"invoiceDetails": [
{
...
..."Returned Check",
"memo": null,
"debitCreditMemo": "CREDIT",
"category": null,
"subCategory": null,
"reference": null,
"status": "POSTED",
"amount": 1000,
"foreignAmount": null,
"foreignCurrency": null,
"imageIds": null,
"lineItem": null,
"fiAttributes": null,
...
...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
...limit is $1 million per transaction.
The receiving bank must be part of the RTP® network.
Originated credit transfer messages are irrevocable.
Credit push only.
Tags: payments, RTP, disbursements, transfers, receivables
...2023 U.S. Bank
Here's what’s new in RTP® – Credit Transfer Message!
Revision history
Version
Highlights
Release Date
1.2
Updated the webhook subscription request body payload.
February 2023
1.2
Added new webhook payload. No change to the RTP® - Credit Transfer Message v1.2 product...
...you use our Transactions API.
Savings
Line of credit
Loans
Investments
For checking and savings accounts, transaction details include:
Amount
Type
Time stamp
Category
Check number
Description
Payee
For brokerage and investment accounts, transaction details include:
Type
Shares
Price
Face...
Tags: transactions, accounts, checking, savings, aggregator, account aggregation, data toolbox
...}
}
}
Initiate Payments
POST /payments
Allows client applications to initiate requests to disburse funds to a payee. Request may include one or more set of payment instructions. If a payee has not completed the enrollment invitation flow or selected their...
...}
}
}
Initiate Payments
POST /payments
Allows client applications to initiate requests for the disbursement of funds to a payee. Request may include one or more set of payment instructions. And if a payee has not completed the enrollment invitation flow nor...
..."The status of the transaction with transaction id {{transactionID}} has changed "
"eventType": "Credit Transfer status change"
}
Shared Error Messages
HTTP Code 400: Invalid request
Application Error...
...API, the company can manage all customer payments and collections with one API connection.
Restrictions
ACH Payments are not processed or posted on weekends or bank holidays. However, clients who use ACH Origination via API are configured for Sunday/Holiday processing and will have the...
Tags: payments, collections, ACH, disbursements, transfers
...API, the company can manage all customer payments and collections with one API connection.
Restrictions
ACH Payments are not processed or posted on weekends or bank holidays. However, clients who use ACH Origination via API are configured for Sunday/Holiday processing and will have the...
Tags: payments, collections, ACH, disbursements, transfers
...their company system (e.g., ERP) and reconciling payments made or received in real time. If an account balance is projected to overdraft, Company B can immediately fund the account with the amount of the overdraft.
View account balances in one place.
Joe is responsible for managing the company’s...
Tags: corporate accounts, treasury reporting, cash positioning
...their company system (e.g., ERP) and reconciling payments made or received in real time. If an account balance is projected to overdraft, Company B can immediately fund the account with the amount of the overdraft.
View account balances in one place.
A manager responsible for managing the...
Tags: corporate accounts, treasury reporting, cash positioning
...1.0
© 2022 U.S. Bank
"Flexible Capital Line of Credit®" and "Flexible Capital Platform®" is a registered trademarks of U.S. Bank
Here's what's new in the Flexible Capital Platform®!
This is the inaugural release of the Flexible Capital Platform® product.
Revision...
...management (CRM) systems
Restrictions
ACH Payments are not processed or posted on weekends or bank holidays. However, clients who use ACH Origination via API are configured for Sunday/Holiday processing and will have the ability to submit transactions between 9 p.m. CT on Friday and 9 p.m....
Tags: payments, collections, ACH, disbursements, transfers