Card payment optimization is a suite of solutions designed to help businesses lower the cost to accept payments. Regardless of whether the payment occurs online, in-person or on-the-go, the solutions offered can help control the costs of accepting payment cards while also reducing risk.
Card payment optimization
Optimize payment acceptance to control risks and expenses.
Payment optimization offers ways to reduce or offset credit, debit and commercial card acceptance fees. Let’s help you meet customer demand for omnichannel payments, reduce transaction costs and streamline business processes — all while controlling risk for your enterprise or business.
Cost savings that benefit the bottom line
We understand the economic pressures that businesses are experiencing and the need to control costs. The shift to digital payments, while necessary, has had broad impacts on payment acceptance costs. Our experienced payment consultants are dedicated to helping you identify solutions, services and best practices designed to uncover savings. Stop spending so much just to get paid.
Lower the total cost of accepting card payments.
What if you could give your customers the flexibility and convenience to pay the way they want while simultaneously achieving substantial cost savings for your business? Our payment solutions feature automation tools and dynamic transaction routing that can do just that and help you:
- Optimize transactions made in-person, online or via invoices.
- Lower or eliminate acceptance costs.
- Reduce fraud and chargebacks.
- Stay compliant with card network rules.
Guidance to get the most from card payment processing
Explore how to reduce costs by optimizing payment acceptance.
Interchange rates and fees vary by type of card, industry segment and acceptance channel. Here are three steps you can take to lower transaction cost:
- Analyze the current environment and setup
- Discover opportunities for improvement
- Implement cost-saving solutions
Drive value to the bottom line with payment optimization solutions.
Hear our consultants explain how to save money and operate more efficiently without incurring additional costs.
- Level 2 and Level 3 processing
- PIN debit and least-cost routing
- Service fees, convenience fees and credit card surcharge
Optimize service fees for the public sector with these tips.
Learn how government and higher education institutions can implement service fees by charging your cardholders a small fee to:
- Offset costs of acceptance fees
- Expand payment acceptance
- Improve efficiency and customer experience
Payment Optimization e-book
Access insights to make payment processing less complex.
U.S. Bank Payment Optimization solutions help reduce acceptance fees without additional set up costs while offering smart savings to business and government agencies. Read why now is the time for Payment Optimization:
Our payment optimization consultants can help.
Talk to our payment consultants to learn how payment optimization can help your organization reduce card acceptance costs, mitigate risk and meet industry and card brand compliance standards.
Our suite of payment solutions to explore include:
- Commercial card optimization
- Debit optimization
- Fee programs
Contact your U.S. Bank relationship manager or banker today to get started.
Answers to questions about optimizing card payment acceptance
There are no equipment changes, no software changes and no additional up front fees to participate in card payment optimization. All your business needs to do is opt-in to the program.
Depending on the solutions you choose to enable, your business will be able to reduce or completely offset the cost of accepting card payments while reducing the amount of time staff spends on manual processes:
- Commercial Card Optimization automatically collects additional data on every commercial card transaction, which reduces the risk level of the transaction for the card brands resulting in lower interchange rates.
- Debit Optimization saves your business money by routing debit card transactions through one of the more cost-effective PIN debit networks.
- Our fee suite, which includes credit card surcharging, service fees and convenience fees, will offset your business’ cost of accepting card payments by passing some or all of that expense to the cardholder.
Regardless of which option you choose, the end result is a reduction in expenses.
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