Consultation Guide
Get started
Your trusted advisor
Our goal is to be your trusted advisor
Deposits
Lending
Payments
Treasury Management
Industry leader
We are an industry leader in payment services — a core part of our business.
We make it easier
We make it easier to accept payments, make payments and manage payments
Payment Processing
Business Credit Cards
Treasury Management
Top 10 focus areas
The top 10 focus areas of our Business Owners*
1. Increase profitability
2. Increasing business growth
3. Attracting and retaining new customers
4. Improving workforce productivity
5. Keeping pace with competition
6. Reducing operational costs
7. Attracting and retaining employees
8. Improving quality of products and processes
9. Managing uncertainty
10. Driving innovation
*Source: techaisle.com
Your current payments setup
Let’s talk about your current payments setup
What’s working? What’s not?
Talk to me about the environment in which you’re taking payments today.
How fast do you receive your funds today?
How are you using your payments data to grow your business?
Our payment solutions help
Our payment solutions are designed to help you:
Omnicommerce
We can ensure you’re open and visible in ALL payment environments.
Expanding Digital Presence
70–80%
of people research a company online BEFORE visiting a small business or making a purchase with them.
How do you utilize the internet to increase customer awareness of your business?
Can customers find your business online? If they do, what will they see?
Source: Blue Corona
Reputation Management
Online Reputation Management
31%
more is spent by customers on a business with excellent reviews.
Source: Invesp
13%
of consumers will not consider using a business that has a 1 or 2 star rating.
Source: SearchEngineLand
How do you manage unfavorable online reviews and engage those customers?
Text, Email, Gift & Loyalty
Text, Email Marketing, Gift & Loyalty
Repeat customers spend
67%
more than new customers
Source: Business.com
5%
increase in customer retention
produces more than a
25%
increase in profit.
Source: Bain & Company
How do you engage and reward new customers to turn them into repeat customers?
How do you notify your preferred customers of upcoming sales and special offers?
Statement
Analysis
Our complimentary statement analysis service identifies hidden fees and unnecessary expenses with your current processing service.
Does your current processor keep you informed of any changes to the pricing of your service?
Rate
Optimization
With Interchange Optimization, we can ensure your card transactions can qualify for the lowest possible rates.
Does your current processor take advantage of preferred Interchange rates to minimize your processing cost?
Fast
Funding
Get same-day funding credit/next-day funds availability to your U.S. Bank Business Checking account.
How quickly is your DDA credited the funds from your card transactions?
Credit Card
Cost Control
Credit Card Cost Control (C4) allows you to accept credit card payments without the costs of acceptance. Debit card payments carry one flat rate.
Did you know that over
70%
of Americans prefer to use a credit card?
Encore
Rewards
Earn points for taking card payments and for making purchases with a U.S. Bank Business Rewards card.
Payment Insider
With robust reporting and account management capability, our business management tool put the controls of our service in your hands.
The Problem
68%
of U.S. businesses have not purchased any form of cyber liability or data-breach coverage
Source: 2019 Cybersecurity Almanac
41%
of businesses have over 1,000 files of sensitive data stored in the clear (unprotected)
Source: ibid
60%
of small businesses who suffer a cyberattack are out of business within 6 months
Source: Cybersecurity Statistics
55%
of businesses typically lack the resources or knowledge to develop a cybersecurity plan.
Source: 2019 Cybersecurity Almanac
The Safe-T Solo Solution
Safe-T Solo is a suite of security features that secure payment transaction data to help protect your business and your customers’ payment information.
PCI Compliance Manager
The PCI Compliance Manager Tool provides proactive support to help merchants complete the PCI DSS Compliance Validation Process.
Industry Menu
Specialized solutions to fit your business
Retail
As an industry-leading provider, we help you deliver the exceptional payment experience your customers look for, every time they shop with you.
Talech for Retail
Save time with easy inventory organization and view sales reports all on one device
Poynt
Dual-screened countertop solution for a transparent transaction experience
Tetra
Great for clothing, boutique, or any retail store needing to easily manage multiple products.
Restaurant - Quick Service/Counter Pay
Keep your customer coming back with seamless mobile and contactless payment options. We’ll help you efficiently and securely accept payments to reduce waiting and check-out time.
Talech for Restaurant
Perfect for cafes or quick service restaurants needing to manage many menu items and attract in store or online orders.
Poynt
Perfect for cafes or quick service restaurants needing to manage many menu items.
Tetra
Great companion for new setups or existing integrations looking to update their card accepting device.
Restaurant - Casual & Fine Dining
Offer fast, secure payment acceptance at the bar and the table. Our cloud-based payment solutions enable a better guest experience while allowing you to increase table turns while keeping payments secure.
Talech for Restaurant
Great for large restaurants or chain establishments needing advanced restaurant capabilities like bar management, split checks, and table layout.
Tetra
Great option for table-side payments, and can help generate greater tip revenues.
Poynt
Great for large restaurants or chain establishments needing advanced restaurant capabilities like bar management, split checks, and table layout.
Business to Business
Make it easy to accept payments anytime, anywhere with flexible solutions that scale with your needs.
Converge Billing and Invoicing and Level III
Great for service oriented businesses that actively quote or bill for items/services rendered.
Virtual Terminal enables you to manually enter payments given to you in-person, over the phone, or the through the mail. Optimize cash flow
Make recurring billing seamless for you and your customers while avoiding customer service calls to update payment information. Streamline billing and invoicing
Email quotes, invoices, and payment reminders directly to your customers. Receive customer payments through a dedicated payment portal tied to the invoice. Grow global, stay local
Expand your market to foreign audiences by issuing invoices for payment in their currency with funding in your own currency.
Healthcare
Industry-specific solutions that enhance healthcare payment and revenue cycle processes, strengthen cash flow, and minimize your collections risk with streamlined point-of-sale payments.
Payment Navigator Medical Office
A Web-based payment tool that improves up-front collection of patient payables and reduces bad debt.
Allow patients to make online payments, set up a digital wallet and sign up for eStatements Cut Processing Costs
Decrease paper processing costs, reduce patient phone calls and eliminate manual posting Get Started Quickly
Leverage Payment Navigator Medical Office’s Patient Portal to deliver a robust solution with flexible integration options that fit your workflow and quickly enable online payments Get Online Payments With Your Existing Workflow
Track all of your patients’ online payment activity with transaction level detail, summary and detailed reporting. The only payment solution with posting and reconciliation detail all on one platform.
Mobile/Service
Take payments from clients and customers in your office or on the go: explore our range of seamless, efficient payment solutions that can run on WiFi or cellular connection.
Converge Mobile
Great for smaller businesses that cater to where their customers are. Professional services, pop-up shops, and delivery for example.
Preset tax rates, include discounts or add gratuity to any transaction. On-the-Go
Use it as your primary point-of-sale (POS) solution or as a back-up. Take payments anywhere your business takes you. Simply download the app, pair it with one of the supported card readers, and you’re ready to go. Worry-free
If your customer’s card isn’t swiping, enter details into the app. Receipts can be printed using one of the available portable printers or emailed to customers. Security
Converge Mobile with Safe-T provides a layered approach to data security while offering card data breach protection in the event of an incident.
Poynt 5
Wireless, handheld smart terminal designed for a fast, easy, and delightful mobile checkout experience. Customizable and scalable, offering easy integration with many existing POS systems.
Poynt 5 is a full-featured, Wi-Fi capable handheld device that can work standalone or with your Poynt Smart Terminal and Poynt HQ. Room for growth
Built to evolve with your business with a robust apps marketplace and expandable with up to 10 devices supported through one smart terminal. Valuable insights
Simple, powerful dashboard with reporting and analytics to help you run your business, even when you’re on the go.
Poynt
Great for businesses that cater to where their guests are and can process payments on the counter, in-line, or on the go.
Non-profit
Achieve your donation goals and streamline your fundraising efforts with a fully integrated payment solution that enables your organization to accept payments in any environment needed.
Converge Omnicommerce
The solution that lets you do business better whether it is in-store, online, or on-the-go.