Enjoy mobile payment convenience with your commercial card.
Your card on your phone or device. Or whatever comes next.
Mobile purchasing technology is growing rapidly and U.S. Bank is there every step of the way. In fact, we were the very first to offer a mobile payment solution for commercial card transactions. We want to make it as convenient as possible for you to use your card in any way you choose.
- Add your U.S. Bank commercial card to your device.
- Use the device to make purchases with your card.
- Payment is as simple as a touch or a wave.
Whatever device you use, you can conveniently and securely pay for expenses on the go.
Security built for paying with confidence.
Mobile payment technologies use a combination of sophisticated software and hardware to ensure every purchase you make is protected. Below are some of the key security advantages of the most popular technologies—in addition to the 24-Hour Fraud Protection that customers receive automatically.
- Your physical card is digitally encrypted or disguised.
- Your phone stores encrypted card numbers in memory that’s inaccessible.
- Biometric authentication or a code is required for purchase.
- Retailers don’t store your payment information.
Meet the mobile purchasing options.
Apple Pay
Apple Pay is a breakthrough contactless payment technology that makes it simple to use your U.S. Bank commercial card for quick, secure purchases.
Learn more
Google Pay
Google Pay is a mobile payment technology that allows you to use your Android® device to make convenient, secure purchases with your U.S. Bank commercial card.
Learn more
Samsung Pay
Paying with your card and a Samsung device is fast and secure. Just pull out your phone or watch and you're ready to pay—whether you are on the road, require office supplies or need to make a major business purchase.
Learn more
Wearables
Wearable technology makes it simple to make purchases from your wrist everywhere contactless payments are accepted. Increase your convenience and improve your mobile working style.
Learn more
Mobile Payments FAQ
Mobile payments are a form of purchasing that allows U.S. Bank customers to use their card to make purchases with a phone or other compatible device. The mobile purchasing options available include Apple Pay®, Samsung Pay, and Google Pay™.
The biggest advantage of mobile payment is convenience. Using your mobile device to pay for expenses can save time normally spent pulling out a card from your wallet. It also offers the added convenience of using less cash to pay for out-of-pocket expenses. This can mitigate the security risks from carrying extra cash and also make expense reporting a little easier.
Typically merchants that accept mobile payments show one or all of these symbols at check out or on the card reader device:
Google Pay and Apple Pay require the merchant to have a newer terminal that will work with NFC-enabled phones. Samsung Pay allows you to make mobile purchases at both older and newer terminals, almost anywhere you can swipe your card.
Most new phones have the ability to make mobile payments using a payment app, like Apple Pay, Samsung Pay, and Google Pay. The appropriate app for mobile payments is likely already loaded onto the phone if the functionality is available.
- Open the mobile payment app (Apple Pay, Samsung Pay, or Google Pay).
- You will then be prompted to take a picture of the card which captures the card information. You may also enter the card information manually. Read and accept the terms and conditions.
- Follow the prompts to complete set up, including steps to verify your identity.
Yes. U.S. Bank has mobile payment functionality available now for U.S. Bank commercial cardholders. For more specific information about card compatibility, please contact your card program manager or commercial card relationship manager.
Each of the mobile purchasing options has their own technology for ensuring that your mobile purchases are secure, but one common method they all use is tokenization. When you add a card to a payments application (app), a unique number, or token, is generated to make a payment. This means your card number and personal information are never seen by merchants or stored on your device, which adds an extra layer of security. In many cases, this provides for a more secure and quicker transaction than using a physical card at checkout.
Based on some account conditions, additional authentication through the call center may be required.
A tokenized version of your physical card is saved to the wallet to improve security. The last 4 digits shown on the receipt are from the tokenized card.
There are a number of factors that affect the card art. The card art enabled for the U.S. Bank Corporate Travel Card for example, is the same for any client using the functionality at this time. In addition to the overall look, information that may normally display on a physical card is masked or intentionally left off of a digital image of the card for the sake of security.
The same restrictions that prevent certain purchases from being successful with a plastic card also apply when making mobile payments. Cardholders who experience a decline at the point of sale should contact Cardmember Services at 800-601-3842 to review the transaction.
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Disclosures
Apple, iPhone, iPad, Apple Pay, Touch ID and Face ID are registered trademarks, App Store is a registered service mark, and Apple Wallet is a trademark, of Apple Inc.
Google Pay, Android and Google Playare trademarks of Google LLC. Fitbit Pay is a trademark of Fitbit LLC and/or its affiliates.
Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.
The creditor and issuer of U.S. Bank charge cards is U.S. Bank National Association, pursuant to separate licenses from Visa U.S.A., Inc., and Mastercard® International Inc.
Notice: Foreign-denominated transactions are subject to foreign currency exchange risk. Customers are not protected against foreign currency exchange rate fluctuations by FDIC insurance, or any other insurance or guaranty program.
The foregoing products are available solely for business transactions and not for personal, family or household transactions.
As an expert in corporate payment services and management tools, I can confidently provide comprehensive information regarding the concepts mentioned in the article you've provided.
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Corporate Payment Services:
- This refers to financial services designed specifically for corporate or business entities. These services often include corporate credit cards, expense management tools, electronic invoicing, and integrated payment solutions tailored to meet the unique needs of businesses.
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Management Tools:
- Management tools in the context of corporate payments refer to software or platforms used by businesses to manage their financial transactions, expenses, and accounts. These tools streamline processes such as expense tracking, budgeting, reporting, and reconciliation, providing businesses with greater visibility and control over their finances.
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Corporate Mobile Pay:
- Corporate mobile pay, as described in the article, refers to the ability for businesses to make payments using mobile devices such as smartphones or wearable technology. This technology allows corporate cardholders to add their commercial cards to their mobile devices and use them for convenient and secure transactions.
Now, let's delve into the details provided in the article regarding mobile payment options and related information:
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Apple Pay: Apple Pay is a contactless payment technology offered by Apple Inc. It allows users to make purchases securely using their Apple devices, including iPhones, iPads, and Apple Watches. Users can add their U.S. Bank commercial cards to Apple Pay and make quick, secure transactions at participating merchants.
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Google Pay: Google Pay is a mobile payment technology developed by Google LLC. It enables users with Android devices to make secure purchases using their U.S. Bank commercial cards. Similar to Apple Pay, users can add their cards to Google Pay and use their devices for convenient payments.
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Samsung Pay: Samsung Pay is a payment service provided by Samsung Electronics Co., Ltd. It allows users to make purchases using their Samsung devices, including smartphones and smartwatches. Samsung Pay offers compatibility with both older magnetic stripe terminals and newer NFC-enabled terminals, providing flexibility for users to make mobile payments almost anywhere.
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Wearables: Wearable technology, such as smartwatches, enables users to make contactless payments using their devices. This allows for convenient and secure transactions at merchants that accept contactless payments, offering an alternative to traditional card payments.
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Mobile Payments FAQ: The article also includes a FAQ section addressing common questions about mobile payments. It explains the convenience and security advantages of mobile payments, highlights the symbols indicating acceptance of mobile payments at merchants, and provides guidance on setting up mobile payment apps and contacting support for assistance.
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Security Measures: The article emphasizes the security measures employed by mobile payment technologies, including tokenization, encryption, and biometric authentication. These measures ensure that sensitive card information is protected during transactions, reducing the risk of fraud or unauthorized access.
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Card Art and Restrictions: The article mentions considerations such as the tokenized version of physical cards stored in digital wallets for improved security and the possibility of declined transactions, which may require contacting customer support for resolution.
Overall, the article provides a comprehensive overview of corporate mobile payment options, security features, and related information, catering to businesses seeking convenient and secure payment solutions for their commercial transactions.
