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U.S. Bank Treasury Management (Preview)

U.S. Bank payments and treasury banking APIs.

This connector is available in the following products and regions:

Service Class Regions
Logic Apps Standard All Logic Apps regions except the following:
     -   Azure Government regions
     -   Azure China regions
     -   US Department of Defense (DoD)
Power Automate Premium All Power Automate regions except the following:
     -   US Government (GCC)
     -   US Government (GCC High)
     -   China Cloud operated by 21Vianet
     -   US Department of Defense (DoD)
Power Apps Premium All Power Apps regions except the following:
     -   US Government (GCC)
     -   US Government (GCC High)
     -   China Cloud operated by 21Vianet
     -   US Department of Defense (DoD)
Contact
Name US Bank API Team
URL https://developer.usbank.com/contact
Email apisupport@usbank.com
Connector Metadata
Publisher U.S. Bank
Website https://developer.usbank.com/
Privacy policy https://developer.usbank.com/privacy
Categories Finance

U.S. Bank provides a suite of treasury management api's to create flexible and seamless banking experiences for your organization. Easily connect your ERP and other treasury applications to our Corporate Account Information and RTP® – Real-Time Payments services. Instantly access company accounts, transaction data and initiate and manage real-time payments through The Clearing House RTP® network.

Prerequisites

  • An account on the U.S. Bank developer portal.
  • A completed Portal Access form that’s returned to U.S. Bank API Onboarding team.
  • API credentials from the U.S. Bank API Onboarding team.
  • SinglePoint user credentials from the U.S. Bank Treasury Management implementation team.

How to get credentials

  1. Sign up to create a U.S Bank Developer Portal account on our Developer Portal. Signing up is easy with on-screen instructions that guide you along the way. If you need help, contact us.

  2. Contact us to request the keys. Enter the message below in the “Message” field on the Contact us form.

    “I want to access this API from a Microsoft connector.”

  3. You’ll receive a Portal Access Form from apionboarding@usbank.com Complete the Portal Access Form and return it to U.S. Bank at apionboarding@usbank.com.

  4. Enter the following text in the “Describe how and why your business wants to consume U.S. Bank APIs and/or related data” field on the Portal Access Form:

    “I want to access the APIs through the Microsoft connector.”

    To use actions related to Corporate Account Information, you must request access to the Corporate Account Information service. To use actions related to RTP® - Real-Time Payments, you must request access to the RTP® - Real-Time Payments service.

  5. The U.S. Bank API Onboarding Team will assign a U.S. Bank Treasury Management Consultant to your organization. The U.S. Bank Treasury Management Consultant or the U.S. Bank API Onboarding Team will contact you to discuss next steps.

  6. Confirm you want to use the connector in the discovery call with the U.S. Bank API Onboarding Team and the U.S. Bank Treasury Sales Team.

  7. Once confirmed, U.S Bank kicks off the implementation process. The API Onboarding Team will send your API credentials to you. A U.S. Bank Treasury Management implementation coordinator will send your SinglePoint credentials to your organization’s SinglePoint administrator.

  8. You’re now ready to use the connector.

Get started with your connector


Corporate Account Information Features

  • Retrieve lists of company deposit accounts.
  • Collect detailed account balances for current day and previous day, with collection capability of up to 50 accounts at a time. Balance information includes an available balance, ledger balance and collected balances for previous and current day.
  • Receive transactions data for an account on a current day and previous day basis. Historical transactions are available up to 60 days with options for an additional retention period of 12 or 24 months.
  • Retain statements for deposit accounts for up to 12 months.

Example use cases


Reconcile instant transactions

Company A often spends countless hours reconciling payments made from or received in their various U.S. Bank deposit accounts to their internal company systems (e.g., ERP). Using this API, Company A can instantly pull transaction details directly from U.S. Bank into any system to automate the reconciliation process. No need to review transactions online or from bank statements.

Improve cash positioning

Company B would like to maximize their cash flow and only fund accounts when necessary. By using the Corporate Account Information API, they can project cash positions in their U.S. Bank deposit accounts by pulling balance information into 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 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 deposit account balances directly from the company system without having to log in to multiple systems to view balances across different accounts and banks.

Improve treasury reporting

A manager maintains an analytics dashboard, which provides vital financial information and insights for the company. The manager wants to understand how deposit account balances fluctuate over time in relation to a sales cycle and credit line leverage. The Corporate Account Information API helps the manager pull U.S. Bank deposit account balances, perform the analysis needed to assess previous transactions data, and predict financial spending.


RTP Features

  • Send transfers 24 hours a day, 7 days a week, 365 days a year.
  • Initiate and manage real-time clearing and settlement of invoices.

Example use cases


Credit transfer messages

Your team of developers need to find a solution to help customers send money. The customers need to send money from their financial accounts to contacts using a transfer money feature. Using the RTP® API, you can allow your customers 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. Searching for a solution, you find a software package that includes sending invoices immediately using the RTP® API. Now your client can spend less time tracking invoices and more time on other business or life needs.


RFP Features

  • Initiate and manage real-time clearing and settlement of invoices.
  • Verify biller identity and registration with their financial institution.
  • Send configurable reminders to customers to enhance the real-time payment experience.
  • Enable future or partial payments.

Example use cases


Link transparency of bills

A customer needs to pay an electric bill. Using the RTP® Request for Payment API, the utility company’s developer team builds a Request for Payment option that notifies the customer a utility 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 in accounts payable for the company, has noticed the difference it’s made in working with vendors and partners. They can now receive requests to pay invoices in real time via Request for Payment and can immediately submit a payment in return, completing transactions within seconds.

Known issues and limitations

  • OAuth MFA required, our API Onboarding team will coordinate generating your SinglePoint and OAuth registrations

Common errors and remedies

Error messages will usually be related to Authentication Issues, verify that your account has access to the Bank Account that requests are being made for. Contact us to speak with the support team and resolve any other issues.

FAQ

Who can use U.S. Bank API products?

Anyone can view an overview of our API products. To view our technical documentation and use our products you need to create an account.

How do I create an account?

Signing up is easy with on-screen instructions that guide you along the way. If you need help, Contact us.

After you create an account, log in to view API product documentation.

What should I do if I didn’t receive the account activation email?

Check your email spam folder. Contact us if you can’t find the account activation email.

Who should I contact if I have a technical question about an API product?

Each API has comprehensive technical documentation to help you along your way on our Developer Portal. Our support team is also available to assist you with any questions or issues you may have via the Support form.

How do I change my username or email address?

Submit the Contact us form and tell us what you need to change. Include your username or email address. We’ll send you an email with next steps.

If I forgot my password, how can I update it?

Go to Forgot password and enter the email address for your account. We’ll send you a link to change it.

Throttling Limits

Name Calls Renewal Period
API calls per connection 100 60 seconds

Actions

Check if receiver's bank is part of the RTP Network

Check if the recipient's bank is part of the RTP Network. Routing number of the receiving bank is required to check RTP eligibility.

Get account balances for an array of accounts for current-day

Get account balances for an array of accounts for current-day.

Get account balances for an array of accounts for previous-day

Get account balances for an array of accounts for previous-day.

Get list of accounts for the authorized customer

Get list of accounts for the authorized customer.

Get transactions of an account for current-day

Get transactions of an account for current-day.

Get transactions of an account for prior business days over a date range

Get transactions of an account for prior business days over a date range.

Initiate an RTP credit transfer Transaction

Allows for applications to initiate an RTP credit transfer. The payer in the credit transfer should be a US Bank customer.

Initiate an RTP request for payment (RFP)

Allows for applications to initiate an RTP request for payment for receiving money in your US Bank account.

Retrieve status and details of a RTP credit transfer Transaction sent

Allows for applications to retrieve the status and details of an RTP credit transfer that was initiated or an incoming credit transfer.

Retrieve status and details of an RFP sent

Allows for applications to retrieve the status and details of an RTP RFP that was initiated.

Check if receiver's bank is part of the RTP Network

Check if the recipient's bank is part of the RTP Network. Routing number of the receiving bank is required to check RTP eligibility.

Parameters

Name Key Required Type Description
Accept Header
Accept True string

application/json

Accept-Encoding Header
Accept-Encoding True string

Accept-Encoding

Unique identifier for every request response pair
Correlation-ID True GUID

Unique identifier for every request response pair

U.S. Bank customer ID this request is for
On-Behalf-Of string

The U.S. Bank customer ID if the API request is submitted by a service provider on behalf of the customer. This field is conditionally required.

Bank Routing Number to Validate
routingNumber True string

9 digit routing number of the receiver's bank

Returns

Provides RTP eligibility information for a routing number

Get account balances for an array of accounts for current-day

Get account balances for an array of accounts for current-day.

Parameters

Name Key Required Type Description
Content-Type Header
Content-Type True string

Indicates the media-type of the resource.

Accept Header
Accept True string

application/json

Accept-Encoding Header
Accept-Encoding True string

Accept-Encoding

Unique identifier for every request response pair
Correlation-ID True GUID

Unique identifier for every request response pair

U.S. Bank customer ID this request is for
On-Behalf-Of string

The U.S. Bank customer ID if the API request is submitted by a service provider on behalf of the customer. This field is conditionally required.

accountID
accountID array of string

Accounts Unique Identifier

accountNumber
accountNumber string

Account Number of the authorized customer

routingNumber
routingNumber string

Routing Number of the authorized customer

accountType
accountType string

Type of Account

pageNumber
pageNumber string

Current Page Number from query result to return

pageSize
pageSize string

Results page size

Returns

Name Path Type Description
accountsSummaryCurrentDay
accountsSummaryCurrentDay array of AccountSummaryCurrentDay
warnings
warnings array of Warnings
pageMeta
pageMeta PageMeta

To minimize response times for requests and generally improve the end-user experience

Get account balances for an array of accounts for previous-day

Get account balances for an array of accounts for previous-day.

Parameters

Name Key Required Type Description
Content-Type Header
Content-Type True string

Indicates the media-type of the resource.

Accept Header
Accept True string

application/json

Accept-Encoding Header
Accept-Encoding True string

Accept-Encoding

Unique identifier for every request response pair
Correlation-ID True GUID

Unique identifier for every request response pair

U.S. Bank customer ID this request is for
On-Behalf-Of string

The U.S. Bank customer ID if the API request is submitted by a service provider on behalf of the customer. This field is conditionally required.

accountID
accountID array of string

Accounts Unique Identifier

accountNumber
accountNumber string

Account Number of the authorized customer

routingNumber
routingNumber string

Routing Number of the authorized customer

accountType
accountType string

Type of Account

pageNumber
pageNumber string

Current Page Number from query result to return

pageSize
pageSize string

Results page size

Returns

Name Path Type Description
accountsSummaryPreviousDay
accountsSummaryPreviousDay array of AccountSummaryPreviousDay
warnings
warnings array of Warnings
pageMeta
pageMeta PageMeta

To minimize response times for requests and generally improve the end-user experience

Get list of accounts for the authorized customer

Get list of accounts for the authorized customer.

Parameters

Name Key Required Type Description
Accept Header
Accept True string

application/json

Accept-Encoding Header
Accept-Encoding True string

Accept-Encoding

Unique identifier for every request response pair
Correlation-ID True GUID

Unique identifier for every request response pair

U.S. Bank customer ID this request is for
On-Behalf-Of string

The U.S. Bank customer ID if the API request is submitted by a service provider on behalf of the customer. This field is conditionally required.

Page Number
pageNumber string

Current Page Number from query result to return

Page Size
pageSize string

Results page size

Returns

Name Path Type Description
accounts
accounts array of AccountDescriptor
pageMeta
pageMeta PageMeta

To minimize response times for requests and generally improve the end-user experience

Get transactions of an account for current-day

Get transactions of an account for current-day.

Parameters

Name Key Required Type Description
Accept Header
Accept True string

application/json

Accept-Encoding Header
Accept-Encoding True string

Accept-Encoding

Unique identifier for every request response pair
Correlation-ID True GUID

Unique identifier for every request response pair

U.S. Bank customer ID this request is for
On-Behalf-Of string

The U.S. Bank customer ID if the API request is submitted by a service provider on behalf of the customer. This field is conditionally required.

Account Id
accountID True string

Unique Account Identifier

Bank Reference Transaction Id
bankReferenceNumber string

Unique transaction identifier

Page Number
pageNumber string

Current Page Number from query result to return

Page Size
pageSize string

Results page size

Returns

Name Path Type Description
transactions
transactions array of Transaction
lastRefreshedDateTime
lastRefreshedDateTime lastRefreshedDateTime

ISO 8601 Date format that the data is from.

pageMeta
pageMeta PageMeta

To minimize response times for requests and generally improve the end-user experience

Get transactions of an account for prior business days over a date range

Get transactions of an account for prior business days over a date range.

Parameters

Name Key Required Type Description
Accept Header
Accept True string

application/json

Accept-Encoding Header
Accept-Encoding True string

Accept-Encoding

Unique identifier for every request response pair
Correlation-ID True GUID

Unique identifier for every request response pair

U.S. Bank customer ID this request is for
On-Behalf-Of string

The U.S. Bank customer ID if the API request is submitted by a service provider on behalf of the customer. This field is conditionally required.

Account Id
accountID True string

Unique Account Identifier

Start Date
startDate string

Start date/time to retrieve transactions. ISO 8601.

End Date
endDate string

End date/time to retrieve transactions. ISO 8601.

Page Number
pageNumber string

Current Page Number from query result to return

Page Size
pageSize string

Results page size

Returns

Name Path Type Description
transactions
transactions array of Transaction
pageMeta
pageMeta PageMeta

To minimize response times for requests and generally improve the end-user experience

Initiate an RTP credit transfer Transaction

Allows for applications to initiate an RTP credit transfer. The payer in the credit transfer should be a US Bank customer.

Parameters

Name Key Required Type Description
Content-Type Header
Content-Type True string

Indicates the media-type of the resource.

Accept Header
Accept True string

application/json

Accept-Encoding Header
Accept-Encoding True string

Accept-Encoding

Unique identifier for every request response pair
Correlation-ID True GUID

Unique identifier for every request response pair

U.S. Bank customer ID this request is for
On-Behalf-Of string

The U.S. Bank customer ID if the API request is submitted by a service provider on behalf of the customer. This field is conditionally required.

clientRequestID
clientRequestID True string

Unique identifier defined by the client application for every Credit transfer/ RFP

name
name True string

name of the US bank customer who's account will be debited

accountNumber
accountNumber True string

Account number of the payer

routingNumber
routingNumber True Routing number should pass the check digit validation

US bank routing number

addressLine1
addressLine1 True string

Main address of the recipient. Include house number, street name, apartment number etc.

addressLine2
addressLine2 string

Main address of the recipient. Include house number, street name, apartment number etc.

city
city True string

Recipient's resident city.

state
state True ISO 3166-2:US

Recipient's resident state.

zipCode
zipCode True ##### or #####-####

Recipient's resident ZIP code.

country
country True ISO 3166 CountryCode

Recipient's resident country. Only allowed value is US.

name
name True string

Name of the ultimate payer

identifier
identifier string

Identifier of the ultimate payer

addressLine1
addressLine1 True string

Main address of the recipient. Include house number, street name, apartment number etc.

addressLine2
addressLine2 string

Main address of the recipient. Include house number, street name, apartment number etc.

city
city True string

Recipient's resident city.

state
state True ISO 3166-2:US

Recipient's resident state.

zipCode
zipCode True ##### or #####-####

Recipient's resident ZIP code.

country
country True ISO 3166 CountryCode

Recipient's resident country. Only allowed value is US.

name
name True string

name of the payee who's account will be credited

accountNumber
accountNumber True string

Account number of the payer

routingNumber
routingNumber True Routing number should pass the check digit validation

routing number of the receiving bank

addressLine1
addressLine1 True string

Main address of the recipient. Include house number, street name, apartment number etc.

addressLine2
addressLine2 string

Main address of the recipient. Include house number, street name, apartment number etc.

city
city True string

Recipient's resident city.

state
state True ISO 3166-2:US

Recipient's resident state.

zipCode
zipCode True ##### or #####-####

Recipient's resident ZIP code.

country
country True ISO 3166 CountryCode

Recipient's resident country. Only allowed value is US.

name
name True string

Name of the ultimate payee

identifier
identifier string

Identifier of the ultimate payee

addressLine1
addressLine1 True string

Main address of the recipient. Include house number, street name, apartment number etc.

addressLine2
addressLine2 string

Main address of the recipient. Include house number, street name, apartment number etc.

city
city True string

Recipient's resident city.

state
state True ISO 3166-2:US

Recipient's resident state.

zipCode
zipCode True ##### or #####-####

Recipient's resident ZIP code.

country
country True ISO 3166 CountryCode

Recipient's resident country. Only allowed value is US.

amount
amount True number

Amount to be transferred. The amount should be formatted with 2 decimal places

paymentType
paymentType True string

Type of RTP payment that will allow the sending and receiving bank to process the payment appropriately

remittanceID
remittanceID string

Remittance Identification from remt.001 to identify the separate remittance advice sent by the Debtor that is associated with the Credit Transfer

email
email string

Email address where the remittance info was sent

URI
URI string

URI where the remittance info was sent

additionalInfo
additionalInfo string

Used to provide additional remittance related information

Returns

Name Path Type Description
transactionID
clientDetails.transactionID string

Unique identifier assigned by US Bank. This id can be used to retrieve the transaction later

clientRequestID
clientDetails.clientRequestID string

Unique identifier defined by the client application for every Credit transfer/ RFP

Initiate an RTP request for payment (RFP)

Allows for applications to initiate an RTP request for payment for receiving money in your US Bank account.

Parameters

Name Key Required Type Description
Content-Type Header
Content-Type True string

Indicates the media-type of the resource.

Accept Header
Accept True string

application/json

Accept-Encoding Header
Accept-Encoding True string

Accept-Encoding

Unique identifier for every request response pair
Correlation-ID True GUID

Unique identifier for every request response pair

U.S. Bank customer ID this request is for
On-Behalf-Of string

The U.S. Bank customer ID if the API request is submitted by a service provider on behalf of the customer. This field is conditionally required.

clientRequestID
clientRequestID True string

Unique identifier defined by the client application for every Credit transfer/ RFP

name
name True string

name of the sender

accountNumber
accountNumber True string

Account number of the sender

routingNumber
routingNumber True Routing number should pass the check digit validation

US bank routing number

addressLine1
addressLine1 True string

Main address of the recipient. Include house number, street name, apartment number etc.

addressLine2
addressLine2 string

Main address of the recipient. Include house number, street name, apartment number etc.

city
city True string

Recipient's resident city.

state
state True ISO 3166-2:US

Recipient's resident state.

zipCode
zipCode True ##### or #####-####

Recipient's resident ZIP code.

country
country True ISO 3166 CountryCode

Recipient's resident country. Only allowed value is US.

name
name True string

Name of the ultimate payee

identifier
identifier string

Identifier of the ultimate payee

addressLine1
addressLine1 True string

Main address of the recipient. Include house number, street name, apartment number etc.

addressLine2
addressLine2 string

Main address of the recipient. Include house number, street name, apartment number etc.

city
city True string

Recipient's resident city.

state
state True ISO 3166-2:US

Recipient's resident state.

zipCode
zipCode True ##### or #####-####

Recipient's resident ZIP code.

country
country True ISO 3166 CountryCode

Recipient's resident country. Only allowed value is US.

name
name True string

name of the payer to whom the RFP is being sent

accountNumber
accountNumber True string

Account number of the payer

routingNumber
routingNumber True Routing number should pass the check digit validation

routing number of the receiving bank

addressLine1
addressLine1 True string

Main address of the recipient. Include house number, street name, apartment number etc.

addressLine2
addressLine2 string

Main address of the recipient. Include house number, street name, apartment number etc.

city
city True string

Recipient's resident city.

state
state True ISO 3166-2:US

Recipient's resident state.

zipCode
zipCode True ##### or #####-####

Recipient's resident ZIP code.

country
country True ISO 3166 CountryCode

Recipient's resident country. Only allowed value is US.

name
name True string

Name of the ultimate payer

identifier
identifier string

Identifier of the ultimate payer

addressLine1
addressLine1 True string

Main address of the recipient. Include house number, street name, apartment number etc.

addressLine2
addressLine2 string

Main address of the recipient. Include house number, street name, apartment number etc.

city
city True string

Recipient's resident city.

state
state True ISO 3166-2:US

Recipient's resident state.

zipCode
zipCode True ##### or #####-####

Recipient's resident ZIP code.

country
country True ISO 3166 CountryCode

Recipient's resident country. Only allowed value is US.

amount
amount True number

Amount to be transferred. The amount should be formatted with 2 decimal places

paymentType
paymentType True string

Type of RTP payment that will allow the sending and receiving bank to process the payment appropriately

requestedExecutionDateTime
requestedExecutionDateTime True YYYY-MM-DDThh:mm:ss

Date or Date & time on which the payment is to be executed. Date & time should be provided Eastern Time. If only date is provided, then it is assumed that the payment is to be done by EOD calendar day, ET

expiryDateTime
expiryDateTime True YYYY-MM-DDThh:mm:ss

Date or date and time, after which, the debtor isn't allowed to initiate a CT in response to this request. Date & time should be provided as per Eastern Time. Date cant be before execution date

paymentModificationAllowed
paymentModificationAllowed True boolean

Indicates if an amount other than the requested amount can be paid or not

remittanceID
remittanceID string

Remittance Identification from remt.001 to identify the separate remittance advice sent by the Debtor that is associated with the Credit Transfer

email
email string

Email address where the remittance info was sent

URI
URI string

URI where the remittance info was sent

additionalInfo
additionalInfo string

Used to provide additional remittance related information

fullAmount
fullAmount True number

Amount before the discount is applied.This field is used to indicate total due amount for bill pay related RFPs

discountedAmount
discountedAmount True number

Amount after the discount is applied.This field is used to indicate minimum due amount for bill pay related RFPs

Returns

Name Path Type Description
transactionID
clientDetails.transactionID string

Unique identifier assigned by US Bank. This id can be used to retrieve the transaction later

clientRequestID
clientDetails.clientRequestID string

Unique identifier defined by the client application for every Credit transfer/ RFP

Retrieve status and details of a RTP credit transfer Transaction sent

Allows for applications to retrieve the status and details of an RTP credit transfer that was initiated or an incoming credit transfer.

Parameters

Name Key Required Type Description
Accept Header
Accept True string

application/json

Accept-Encoding Header
Accept-Encoding True string

Accept-Encoding

Unique identifier for every request response pair
Correlation-ID True GUID

Unique identifier for every request response pair

U.S. Bank customer ID this request is for
On-Behalf-Of string

The U.S. Bank customer ID if the API request is submitted by a service provider on behalf of the customer. This field is conditionally required.

Transaction ID being retrieved
transactionID True string

Transaction ID associated with the transactions being retrieved.

Returns

Retrieve status and details of an RFP sent

Allows for applications to retrieve the status and details of an RTP RFP that was initiated.

Parameters

Name Key Required Type Description
Accept Header
Accept True string

application/json

Accept-Encoding Header
Accept-Encoding True string

Accept-Encoding

Unique identifier for every request response pair
Correlation-ID True GUID

Unique identifier for every request response pair

U.S. Bank customer ID this request is for
On-Behalf-Of string

The U.S. Bank customer ID if the API request is submitted by a service provider on behalf of the customer. This field is conditionally required.

Transaction ID being retrieved
transactionID True string

Transaction ID associated with the transactions being retrieved.

Returns

Body
RFPDetails

Definitions

Address

Name Path Type Description
addressLine1
addressLine1 string

Main address of the recipient. Include house number, street name, apartment number etc.

addressLine2
addressLine2 string

Main address of the recipient. Include house number, street name, apartment number etc.

city
city string

Recipient's resident city.

state
state ISO 3166-2:US

Recipient's resident state.

zipCode
zipCode ##### or #####-####

Recipient's resident ZIP code.

country
country ISO 3166 CountryCode

Recipient's resident country. Only allowed value is US.

ClientDetails

Name Path Type Description
clientRequestID
clientRequestID string

Unique identifier defined by the client application for every Credit transfer/ RFP

UltimatePayer

Ultimate payer details incase payer is intermediary. Should only be used for 'INTERMEDIARY' paymentType

Name Path Type Description
name
name string

Name of the ultimate payer

identifier
identifier string

Identifier of the ultimate payer

address
address Address

UltimatePayee

Ultimate payee details incase payee is intermediary. Should only be used for 'INTERMEDIARY' paymentType

Name Path Type Description
name
name string

Name of the ultimate payee

identifier
identifier string

Identifier of the ultimate payee

address
address Address

TransactionResponse

Name Path Type Description
clientDetails
transactiondDetails.clientDetails ClientDetails
transactionID
transactiondDetails.transactionID string

Transaction ID of the credit transfer transaction

originalRFPTransactionID
transactiondDetails.originalRFPTransactionID string

Transaction ID of the original RFP incase the credit transfer is in response to an RFP

transactionType
transactiondDetails.transactionType string

Whether the transaction is an inbound or an outbound transaction

statusCode
transactiondDetails.status.statusCode string
message
transactiondDetails.status.message string

Additional details of the transaction status

amount
transactiondDetails.amount number

Amount of the transaction

name
transactiondDetails.payerDetails.name string

Name of the payer

accountNumber
transactiondDetails.payerDetails.accountNumber string

Last 4 digits of Payer account number that was used for making the payment.

address
transactiondDetails.payerDetails.address Address
ultimatePayerDetails
transactiondDetails.ultimatePayerDetails UltimatePayer

Ultimate payer details incase payer is intermediary. Should only be used for 'INTERMEDIARY' paymentType

name
transactiondDetails.payeeDetails.name string

Name of the payee

accountNumber
transactiondDetails.payeeDetails.accountNumber string

Last 4 digits of the Account number of the payee

routingNumber
transactiondDetails.payeeDetails.routingNumber string

Routing number of the payee bank

address
transactiondDetails.payeeDetails.address Address
ultimatePayeeDetails
transactiondDetails.ultimatePayeeDetails UltimatePayee

Ultimate payee details incase payee is intermediary. Should only be used for 'INTERMEDIARY' paymentType

remittanceID
transactiondDetails.remittanceData.remittanceID string

Remittance Identification from remt.001 to identify the separate remittance advice sent by the Debtor that is associated with the Credit Transfer

email
transactiondDetails.remittanceData.remittanceLocationDetails.email string

Email address where the remittance info was sent

URI
transactiondDetails.remittanceData.remittanceLocationDetails.URI string

URI where the remittance info was sent

additionalInfo
transactiondDetails.remittanceData.additionalInfo string

Used to provide additional remittance related information

RFPDetails

Name Path Type Description
clientDetails
requestForPayment.clientDetails ClientDetails
transactionType
requestForPayment.transactionType string

Whether the transaction is an inbound or an outbound transaction

statusCode
requestForPayment.status.statusCode string
message
requestForPayment.status.message string

Additional details of the transaction

name
requestForPayment.payeeDetails.name string

name of the sender

accountNumber
requestForPayment.payeeDetails.accountNumber string

Account number of the sender

routingNumber
requestForPayment.payeeDetails.routingNumber string

routing number of the sending bank

ultimatePayeeDetails
requestForPayment.ultimatePayeeDetails UltimatePayee

Ultimate payee details incase payee is intermediary. Should only be used for 'INTERMEDIARY' paymentType

name
requestForPayment.payerDetails.name string

name of the payer to whom the RFP is being sent

accountNumber
requestForPayment.payerDetails.accountNumber string

Account number of the payer

routingNumber
requestForPayment.payerDetails.routingNumber string

routing number of the receiving bank

ultimatePayerDetails
requestForPayment.ultimatePayerDetails UltimatePayer

Ultimate payer details incase payer is intermediary. Should only be used for 'INTERMEDIARY' paymentType

transactionID
requestForPayment.requestDetails.transactionID string

Transaction id assigned by US Bank.

amount
requestForPayment.requestDetails.amount number

Amount to be transferred. The amount should be formatted with 2 decimal places

paymentType
requestForPayment.requestDetails.paymentType string

Type of RTP payment that will allow the sending and receiving bank to process the payment appropriately

requestedExecutionDateTime
requestForPayment.requestDetails.requestedExecutionDateTime string

Date or Date & time on which the payment is to be executed. If only date is provided, then it is assumed that the payment is to be done by EOD calendar day, ET

expiryDateTime
requestForPayment.requestDetails.expiryDateTime string

Date or date and time, after which, the debtor isn't allowed to initiate a CT in response to this request. Date cant be before execution date

paymentModificationAllowed
requestForPayment.requestDetails.paymentModificationAllowed boolean

Indicates if an amount other than the requested amount can be paid or not

responseDetails
requestForPayment.responseDetails RFPResponseDetails
remittanceID
requestForPayment.remittanceData.remittanceID string

Remittance Identification from remt.001 to identify the separate remittance advice sent by the Debtor that is associated with the Credit Transfer

email
requestForPayment.remittanceData.remittanceLocationDetails.email string

Email address where the remittance info was sent

URI
requestForPayment.remittanceData.remittanceLocationDetails.URI string

URI where the remittance info was sent

additionalInfo
requestForPayment.remittanceData.additionalInfo string

Used to provide additional remittance related information

fullAmount
requestForPayment.remittanceData.discountDetails.fullAmount number

Amount before the discount is applied.This field is used to indicate total due amount for bill pay related RFPs

discountedAmount
requestForPayment.remittanceData.discountDetails.discountedAmount number

Amount after the discount is applied.This field is used to indicate minimum due amount for bill pay related RFPs

RFPResponseDetails

Name Path Type Description
responseCode
responseCode string

Captures the type of response.
Scheduled - RFP scheduled for a future date
Reject - RFP will not be paid.

creditTransfertransactionIDs
creditTransfertransactionIDs array of string

Transaction IDs of the credit transfer(s) in case any credit transfers were sent in response to RFP

rejectReason
rejectionDetails.rejectReason string

Reject reason incase a rejection was sent by the receiver

additionalInformation
rejectionDetails.additionalInformation string

Additional Information on the reject reason

amountAccepted
scheduledPaymentDetails.amountAccepted number

Amount accepted if payment modification is allowed in original RFP

earlyPaymentIndicator
scheduledPaymentDetails.earlyPaymentIndicator boolean

Indicates if the debtor agrees to pay on or before the requested date or not

scheduledDateTime
scheduledPaymentDetails.scheduledDateTime YYYY-MM-DDThh:mm:ss

The date or date and time on which the payment is scheduled

RTPEligibilityResponse

Provides RTP eligibility information for a routing number

Name Path Type Description
rtpEligible
rtpEligible boolean

Indicates if the routing number provided is part of the RTP network

AccountDescriptor

Light weight summary of the account

Name Path Type Description
accountID
accountID string

Unique ID for the Account

accountName
accountName string

Name of Account

accountNumber
accountNumber string

Account Number of the authorized customer

routingNumber
routingNumber string

Routing Number of the authorized customer

bankName
bankName string

Name of the customers Bank

accountType
accountType string

Type of Account

currency
currency string

ISO currency code of the transaction or balance

PageMeta

To minimize response times for requests and generally improve the end-user experience

Name Path Type Description
pageNumber
pageNumber number

Current page number

pageSize
pageSize number

Results per page

pageCount
pageCount number

Total number of pages in the result set

totalCount
totalCount number

Total number of result records

links
links PageLinks

links

links

Name Path Type Description
prev
prev string

URL for previous page

next
next string

URL for next page

Warnings

A warning entity which can be used at the API level for successful responses.

Name Path Type Description
code
code string

Long term persistent identifier which can be used to trace warning condition back to log information

message
message string

End user displayable information, this is the human readable text that provides a high level categorization of the warning that has occurred

details
details array of object
attributeName
details.attributeName string
reason
details.reason string

AccountSummaryCurrentDay

Account Details Extends and inherits all fields from AccountDescriptor.

Account Details Extends and inherits all fields from AccountDescriptor.

AccountSummaryPreviousDay

Account Details Extends and inherits all fields from AccountDescriptor.

Account Details Extends and inherits all fields from AccountDescriptor.

Checks

The availability of the fields in the below object is dependent on type of transaction.

Name Path Type Description
captureDate
captureDate date

Capture date of the Check

lastRefreshedDateTime

ISO 8601 Date format that the data is from.

ISO 8601 Date format that the data is from.

ACH

The availability of the fields in the below object is dependent on type of transaction.

Name Path Type Description
companyName
companyName string

Company Name

individualID
individualID string

Individual ID

companyID
companyID string

Company ID

secCode
secCode string

SEC Code

companyDiscretionaryData
companyDiscretionaryData string

COMPANY DISCRETIONARY DATA

entryDescription
entryDescription string

Description of the entry

effectiveEntryDate
effectiveEntryDate date

Effective entry date of the transaction

RTP

The availability of the fields in the below object is dependent on type of transaction.

Name Path Type Description
created
created date

Transaction creation date

debtorClientReference
debtorClientReference string

Debtor Client Reference Number

debtorBankReference
debtorBankReference string

Debtor bank reference number

debtorName
debtorName string

Debtor Name

debtorAccount
debtorAccount string

Debtor Account

debtorBankID
debtorBankID string

Debtor Bank Identifier

debtorBank
debtorBank string

Debtor Bank

debtorAddress
debtorAddress string

Debtor Address

creditorName
creditorName string

Creditor Name

creditorAccount
creditorAccount string

Creditor Account

creditorBankID
creditorBankID string

Creditor Bank Identifier

creditorBank
creditorBank string

Creditor Bank

creditorAddress
creditorAddress string

Creditor Address

Zelle

The availability of the fields in the below object is dependent on type of transaction.

Name Path Type Description
receiverName
receiverName string

Receiver Name

alias
alias string

Alias

paymentType
paymentType string

Payment Type

effectiveDate
effectiveDate date

Effective Date

paymentInstructionID
paymentInstructionID string

paymentInstructionID

parameterName
parameterName string

Parameter Name

parameterValue
parameterValue string

Parameter Value

Wires

The availability of the fields in the below object is dependent on type of transaction.

Name Path Type Description
parNumber
parNumber string

PAR Number

source
source string

Source

repeatCode
repeatCode string

Repeat Code

originator
originator string

Originator Information

originatorBank
originatorBank string

Originator Bank Name

beneficiaryReference
beneficiaryReference string

BENEFICIARY REFERENCE

beneficiary
beneficiary string

Beneficiary

beneficiaryBank
beneficiaryBank string

Beneficiary Bank Name

originatorToBeneficiaryInfo
originatorToBeneficiaryInfo string

ORIGINATOR TO BENEFICIARY INFO

sendingBank
sendingBank string

Sender Bank Name

intermediaryBank
intermediaryBank string

INTERMEDIARY BANK Name

receivingBank
receivingBank string

Receiving Bank Name

receivedDate
receivedDate date

Date/Time Received

completedDate
completedDate date

Date/Time Completed

initiatedBy
initiatedBy string

Entity that initiated the transfer

approvedBy
approvedBy string

Entity that approved the transfer

bankToBankInfo
bankToBankInfo string

Bank to Bank Transfer Information

imad
imad string

IMAD Number

fedReference
fedReference string

Federal Reference Number

controlNumber
controlNumber string

Control Number

Transaction

Basic information of an account.

Name Path Type Description
accountID
accountID string

Unique ID for the Account

transactionDate
transactionDate string

Posted date of the transaction

debitCreditIndicator
debitCreditIndicator string

Debit/Credit indicator

transactionDescription
transactionDescription string

Transaction Description

transactionType
transactionType string

Type of transaction

BAICode
BAICode string

Bank Administration Institute code of the transaction

transactionReferenceNumber
transactionReferenceNumber string

This attribute is a customer provided ID for each transaction. It may or may not be echoed back depending on whether it is provided by the customer or mapped by the our system.

bankReferenceNumber
bankReferenceNumber string

This attribute is a bank system generated unique transaction ID for each transaction. It refer's to the following types of transactions
1. For RTP transactions, bankReferenceNumber is the unique transaction identifier
2. For BookTransfers transaction, bankReferenceNumber is the unique transaction identifier
3. For checkDeposits/CheckPaid/Cont Disb Checks/Outgoing cash Letter, bankReferenceNumber is the unique transaction identifier.
4. For ACH transactions, bankReferenceNumber refers to the PAR Number provided by the ACH network
5. For Zelle transactions, bankReferenceNumber refers to the paymentInstructionID
6. For wire transactions, bankReferenceNumber refers to the PAR Number provided by the fed/swift network

amount
amount number

Transaction Amount

currency
currency string

ISO currency code of the transaction or balance

achTransactionDetails
achTransactionDetails ACH

The availability of the fields in the below object is dependent on type of transaction.

rtpTransactionDetails
rtpTransactionDetails RTP

The availability of the fields in the below object is dependent on type of transaction.

zelleTransactionDetails
zelleTransactionDetails Zelle

The availability of the fields in the below object is dependent on type of transaction.

checksTransactionDetails
checksTransactionDetails Checks

The availability of the fields in the below object is dependent on type of transaction.

wiresTransactionDetails
wiresTransactionDetails Wires

The availability of the fields in the below object is dependent on type of transaction.

additionalInformation
additionalInformation array of string