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.
- Your fingerprint or a code is required for purchase.
- Retailers don’t store your payment information.
Easy setup.
Easier paying.
Conveniently and securely pay business travel expenses on the go with your U.S. Bank commercial card using Apple Pay®.*
- Hold your iPhone® near the contactless reader.
- Complete payment using Face ID® or Touch ID®
- Your card information isn't stored with the merchant or with Apple®.
Apple Pay is a breakthrough contactless payment technology that makes it simple to use your U.S. Bank commercial card for quick, secure purchases.
If you have an iPhone, Apple Watch® or iPad® it's easy to add your
U.S. Bank commercial card and start making purchases—in-app, in-store and on the web.
Pay with a touch at over a million stores.
Go ahead. Keep your wallet and card in your pocket. With Apple Pay, paying is as simple as selecting Apple Pay at checkout and completing the payment using Face ID or Touch ID. On the Apple Watch, double-click the side button and hold the Apple Watch up to the contactless reader.
You'll find that popular retailers and nonprofits across the nation accept Apple Pay.
- Use Apple Pay where you see these:
- Use it inside mobile apps and on the web.
- Enjoy the same comprehensive travel benefits.
- No need to waste time pulling out a card.
All about security.
With Apple Pay, instead of using your actual credit card numbers, a unique Device Account Number is assigned, encrypted and securely stored in the Secure Element, a dedicated chip in iPhone, iPad, and Apple Watch.
That means every payment that you make is private. And because your card stays in your purse or wallet, that helps ensure your information isn't revealed to anyone.
- 24-Hour Fraud Protection is included for every U.S. Bank customer.
- Your financial information isn't stored by Apple.
How to get started.
1. Pull out your U.S. Bank card
For more specific information about card compatibility, please contact your card program manager or commercial card relationship manager.
2. Add card to Apple Pay
Open the Wallet app (included with latest iOS). Tap the "+" in upper right corner to add a card. Use the device's camera to capture card information. Enter card's security code. Follow identity verification steps provided.
3. Touch to pay
With your card added, you're now ready to make purchases in store, in app or on the web. Authorize payment on the iPhone Face ID or Touch ID. With Apple Watch, just double click the side button.
Add your card.
Add another
way to pay.
Conveniently and securely pay expenses on the go with your U.S. Bank commercial card using Google Pay™.
- Pay with a tap at contactless terminals.
- Rest assured that your transactions are secure.
- Keep track of your purchases with payment confirmations after purchase.
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.
It’s as easy as tap, pay, done.
Move past fumbling through your wallet to find a card. With Google Pay, you can use your card simply by pulling out your phone.
- Google Pay works where you see these symbols:
- Unlock your phone, place it near the retailer’s terminal, and tap. That’s all it takes.
Security. Everywhere.
When you use your phone to pay in stores, Google Pay doesn’t send your actual credit or debit card number with your payment. Instead, a virtual account number is used to represent your account information – so your card details stay safe. And if you ever lose your phone, you can use Android Device Manager to instantly lock your device from anywhere, secure it with a new password, or even wipe it clean of your personal information.
Track your purchases.
Make a purchase with Google Pay and receive payment confirmation on your phone with the merchant's name, number, and location. You can access this information at any time. Which makes it simple to keep track of all your Google Pay purchases.
And in the event that there's any suspicious activity involving a purchase on your phone, it'll appear on your screen, too. So you'll be able to take action immediately.
How to get started.
1. Pull out your U.S. Bank card
For more specific information about card compatibility, please contact your card program manager or commercial card relationship manager.
2. Add card with camera
Google Pay is loaded onto many devices. If your phone doesn't have it, download it. Then with the app open, tap the "+" sign in the app and follow the instructions to add your card manually or with the camera.
3. Tap to pay
With your card added, you can now start tapping to pay. Simply unlock your phone and tap the contactless terminal at any location that accepts Google Pay.
Accepted
almost
anywhere.
Conveniently and securely pay business travel expenses on the go with your U.S. Bank commercial card using Samsung Pay.
- Pay almost anywhere you can swipe your card.*
- Samsung Knox security is built right in.
- It's simple to set up.
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.
To pay, just hover.
Samsung Pay is easy to use. You'll add your debit or credit card in just a few simple steps. Then swipe up on your phone screen, or press and hold your watch’s back key, to launch it at checkout.
- Samsung Pay works at any retailer where you'd normally swipe your card.
- Hold your device near a terminal and authorize the transaction on your phone with a fingerprint, or tap to pay with your watch.
Built-in security. Embedded peace of mind.
When you add your card to your device, the security features of Samsung Pay encrypt all your information. When you make a payment at a retailer, they don't have access to your actual card number—instead a dynamic token is created. Your information stays safe.
- Embedded Samsung Knox technology monitors your device round the clock for suspicious activity.
- In the event your device is compromised, your card information is safely encrypted within a separate and secure data vault.
How to get started.
1. Pull out your U.S. Bank card
For more specific information about card compatibility, please contact your card program manager or commercial card relationship manager.
2. Add card with camera
With your Samsung phone's camera, scan your card's information. Then secure it with your fingerprint and a backup PIN number—or upload your card's information to your watch. Follow the steps to verify your identity.
3. Hover to pay
Now that you've added your card, it's simple to use Samsung Pay at a store; swipe up on your phone screen, or press and hold your watch's back key, to activate Samsung Pay. Hold your phone above the terminal or tap your watch to pay.
Wearable devices are an easy way to make purchases anywhere contactless payments are accepted around the globe - right from your wrist. They add a layer of convenience for you and your on the go work life.
Fitbit®
How to get started:
- Open your Fitbit app on your phone. With your device nearby, tap the Today tab, tap your profile image to access settings.
- Tap your device image, then tap the Wallet tile, tap the + to add your card to the Wallet.
- Follow the on-screen instructions to add a payment card. In some cases, we may require additional verification.
If you’re setting up Fitbit Pay for the first time, you may be prompted to set a 4-digit PIN code for your device. Note that you also need passcode protection enabled for your phone.
To use:
- Open Fitbit Pay on your watch. If prompted, enter your 4-digit device PIN code. Your default card appears on the screen.
- To pay with your default card, hold your wrist near the payment terminal.
- A successful payment causes your watch to vibrate, and a confirmation message appears on the screen.
Garmin Watch
How to get started:
- Open the Garmin Connect app on your phone.
- Go to “Garmin Devices,” then select your wearable device.
- Select “Garmin Pay,” then “Create Your Wallet.”
- Create a four-digit passcode to keep the digital wallet on your watch secure.
- Select your card type, then enter your card data manually or using the camera. We may require additional steps to verify your identity.
To use:
- Open Garmin wallet and choose the card you would like to pay with.
- Hold the watch up to the reader.
- If the transaction is approved the watch will buzz signaling that the transaction has been completed.
Apple Watch®
How to get started:
- Open the Apple Watch app on your iPhone.
- Tap My Watch, then tap Wallet & Apple Pay.
- Tap the + to Add a Card, then follow the onscreen instructions. We may require additional steps to verify your identity.
To use:
Double-click the side button and hold the Apple Watch up to the contactless reader.
Galaxy Watch
How to get started:
- On your Samsung Phone, open the Galaxy Wearable app, then tap the payment section on the home screen.
- Samsung Pay will prompt you to add a security pin to your Galaxy Watch.
- Add a card by taking a photo of the card or enter the card details manually. We may require additional steps to verify your identity. Note: you may need to Download a Samsung Pay plug-in (if needed search for Galaxy Watch Plugin in Google Play Store). Once you’ve installed the plug-in, tap the Samsung Pay link in the app.
To use:
Press and hold your watch’s back key, to launch it at checkout.
Wear OS by Google
How to get started:
- On your watch, open the Google Pay app and tap Get Started.
- On your phone, follow the instructions to add a card within the Google Pay app. Note: This only adds a card to the Google Pay app on your watch (not your phone).
- Your card will show up on your watch.
Note: you may be prompted to set up screen lock (if you haven’t already).
To use:
- On your watch, open the Google Pay app
. - Hold your watch over the contactless payment reader until you hear a sound or your watch vibrates.
Mobile Payments FAQ.
1. What are mobile payments?
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™.
2. Why should I consider using mobile payments?
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.
3. Where am I able to make mobile payments?
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.
4. Does my phone have the ability to use mobile payments?
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.
5. How do I add my commercial card to my phone?
- 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.
6. Does U.S. Bank have credit cards that can be used to make mobile payments?
Yes. U.S. Bank consumer credit and debit cards have been enabled for mobile payments for a while, but corporate cards have not been enabled until recently. U.S. Bank has made the functionality available now for most U.S. Bank commercial card holders in the U.S. and we continue to add additional commercial card types. For more specific information about card compatibility, please contact your card program manager or commercial card relationship manager.
7. Are mobile payments secure?
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.
8. Do I have to call the bank to set up mobile payments?
Based on some account conditions, additional authentication through the call center may be required.
9. Why don’t the last 4 digits on my receipt match the last 4 digits of my physical card?
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.
10. Why does my card look different for mobile payments than it does on my physical 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.
11. Why is my mobile payment not being accepted?
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.