(Description)
Music; card reader showing a contactless card transaction

(Speech)
SPEAKER: Calculating the total cost of payment acceptance can be complicated.

(Descripton)
Building blocks of different rates stack up. Arrow pushes the stacks of rates and costs over.

(Speech)
Start with 300+ interchange categories and rates. Then Add on network fees, assessments, downgrades, compliance costs and provider-specific fees.

(Description)
Illustration of man at desk working on computer with the monitor showing question marks.

(Speech)
Given all that, it’s no surprise most financial leaders have no simple way of knowing how much their company is spending, just to get paid! 

(Description)
Illustration of credit cards with the text "Card acceptance fees increased by 24% in 2021. National Retail Federation, 2022.

(Speech)
In fact, the only thing organizations spend more on is payroll. 

(Description)
Various illustrations showing different transaction types; mobile wallet, cash, invoice, credit card and watch payment.

(Speech)
At U.S. Bank, we understand it’s not enough to just know today’s economic realities, and the challenges businesses face when working to rein in costs. 

(Description)
Illustration of a building showing varying amounts of money move to other companies.

(Speech)
You need a partner with an abundance of payment experience to deliver cost savings solutions customized to your company

(Description)
Three icons representing hidden fees, money movement and rates with the text Payment Optimization Solutions.

(Speech)
That’s why we offer a suite of Payment Optimization solutions...

(Description)
Illustrations showing bar graph and representing the reduction of spending and simplified process.

(Speech)
that help businesses and finance leaders understand both where and how to reduce spending and improve payment acceptance processes.

(Description)
Illustration of a man and woman in business attired with the text "Lower the cost of payment acceptance"

(Speech)
Our accomplished payment optimization consultants analyze statements and identify opportunities to lower the cost of payment acceptance. 

(Description)
Icons representing the words on screen: Reveal buried interchange markup, identify hidden fees and downgrades

(Speech)
They reveal buried interchange markup, identify hidden fees and downgrades...

(Description)
Multiple paths illustrated in lines and words highlighting different payment environments (online payments, in-person payments and mobile payments).

(Speech)
and calculate the potential savings across all channels.

(Description)
Credit card and debit card illustrations

(Speech)
Automating solutions including commercial card and debit card optimization can significantly reduce interchange rates and lessen acceptance costs...

(Description)
Several business people working at desks that reduce down to just three inviduals working at desks.

(Speech)
while helping eliminate manual processes

(Description)
Split screen. On the left shows the text "A surcharge or service fee program can help offset the cost of accepting cards. The right shows illustrations of a card reader transfering dollars to the cardholder.

(Speech)
Implementing a credit card surcharge or service fee program can help offset  the cost of accepting cards by passing some or all of the transaction cost to the cardholders.

(Description)
Three monitors showing charts and graphs with the U.S. Bank logo in the middle monitor.

(Speech)
We do the work so you can focus on maintaining a healthy bottom line. 

(Description)
Icons showing money, an upward trending chart and thumps up.

(Speech)
Experience matters. Trust the payment optimization professionals at U.S. Bank to help 

Stop spending so much to get paid so you can get back to business. 

(Description)
U.S. Bank logo and the url www.usbank.com/payopt

(Speech)
Explore Payment Optimization Solutions from U.S. Bank. 
 
Visit www.usbank.com/payopt to learn more.