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Card as a Service  API

Core Banking API

Money Movement API

Reference API

Innovation API Products

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Getting started with our APIs

User guide

Support

- Classify customer purchases (using MCC codes) for budgeting purposes.
- Propose opportunities for customers to save money.
- Create card controls to restrict user purchases for only approved categories (based on MCC).
- Create fraud alerts by analyzing transaction history to find abnormal spending behaviors.

Example use cases

<p>Access both U.S. Bank common product definitions and industry standard Merchant Category Codes.</p>


A "Merchant Category Code" (MCC) is a four-digit code assigned by the major credit card networks (e.g. Visa, Mastercard, American Express and Discover) to every business that applies to accept credit cards. This code indicates the nature of the merchant's business (e.g Airlines, Veterinary Sciences, Hardware Store, etc.) They have become the standard for categorizing card purchases based on industry. This API provides methods to look up both the definitions of MCCs and popular U.S. Bank product types.

Overview

- Provides complete details of Merchant Category Codes (MCC).
- Ability to look up MCC definition by code.
- Ability to find all related MCC values by searching with a key word (e.g. "Restaurant").
- Retrieve the complete list of all MCC values.
- Provides a list of U.S. Bank products.
- Contains common product abbreviations.

Features

![Accounts - workflow](/content/dam/developer-portal-solutions/en-us/innovation/media/images/products/reference-api/reference-workflow.png)

Workflow

Alliance Offers

Data as a Service

Invitation to Apply

Accounts

Bank Holidays

Card Activation

Challenge-Widget

Commercial Credit Cards

Commercial Statements

Credit Card Account Details

Credit Card Accounts Overview

Credit Card Alerts

Credit Card Application Status

Credit Card APRs

Credit Card Balance Transfers

Credit Card Disputes

Credit Card Payments

Credit Card Qualified Offers

Credit Card Statements

Credit Card Transactions

Data Sharing for Marketing Purposes

Digital Wallets

Make a Payment - Coming Soon

Rewards Accelerator

Rewards Automatic Redemption

Rewards: Balance Summary

Rewards: Dashboard

Rewards Redemption Accounts

Rewards Redemptions

Rewards Transactions: Earned and Redeemed

Travel Notifications

User Profile

3DSecure2

Avvance

CheckoutJs

Commerce SDK

Converge

Disputes Management

Dynamic Currency Conversion

eBoarding

Elavon Cloud Payments Interface

Elavon Payment Gateway

Fusebox

Hosted Payment Page

In Person Payments on Opayo

Leads

Lightbox payment modal

Online Payments on Opayo

Opayo

Opayo Direct

Opayo Forms

Opayo Reporting API

Opayo Server

Opayo Shared API

Payment Method Gateway

Payments Core 365

Simplify

viaconex

XML API

Card as a Service API

Access Online Transactions

Account Transfers

Account Validation

ACH Originations

Bank Information

Card as a Service

Check Payables

Corporate Account Information

Corporate Credit Cards

Corporate Onboarding

Corporate Statements

Custody

Data Toolbox

Data Toolbox - Accounts

Data Toolbox - Documents

Data Toolbox - Transactions

Debit Card Phone Number Lookup

Disbursements via Zelle®

U.S. Bank Flexible Capital Platform

Freight Payment Customer Profiles

Freight Payment Transactions

Incoming Webhooks

Instant Payments

Investment Accounting

PaySmart

Payee Choice

Payee Token+

Personal Loans

Positive Pay

Push to Card

Receivables

RTP® - Real-Time Payments

Tokenized Payments

Treasury Builder

U.S. Bank FBO Account

Virtual Account Reporting

Virtual Card Payments

Voyager Accounts

Voyager Cards

Voyager Drivers

Voyager Transactions

Voyager Vehicles

Wire Transfers

Documentation

API reference

Overview

Features

Workflow

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Product Documents

Example use cases