United States
Merchant services for financial institutions
Merchant services that drive portfolio growth
Payroc provides merchant services for financial institutions, partnering with banks and credit unions to help business clients accept payments securely while driving your deposits, retention, and non-interest revenue.
Merchant services for financial institutions include payment processing, point-of-sale solutions, security and compliance support, and portfolio reporting, all delivered through a partner model that fits your bank or credit union.
Why Payroc
Does your current merchant-services vendor drive results? If not, itâs time to talk to Payroc.
Banker Enablement
Payroc does much more than respond upon request. Your dedicated representative drives success through proactive outreach, training, co-marketing, co-selling support, and incentives.
Growth Engine
We deliver what matters, including increased commercial deposits and non-interest income. We are your commercial growth engine.
Commercial Retention and Acquisition
Stronger merchant services earns you better client retention and increased client acquisition. Grow commercial year-over-year-over-year.
Compliance and Risk Management
Safeguard your institution and clientsâ assets with Payrocâs PCI DSS Level 1 compliance and SOC Types 1 and 2 certifications.
Client Satisfaction
Your business clients will love Payrocâs cost-saving options, tailored point-of-sale systems, and award-winning support.
Marketing Support
Your dedicated Payroc representative helps you drive success through banker training, cobranded materials, co-selling, and sales contests and incentives.
Modern merchant services for every business
Payroc is a stronger merchant-services partner to banks and credit unions. We offer much more than payment processing for financial institutions. We provide all the software and hardware tools your commercial clients need to run their businesses, sell their products and services, and get paid quickly and efficiently.
Surcharging
With Payrocâs compliant surcharging program, your business clients can save 50-70% on payment processing. Add it to any point-of-sale or invoicing system.
Dual Pricing
Our compliant dual-pricing program eliminates processing fees by allowing your clients to give their customers the choice of a cash price or a higher card price. Add it to any point-of-sale or invoicing system.
Point of Sale and Embedded Payments
From industry favorites to proprietary Payroc products, we offer modern point of sales systems and embedded-payment solutions tailored to every type and size of business.
Mobile Payments
Businesses of all kinds use mobile payments, both in-store and on-the-go. We offer the handhelds and phone apps they need.
Payment Types
With Payroc, your clients can easily accept any payment type they choose, from credit and debit to ACH, digital wallets, and more.
Electronic Invoicing
Businesses that invoice have many options with Payroc, including digital invoices, texted or emailed payment links, branded payment portals, QuickBooks and other accounting software sync, and more.
SMB, enterprise, and everything in between
Payroc has extensive experience and offerings in many verticals and across business scales. We help businesses small and large set up specialty payment and point-of-sales systems that fit their unique industry and help them improve efficiency, cash flow, and profits.
- Retail
- Service Businessesâsalons, professional services, field services, and more
- Nonprofits
- Public Sector
- Ecommerce
- Manufacturing
- Technology
- Healthcare
- Education
- B2B, B2C, B2G
- U.S. and Global
How it works
We understand that switching merchant-services providers can seem daunting. Rest assured, Payroc has the rock-solid processes and teams in place to make it easy.
- Banker training programs
- Co-marketing and co-selling to new prospects
- Cost-saving opportunities for existing business clients
- White-glove migration for businesses that express interest
- No merchant disruption, downtime, or attrition
Uncover hidden revenue in your business banking portfolio
How much are merchant services adoption and leakage impacting your retention and non-interest income? Enter a few high-level metrics to generate a directional view of your merchant-services opportunity.
Merchant services FAQs for financial institutions
Merchant services for financial institutions are the essential payment acceptance and processing solutions banks and credit unions provide to business clients to help them operate efficiently and grow. A strong merchant-services partnership also drives the financial institution’s commercial growth, deposits, and fee-based revenue.
Merchant services can deepen primary banking relationships, increase operating deposits tied to payment activity, and create fee-based revenue beyond interest margin.
A partner model includes banker enablement, proactive relationship management, portfolio reporting, and flexible solutions aligned to your institutionâs goals, not just transaction processing.
Switching is easier than most institutions expect. With a structured rollout plan and hands-on support, your partner manages banker training and merchant transitionsâhelping you upgrade your program without disrupting your team or your clients.
No. Most modern merchant-services programs support flexible onboarding, which means existing merchants can often stay on their current setup while new clients are onboarded to the new platform. Over time, transitions can happen graduallyâbased on whatâs best for each business.
Payroc supports PCI DSS Level 1 compliance and maintains SOC Type 1 and SOC Type 2 certifications to help protect payment data and support risk management.
Itâs a directional estimate that helps identify how many card-accepting businesses may be outside your current program and the potential impact on relationships and non-interest income.
Yes. Payroc provides proactive relationship management, banker training, and co-selling/co-marketing support to help your team succeed.