Lower costs on business cards for CPA firms

When your clients pay with corporate or purchasing cards, sending Level 2 and Level 3 data can qualify those payments for lower interchange. Lower interchange on clients' commercial cards.
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Payment solutions for cpa firms

How each solution supports cpa firms

See what each option adds to the way your business takes and tracks payments.

Square Invoices

For cpa firms: Send itemized invoices for accounting engagements and preparation fees and track deposits, due dates and outstanding balances. Square Invoices sends unlimited invoices, estimates and contracts by email, text or link, with automatic reminders and cards or bank accounts on file. Engagement invoices with deposits and recurring advisory billing. Roots sets up your templates, schedules and accounting sync.
  • Build branded invoice and estimate templates with your terms and policies
  • Set up recurring series with card or bank account on file
  • Connect Square to QuickBooks Online or Xero and map your accounts
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Square Virtual Terminal

For cpa firms: Take authorized phone or remote payments for accounting engagements and preparation fees from a browser-based terminal. Square Virtual Terminal turns a browser into a card terminal for phone, mail and remote payments. Take phone payments at tax deadlines. Roots sets up cards on file, recurring schedules and staff permissions.
  • Set up cards on file and recurring schedules with written authorization templates
  • Pair Square Terminal for the front desk if you also take in-person payments
  • Set permissions so only authorized staff can key in cards
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Merchant Account

For cpa firms: Arrange a processing account for accounting engagements and preparation fees, with checkout methods matched to how customers pay. A dedicated merchant account underwritten for your CPA firm, with pricing you can read and a person to call. MCC 8931 accounts with B2B-friendly pricing.
  • Analyze your current statements and quote side by side
  • Prepare the underwriting package so approval moves quickly
  • Set up terminals, gateway and software connections
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ACH Payments

For cpa firms: Offer bank-account payments for accounting engagements and preparation fees, with authorization and invoice matching built into the workflow. ACH moves money directly between bank accounts, usually for far less than cards on large payments. ACH for large engagement fees.
  • Set up authorization and verification
  • Configure payment pages and invoices
  • Handle returns and reporting
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Transfer initiated

$2,500.00 · ref ACH-7731

Level 2/3 Processing

For cpa firms: Include purchase-order references and itemized invoice data for business-card purchases of accounting engagements and preparation fees. When your clients pay with corporate or purchasing cards, sending Level 2 and Level 3 data can qualify those payments for lower interchange. Lower interchange on clients' commercial cards.
  • Review your card mix to estimate savings
  • Configure your gateway or invoicing to send the data
  • Validate qualification on live transactions

Recurring Billing

For cpa firms: Schedule and manage payments for bookkeeping retainers and recurring advisory fees, including renewals and customer account balances. Automate recurring card and ACH charges for memberships, retainers and payment plans. Monthly advisory and CFO retainers.
  • Draft authorization language for recurring charges
  • Set up schedules and retry rules
  • Connect billing to your software
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Credit Card Surcharging

For cpa firms: Plan credit-card surcharge disclosures for accounting engagements and preparation fees, keeping eligible card payments distinct at checkout. A surcharge program adds a disclosed fee to credit card payments to offset processing costs. Credit card surcharges where your state allows. Roots configures card detection so debit and prepaid cards are never surcharged.
  • Check your state's rules
  • File required notice with card networks through your acquirer
  • Configure terminals, invoices and receipts
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Custom Payment Integration

For cpa firms: Connect the payment flow for accounting engagements and preparation fees with your software and the operational records behind engagement invoices, retainers and client account balances. We connect payments to the systems you already run so balances, receipts and deposits reconcile automatically. Post payments to your practice-management system.
  • Scope integrations your software vendor supports
  • Build and test the connection
  • Keep sensitive data out of payment records
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Level 2/3 Processing questions

Questions accounting firm firms ask about billing and payments.
Business card payments can include additional invoice and line-item information. Roots reviews your transaction data and processing setup to plan the required fields.
No. We review the actual card mix and processing results with your processing partner, then compare the effect on your statement.
Bring your business-card mix, invoice fields and transaction line-item data. Roots uses these details to plan the workflow for cpa firms and prepare a clear setup scope.
Request a quote for your business and the setup you need. We review the scope and costs with you before you proceed. Consultations and payment reviews are free.

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Book a free 30-minute review. We’ll map your setup, explain the options and work through clear next steps.
Talk to an accounting firm payments specialistAll cpa firms solutions