A Loan Payment merchant account from a bank that knows your category

Roots Payments places consumer lenders and loan servicers with acquiring banks and processors that knowingly underwrite loan repayments, so the account is built to last instead of flagged after the first review. We work with virtually any legal business, subject to underwriting; pricing, limits, and terms depend on the acquirer's review. Reserves may apply, and any reserve is disclosed in your agreement before you sign.
Talk to a credit services company payments specialistAll consumer lenders & loan servicers solutions
Free 30-minute consultation. Review your setup, compare options and leave with clear next steps.

Payment solutions for consumer lenders & loan servicers

How each solution supports consumer lenders & loan servicers

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

High-Risk Merchant Account

For consumer lenders & loan servicers: Present your model for permitted advisory fees and service charges to specialist processing partners, with product and fulfillment documentation prepared. Roots Payments places consumer lenders and loan servicers with acquiring banks and processors that knowingly underwrite loan repayments, so the account is built to last instead of flagged after the first review. We work with virtually any legal business, subject to underwriting; pricing, limits, and terms depend on the acquirer's review. Reserves may apply, and any reserve is disclosed in your agreement before you sign.
  • Pre-underwriting review of your website, checkout, and documents (state lending licenses and repayment disclosures)
  • Application packaged and submitted only to acquirers with appetite for your category
  • Plain-English walkthrough of pricing, reserve, and termination terms before you sign

ACH Payments

For consumer lenders & loan servicers: Offer bank-account payments for permitted advisory fees and service charges, with authorization and invoice matching built into the workflow. Bank payments give consumer lenders and loan servicers a lower-cost option for larger tickets and a backup if card processing is reviewed. ACH has its own risk rules, including return-rate limits under Nacha, so it is underwritten separately.
  • ACH underwriting alongside your card account
  • Authorization language and receipt templates
  • Integration into invoices, checkout, or your CRM
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$1,468.99 · ref ACH-7731

Recurring Billing

For consumer lenders & loan servicers: Schedule and manage payments for scheduled service charges and advisory subscriptions, including renewals and customer account balances. Recurring charges are a leading dispute source for consumer lenders and loan servicers when customers forget or can't cancel. Roots sets up billing with express consent capture, renewal reminders, simple online cancellation, and account-updater services, in line with ROSCA and state automatic-renewal laws.
  • Review of offer terms and checkout disclosures against ROSCA and state automatic-renewal laws
  • Billing platform setup and gateway integration
  • Descriptor and receipt design that customers recognize
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Text to Pay

For consumer lenders & loan servicers: Send a payment request for permitted advisory fees and service charges by text so customers can pay against a specific order or invoice. Keying card numbers from phone calls is costly and dispute-prone for consumer lenders and loan servicers. Text-to-pay sends a secure link so the customer enters their own card, with 3-D Secure and a stored consent record.
  • SMS opt-in and TCPA-aware messaging setup
  • Template copy for links and receipts
  • Integration with your CRM or case system
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Payouts

For consumer lenders & loan servicers: Distribute amounts owed to authorized contractors and service providers, with payment references matched to engagement terms, fee schedules and client invoices. Consumer lenders and loan servicers often need to send money out as well as take it in. Roots sets up payouts to bank accounts and eligible debit cards with recipient verification. Roots Payments is not a bank or money transmitter.
  • Payout flow design and partner onboarding
  • Integration with your platform or back office
  • Recipient support scripts
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Custom Payment Integration

For consumer lenders & loan servicers: Connect the payment flow for permitted advisory fees and service charges with your software and the operational records behind engagement terms, fee schedules and client invoices. Consumer lenders and loan servicers often run custom platforms that off-the-shelf plugins don't cover. Roots builds and maintains the integration between your platform and your approved gateway, including webhooks, reconciliation, and dispute data.
  • Scoping and build by the Roots team
  • Testing and launch support
  • Ongoing maintenance
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Instant Payouts

For consumer lenders & loan servicers: Plan faster disbursements to authorized contractors and service providers, matching each transfer to approved earnings or completed work. Borrowers pick lenders who fund fastest. Real-time rails can put money in accounts within seconds when the bank participates. Provided through our licensed banking and money-transmission partners.
  • Figure out which of your recipients can actually receive real-time payments
  • Set funding and limit rules so instant payouts don't outrun your balances
  • Build the event-to-payout integration in your platform
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Embedded Payments

For consumer lenders & loan servicers: Put checkout for permitted advisory fees and service charges inside your software, keeping payment events connected to customer and operating records. Virtual accounts can hold disbursements, collect repayments and reconcile by borrower. Provided through our licensed banking and money-transmission partners.
  • Scope the program: accounts, money flows, and which parts need a sponsor bank
  • Package your business plan and compliance program for partner and sponsor-bank review
  • Build or support the API integration and your customer onboarding flows
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High-Risk Merchant Account questions

Questions credit services company merchants ask about approval.
We review the business model, products, website and processing history, then initiate the application with a suitable processing partner.
Bring ownership details, licenses, recent processing statements and clear fulfillment and refund policies. We organize the application around your specific business.
Bring your products, licenses, processing statements and fulfillment policies. Roots uses these details to plan the workflow for consumer lenders & loan servicers 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.

Ready to talk it through?

Book a free 30-minute review. We’ll map your setup, explain the options and work through clear next steps.
Talk to a credit services company payments specialistAll consumer lenders & loan servicers solutions