A Debt Collection merchant account from a bank that knows your category

Roots Payments places debt collection agencies with acquiring banks and processors that knowingly underwrite consumer and commercial debt payments, 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.
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Free 30-minute consultation. Review your setup, compare options and leave with clear next steps.

Payment solutions for debt collection agencies

How each solution supports debt collection agencies

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

High-Risk Merchant Account

For debt collection agencies: Present your model for permitted advisory fees and service charges to specialist processing partners, with product and fulfillment documentation prepared. Roots Payments places debt collection agencies with acquiring banks and processors that knowingly underwrite consumer and commercial debt payments, 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 collection licenses, FDCPA/Regulation F policies, and convenience-fee 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

Text to Pay

For debt collection agencies: 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 debt collection agencies. 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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ACH Payments

For debt collection agencies: Offer bank-account payments for permitted advisory fees and service charges, with authorization and invoice matching built into the workflow. Bank payments give debt collection agencies 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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Transfer initiated

$1,468.99 · ref ACH-7731

Recurring Billing

For debt collection agencies: 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 debt collection agencies 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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Chargeback Management

For debt collection agencies: Organize evidence for disputed permitted advisory fees and service charges, including customer authorizations, delivery details and service records. Roots coordinates chargeback-management services to help your business handle disputes and organize responses.
  • Discuss your business goals on a free consultation
  • Coordinate your provider introduction and setup
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Custom Payment Integration

For debt collection agencies: 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. Debt collection agencies 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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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 debt collection agencies 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 debt collection agencies solutions