Global Rails for PayFacs & ISOs

Payment companies and financial institutions need rails they can resell or embed. Our service providers' Financial Institution Portal and sub-program structures let approved payment companies set rates, add acceptance methods and deliver globally. Roots helps with scoping and integration.
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Payment solutions for payment facilitators, isos & financial institutions

How these solutions fit payment facilitators, isos & financial institutions

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

Embedded Payments

For payment facilitators, isos & financial institutions: Put checkout for financial-platform transactions and account services inside your software, keeping payment events connected to customer and operating records. Our service providers' top tier includes sub-program creation and management, so approved payment companies can serve their own clients inside a bank-visible hierarchy. 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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Multi-Currency Payments

For payment facilitators, isos & financial institutions: Collect financial-platform transactions and account services in the currencies your customers use and reconcile them against the original order or invoice. Our service partners aggregate rails from multiple providers behind one integration, which cuts vendor sprawl for payment companies with global merchants. Provided through service partners coordinated by Roots.
  • Match your currency corridors to our service partners’ coverage before you apply
  • Prepare entity and beneficial-ownership documentation for KYC approval
  • Connect multi-currency balances and FX activity to your accounting system
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Stablecoin Settlement

For payment facilitators, isos & financial institutions: Explore stablecoin settlement for amounts owed to verified platform merchants and account users, with recipient and invoice references retained. Some merchants want settlement in stablecoins. Payment companies can offer it through our service partners without building crypto operations. Provided through service partners coordinated by Roots.
  • Decide where stablecoins actually improve your settlement, and where ACH or wire is still the better rail
  • Coordinate onboarding with our service partners and scope the payment program around your volume
  • Build the reconciliation between on-chain transactions and your ledger
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Payouts

For payment facilitators, isos & financial institutions: Distribute amounts owed to verified platform merchants and account users, with payment references matched to customer accounts, payment events and settlement references. Payment companies can add payouts for their clients without building separate bank integrations. Provided through our licensed banking and money-transmission partners.
  • Design your payout flow: funding, approvals, timing and recipient experience
  • Handle the partner application and underwriting package
  • Build the integration between your platform and the payout API
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Crypto Payments & Conversion

For payment facilitators, isos & financial institutions: Plan a digital-asset payment option for financial-platform transactions and account services, with conversion and reconciliation mapped to the sale. Offer clients conversion between stablecoins and dollars through our service partners’ ramp partners. Provided through service partners coordinated by Roots.
  • Map your flows first: who pays, in which asset, on which network, and where the dollars land
  • Assemble KYB, ownership and compliance documents for our service partners’ onboarding review
  • Build custom integrations that push conversion and settlement data into your accounting or ERP
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Payment Facilitators, ISOs & Financial Institutions payment questions

Start with the workflows your business needs. Options on this page include Sub-Program Infrastructure for PayFacs, Multi-Currency Settlement for PayFacs, Offer Stablecoin Settlement to Merchants. Roots helps compare the setup, software and processing requirements around how you operate.
Yes. Bring your current POS, checkout or billing tools and recent processing statements. We review customer payment collection, settlement preferences and reconciliation, then plan the changes your payment facilitators, isos & financial institutions business needs.
Request a quote for your business. The review covers your payment mix, locations, software, hardware recommendations and implementation work. Consultations and payment reviews are free.
Bring recent payment statements, the systems you use and a record of how a customer places an order, receives a service or pays a bill. Tell us which payment facilitators, isos & financial institutions workflows need to improve so we can scope a practical setup.

Let’s set up payments for your payment facilitators, isos & financial institution business

Book a free 30-minute payment review to compare costs, address payment problems and plan your next steps.
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