Low-cost bank payments in both directions.

Payroll credits go out with the Nacha PAYROLL descriptor. Roots sets up ACH collections and disbursements for your business, including same-day ACH. Entry descriptions and fraud monitoring follow the Nacha rules that took effect in 2026.
Talk to a software platform payments specialistAll payroll & hr software solutions
Free 30-minute consultation. Review your setup, compare options and leave with clear next steps.
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Transfer initiated

$2,306.20 · ref ACH-7731

Payment solutions for payroll & hr software

How each solution supports payroll & hr software

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

Embedded Accounts

For payroll & hr software: Plan account and money-movement workflows for platform merchants and software partners within your platform's operating process. Earnings accounts inside your employee app. Roots embeds accounts for your employees that are held at our partner banks. Balances sit in the app, move out by ACH or card, and are reconciled against the bank's records every day.
  • Pick an account structure with the partner bank
  • Design the ledger and reconciliation with the bank's records as the source of truth
  • Build the in-app account experience
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ACH Payments

For payroll & hr software: Offer bank-account payments for customer payments, software subscriptions and platform fees, with authorization and invoice matching built into the workflow. Payroll credits go out with the Nacha PAYROLL descriptor. Roots sets up ACH collections and disbursements for your business, including same-day ACH. Entry descriptions and fraud monitoring follow the Nacha rules that took effect in 2026.
  • Pick SEC codes and draft authorization language
  • Integrate ACH with your billing or payout system
  • Document the risk-based fraud monitoring Nacha requires
✓

Transfer initiated

$2,306.20 · ref ACH-7731

ACH Payments questions

Questions software platform teams ask about payouts.
ACH lets customers pay from a bank account. Roots helps set up authorization, payment collection and reconciliation through a processing partner.
Yes. We can plan one-time and recurring bank-account payments, including authorization records, failed-payment handling and customer receipts.
Bring your billing schedule, bank-payment authorizations and reconciliation process. Roots uses these details to plan the workflow for payroll & hr software 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 software platform payments specialistAll payroll & hr software solutions