An earnings account inside your app, held at a partner bank.

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.
Talk to a software platform payments specialistAll payroll & hr software solutions
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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

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
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Transfer initiated

$2,306.20 · ref ACH-7731

Embedded Accounts questions

Questions software platform teams ask about payouts.
They place an account experience within a platform or business workflow. Roots coordinates the program design and service-partner introduction.
The account provider handles account opening and its financial services. Roots helps organize onboarding, the software connection and transaction reporting.
Bring your platform, account use cases and customer onboarding flow. 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.

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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 a software platform payments specialistAll payroll & hr software solutions