ACH and eCheck for timeshare and vacation ownership developers: a second payment rail

Bank payments give timeshare and vacation ownership developers 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.
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Free 30-minute consultation. Review your setup, compare options and leave with clear next steps.
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Transfer initiated

$5,989.00 · ref ACH-7731

Payment solutions for timeshare & vacation ownership developers

How each solution supports timeshare & vacation ownership developers

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

High-Risk Merchant Account

For timeshare & vacation ownership developers: Present your model for vacation ownership charges and accommodation services to specialist processing partners, with product and fulfillment documentation prepared. Roots Payments places timeshare and vacation ownership developers with acquiring banks and processors that knowingly underwrite timeshare interests and maintenance fees, 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 timeshare registrations, public offering statements, and rescission procedures)
  • Application packaged and submitted only to acquirers with appetite for your category
  • Plain-English walkthrough of pricing, reserve, and termination terms before you sign
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Recurring Billing

For timeshare & vacation ownership developers: Schedule and manage payments for maintenance charges and scheduled ownership payments, including renewals and customer account balances. Recurring charges are a leading dispute source for timeshare and vacation ownership developers 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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ACH Payments

For timeshare & vacation ownership developers: Offer bank-account payments for vacation ownership charges and accommodation services, with authorization and invoice matching built into the workflow. Bank payments give timeshare and vacation ownership developers 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
✓

Transfer initiated

$5,989.00 · ref ACH-7731

Chargeback Management

For timeshare & vacation ownership developers: Organize evidence for disputed vacation ownership charges and accommodation services, 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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Text to Pay

For timeshare & vacation ownership developers: Send a payment request for vacation ownership charges and accommodation services by text so customers can pay against a specific order or invoice. Keying card numbers from phone calls is costly and dispute-prone for timeshare and vacation ownership developers. 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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Payment Gateway

For timeshare & vacation ownership developers: Connect online or remote checkout for vacation ownership charges and accommodation services to a gateway that fits your business systems. Route transactions through a gateway that can connect to more than one acquiring bank, so billing doesn't stop if one relationship ends. Our gateway tokenizes cards, supports authorizations and delayed capture, and connects to your booking or management software.
  • We connect the gateway to your software
  • We set fraud and authorization rules for your business
  • We support you after launch
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ACH Payments questions

Questions vacation ownership company merchants ask about approval.
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 timeshare & vacation ownership developers 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 vacation ownership company payments specialistAll timeshare & vacation ownership developers solutions