Payment Processing for Electric & Gas

Electric and gas utilities, including rural electric co-ops, bill every member monthly and need low-cost channels that post to the billing system.
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Payment solutions for electric & gas utilities (incl. co-ops)

How these solutions fit electric & gas utilities (incl. co-ops)

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

Service Fees

For electric & gas utilities (incl. co-ops): Present service-fee rules clearly when collecting utility bills, connection charges and service balances, with the fee and payment recorded separately. Card networks let eligible government, higher-education tuition and utility merchants charge a disclosed service fee, which is different from a retail surcharge or convenience fee. Since October 2025, utilities can charge a disclosed service fee on Visa card payments, with ACH offered at no fee. Roots configures the service fee correctly for your merchant category and checks your state's rules.
  • Confirm your merchant category (including MCC 9311, 9399, 8220, 8249 or 4900) qualifies
  • Check state and local limits on fees
  • Configure fee display and receipts
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Online Bill Pay Portal

For electric & gas utilities (incl. co-ops): Give customers an online way to settle utility bills, connection charges and service balances, using account references and outstanding bill balances. Roots builds branded bill-pay portals with payment collection, customer balances and transaction records. Book a free consultation to plan your portal and request a quote.
  • Discuss your business goals on a free consultation
  • Coordinate your provider introduction and setup
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Pay-by-Phone (IVR)

For electric & gas utilities (incl. co-ops): Let customers pay utility bills, connection charges and service balances through an automated phone flow linked to the correct bill or account. An automated pay-by-phone line (IVR) lets customers pay electric and gas utilities and cooperatives any time, without staff hearing or handling card numbers. An automated line takes payments during outages and after hours. Roots sets up the IVR and connects it to your account records.
  • Script call flows and account lookup
  • Integrate with your billing system
  • Monitor call and payment completion
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ACH Payments

For electric & gas utilities (incl. co-ops): Offer bank-account payments for utility bills, connection charges and service balances, with authorization and invoice matching built into the workflow. ACH lets electric and gas utilities and cooperatives collect monthly utility bills, deposits and reconnect fees directly from a payer's bank account, usually at a lower cost than cards on larger payments. Low-cost autopay from bank accounts. Roots sets up ACH with authorization language and fraud controls that meet Nacha's rules.
  • Write compliant authorization language for customers
  • Set up account verification and return monitoring
  • Help you meet Nacha's 2026 fraud-monitoring requirements
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Unattended Payments

For electric & gas utilities (incl. co-ops): Build self-service checkout for utility bills, connection charges and service balances at kiosks, stations or access points that operate without a staffed counter. Unattended payment kiosks and readers let electric and gas utilities and cooperatives take payments around the clock without a staffed counter. Kiosks at offices and retail partners. Roots specifies the hardware, sets up processing and connects it to your back-office system.
  • Specify kiosk hardware and placement
  • Integrate with your account or giving system
  • Monitor devices and support them after launch
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Text to Pay

For electric & gas utilities (incl. co-ops): Send a payment request for utility bills, connection charges and service balances by text so customers can pay against a specific order or invoice. Text-to-pay sends a secure payment link by SMS, so customers can pay electric and gas utilities and cooperatives in a few taps without logging in. Text customers a pay link with each bill. Roots sets up message templates, consent capture and reconciliation.
  • Write text templates and reminder schedules
  • Set up consent and opt-out handling
  • Connect payments to your billing system
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Custom Payment Integration

For electric & gas utilities (incl. co-ops): Connect the payment flow for utility bills, connection charges and service balances with your software and the operational records behind customer accounts, meter references and bill balances. Payments are only half the job. Electric & Gas Utilities also need each payment posted to the right account, invoice or record automatically. Real-time posting to your customer information system. Roots scopes, builds and supports the integration.
  • Map how payments should post in your system
  • Build, test and host the integration
  • Support and maintain it as systems change
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Electric & Gas Utilities (incl. Co-ops) payment questions

Start with the workflows your business needs. Options on this page include Service Fee Programs for Gas Utilities, Online Bill Pay Portal for Gas Utilities, Pay-by-Phone IVR for Gas Utilities. 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 invoices, registration payments, recurring collections and reconciliation, then plan the changes your electric & gas utilities (incl. co-ops) 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 electric & gas utilities (incl. co-ops) workflows need to improve so we can scope a practical setup.

Let’s set up payments for your electric & gas utilities (incl. co-ops) business

Book a free 30-minute payment review to compare costs, address payment problems and plan your next steps.
Talk to an utility payments specialistExplore utilities solutions