24/7 IVR bill pay

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.
Talk to an utility payments specialistAll electric & gas utilities (incl. co-ops) solutions
Free 30-minute consultation. Review your setup, compare options and leave with clear next steps.

Payment solutions for electric & gas utilities (incl. co-ops)

How each solution supports 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

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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Transfer initiated

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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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Pay-by-Phone (IVR) questions

Questions utility administrators ask about payments.
Customers follow voice or keypad prompts to identify their bill and pay it. Roots coordinates the payment collection and posting workflow.
We plan payment references, confirmation messages and status reporting so your team can verify which balance was paid.
Bring your account-lookup fields, call flow and payment-posting process. Roots uses these details to plan the workflow for electric & gas utilities (incl. co-ops) 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 an utility payments specialistAll electric & gas utilities (incl. co-ops) solutions