Payments for Water & Sewer Utilities

Water and sewer utilities, mostly municipal or district-run, bill monthly or quarterly and need to cut paper checks and walk-in payments.
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Payment solutions for water & sewer utilities

How these solutions fit water & sewer utilities

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

Service Fees

For water & sewer utilities: 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. Utilities (MCC 4900) and government payments can carry a disclosed service fee on cards. 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 water & sewer utilities: 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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ACH Payments

For water & sewer utilities: Offer bank-account payments for utility bills, connection charges and service balances, with authorization and invoice matching built into the workflow. ACH lets water and sewer utilities collect water, sewer and stormwater bills directly from a payer's bank account, usually at a lower cost than cards on larger payments. Low-cost bank autopay for water bills. 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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Pay-by-Phone (IVR)

For water & sewer utilities: 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 water and sewer utilities any time, without staff hearing or handling card numbers. 24/7 IVR payments. 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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Unattended Payments

For water & sewer utilities: 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 water and sewer utilities take payments around the clock without a staffed counter. Kiosks replace after-hours check drop boxes. 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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Water & Sewer Utilities payment questions

Start with the workflows your business needs. Options on this page include Service Fee Programs for Sewer Utilities, Online Bill Pay Portal for Sewer Utilities, ACH Payments for Water & Sewer 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 water & sewer utilities 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 water & sewer utilities workflows need to improve so we can scope a practical setup.

Let’s set up payments for your water & sewer utilitie business

Book a free 30-minute payment review to compare costs, address payment problems and plan your next steps.
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