A Home Warranty merchant account from a bank that knows your category

Roots Payments places home warranty companies with acquiring banks and processors that knowingly underwrite home warranty plans, 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.
Talk to a protection plan provider payments specialistAll home warranty companies solutions
Free 30-minute consultation. Review your setup, compare options and leave with clear next steps.

Payment solutions for home warranty companies

How each solution supports home warranty companies

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

High-Risk Merchant Account

For home warranty companies: Present your model for protection-plan charges and warranty services to specialist processing partners, with product and fulfillment documentation prepared. Roots Payments places home warranty companies with acquiring banks and processors that knowingly underwrite home warranty plans, 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 licenses (often under insurance departments), plan terms, and claim data)
  • Application packaged and submitted only to acquirers with appetite for your category
  • Plain-English walkthrough of pricing, reserve, and termination terms before you sign

Recurring Billing

For home warranty companies: Schedule and manage payments for plan renewals and recurring protection charges, including renewals and customer account balances. Recurring charges are a leading dispute source for home warranty companies 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
Explore this solution

ACH Payments

For home warranty companies: Offer bank-account payments for protection-plan charges and warranty services, with authorization and invoice matching built into the workflow. Bank payments give home warranty companies 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
Explore this solution
✓

Transfer initiated

$2,909.00 · ref ACH-7731

Chargeback Management

For home warranty companies: Organize evidence for disputed protection-plan charges and warranty 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
Explore this solution

Payouts

For home warranty companies: Distribute amounts owed to authorized repair providers and service contractors, with payment references matched to coverage references, renewal dates and claim records. Pay contractors for approved claims by bank transfer. Roots Payouts sends bank payments to subcontractors, crews and vendors. Provided through our licensed banking and money-transmission partners. Roots Payments is not a bank or money transmitter.
  • Set up payee onboarding
  • Connect payouts to job completion or approvals
  • Reconciliation reporting
Explore this solution

High-Risk Merchant Account questions

Questions protection plan provider merchants ask about approval.
We review the business model, products, website and processing history, then initiate the application with a suitable processing partner.
Bring ownership details, licenses, recent processing statements and clear fulfillment and refund policies. We organize the application around your specific business.
Bring your products, licenses, processing statements and fulfillment policies. Roots uses these details to plan the workflow for home warranty companies 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.

Ready to talk it through?

Book a free 30-minute review. We’ll map your setup, explain the options and work through clear next steps.
Talk to a protection plan provider payments specialistAll home warranty companies solutions