Card acceptance where the state allows it

A dedicated merchant account gives beer, wine and spirits distributors their own merchant ID, pricing built on actual card-network costs, and underwriting that understands your payment patterns. Card acceptance for states that permit it, set up with your compliance team. Roots matches you with the right acquiring bank and stays your point of contact after approval.
Talk to a distributor payments specialistAll beer, wine & spirits distributors solutions
Free 30-minute consultation. Review your setup, compare options and leave with clear next steps.

Payment solutions for beer, wine & spirits distributors

How each solution supports beer, wine & spirits distributors

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

ACH Payments

For beer, wine & spirits distributors: Offer bank-account payments for wholesale orders, trade invoices and delivery charges, with authorization and invoice matching built into the workflow. ACH lets beer, wine and spirits distributors collect invoices to bars, restaurants and stores directly from a payer's bank account, usually at a lower cost than cards on larger payments. ACH debits on delivery or within the state-allowed window. Roots sets up ACH with authorization language and fraud controls that meet Nacha's rules.
  • Write compliant authorization language for licensed retailers
  • Set up account verification and return monitoring
  • Help you meet Nacha's 2026 fraud-monitoring requirements
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Transfer initiated

$5,395.00 · ref ACH-7731

Mobile Payments

For beer, wine & spirits distributors: Collect payments for wholesale orders, trade invoices and delivery charges away from a fixed counter, with transactions recorded against the sale or job. Mobile payments let beer, wine and spirits distributors take cards on a phone, tablet or handheld terminal wherever the work happens. Drivers collect payment at delivery where state law allows. Roots provisions devices on your merchant account and supports them nationwide.
  • Choose devices for your drivers, reps or volunteers
  • Set up user logins and permissions per device
  • Train field staff
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Custom Payment Integration

For beer, wine & spirits distributors: Connect the payment flow for wholesale orders, trade invoices and delivery charges with your software and the operational records behind purchase orders, invoice lines and shipment references. Payments are only half the job. Beer, Wine & Spirits Distributors also need each payment posted to the right account, invoice or record automatically. Payments post to your route and ERP 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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Merchant Account

For beer, wine & spirits distributors: Arrange a processing account for wholesale orders, trade invoices and delivery charges, with checkout methods matched to how customers pay. A dedicated merchant account gives beer, wine and spirits distributors their own merchant ID, pricing built on actual card-network costs, and underwriting that understands your payment patterns. Card acceptance for states that permit it, set up with your compliance team. Roots matches you with the right acquiring bank and stays your point of contact after approval.
  • Review your current statements and model interchange-plus costs
  • Prepare the application and underwriting package
  • Configure terminals, gateway and reporting

Merchant Account questions

Questions distributor finance teams ask about B2B payments.
It enables your business to accept card payments through a processing partner. Roots helps compare the options, prepare the application and configure your checkout.
Yes. A free review covers processing charges, payment channels and equipment so you can decide which changes make sense.
Bring your processing statements, payment channels and checkout equipment. Roots uses these details to plan the workflow for beer, wine & spirits distributors 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 distributor payments specialistAll beer, wine & spirits distributors solutions