A backup plan for your payments, done by the rules

For high-risk businesses, one acquirer review can freeze sales. Roots can set up a second, fully disclosed and separately underwritten merchant account for redundancy, with routing that fails over when needed. We don't split volume to avoid card-network monitoring.
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Multiple MIDs & Backup Processing

For high-risk businesses, one acquirer review can freeze sales. Roots can set up a second, fully disclosed and separately underwritten merchant account for redundancy, with routing that fails over when needed. We don't split volume to avoid card-network monitoring.
  • Disclosure to every acquirer
  • Failover rules and testing
  • Ratio monitoring per MID and combined

Merchant Account

Roots Payments sets up merchant accounts through its sponsor-bank processing relationships, with interchange-plus pricing you can read and a named contact who answers. Use it with our gateway, Roots POS or compatible terminals.
  • Underwriting prep and application help
  • Statement review against your current processor
  • Equipment and gateway setup
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High-Risk Merchant Account

Roots works with acquiring banks that underwrite higher-risk industries. We can review virtually any legal business, subject to underwriting, and set up processing with the reserves and chargeback controls banks require.
  • Application package prep (processing history, policies, site review)
  • Website and policy compliance review
  • Chargeback-prevention setup
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Review the fit for your industry

Explore the businesses Roots supports, then tell us how yours works so we can review whether this option fits.
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Multiple MIDs & Backup Processing questions

Separate accounts can organize different businesses, locations or approved processing needs. Roots helps plan the structure with your processing partners.
We map the location or business identifiers, statement records and reconciliation process so your team can track each account separately.
Bring your business entities, locations, account agreements and reporting needs. Roots uses these details to plan your workflow 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.
Review My Payment SetupExplore payment solutions