The right way to recover card costs in public-sector billing

Government agencies, higher-education institutions and, since October 18, 2025, utilities (MCC 4900) can use Visa's service-fee program, which follows different rules from surcharging and convenience fees. Roots sets up compliant fee models and disclosures.
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What each solution adds

Explore what each solution adds to collection, records and support.

Service Fees

Government agencies, higher-education institutions and, since October 18, 2025, utilities (MCC 4900) can use Visa's service-fee program, which follows different rules from surcharging and convenience fees. Roots sets up compliant fee models and disclosures.
  • Eligibility (MCC) review
  • Fee-model design and disclosure copy
  • State/PUC rule check

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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Online Bill Pay Portal

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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Service Fees for your industry

Service Fees questions

Roots reviews the payment program with your processing partner and helps configure the fee display, receipts and reconciliation.
We plan a clear notice before payment and a receipt that shows how the payment was calculated, using the program requirements confirmed for your business.
Bring your payment program, customer notices and receipt requirements. 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.

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.
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