--- title: Payment processing and financial tools for your clients image: https://partners.payroc.com/hubfs/AdobeStock_268502131-1068x801-696c21e.png --- ![payroc](https://partners.payroc.com/hs-fs/hubfs/Imported_Blog_Media/payroc-digital-logo-white%201-2.png?width=130&height=25&name=payroc-digital-logo-white%201-2.png) # Stronger merchant services for financial institutions ## Grow what matters Since 2003, Payroc has been partnering with banks and credit unions to power business through exceptional merchant services. We help financial institutions improve commercial retention and acquisition, grow deposits and non-interest revenue, and strengthen risk management with cost-saving payment processing, modern point-of-sale and payment solutions, and award-winning support. ![better business bureau icon](https://partners.payroc.com/hubfs/bbb-icon.png) A+ BBB Rating $125B Annual Volume 190K Partners and Merchants ![SecurityScorecard-Rating](https://partners.payroc.com/hubfs/SecurityScorecard-Rating.png) SecurityScorecard Rating Learn more What Sets us Apart ## Why Payroc 1 #### Relationship Management Payroc does much more than respond upon request. Your dedicated representative drives success through proactive outreach, training, and incentives. 2 #### Deposits and Revenue We deliver what matters—including increased commercial deposits and non-interest income. 3 #### Commercial Retention and Acquisition Stronger merchant services earns you better client retention *and* increased client acquisition. Grow commercial year-over-year-over-year. 4 #### Compliance and Risk Management Safeguard your institution and clients’ assets with Payroc’s PCI DSS Level 1 compliance and SOC Types 1 and 2 certifications. 5 #### Client Satisfaction Merchants love Payroc’s cost-saving options, tailored point-of-sale systems, and award-winning support. 6 #### Reporting and Insights You get custom reporting to manage referrals and performance. Your clients get the reporting they need to operate more strategically and grow. ### Portfolio opportunity snapshot Number of branches (approximate is fine) Business checking accounts (total active accounts) % of business accounts accepting cards (estimate if unknown) Calculate #### Your merchant-services opportunity snapshot Based on your inputs, here's what your current portfolio may be leaving on the table. [Capture this opportunity](https://partners.payroc.com/bobbalogh-ads?hsLang=en) ## Uncover hidden revenue in your business banking portfolio How much are merchant services adoption and leakage impacting your retention and non-interest income? Enter a few high-level metrics to generate a directional view of your merchant-services opportunity. [🔝](https://partners.payroc.com/strong-merchant-services#top) What We Provide ## The merchant services partner you can trust Payroc is a stronger merchant-services partner to banks and credit unions. We help you and your commercial clients grow what matters by focusing on what works for you. #### Surcharging With Payroc’s compliant surcharging program, your business clients can save 50-70% on payment processing. Add it to any point-of-sale or invoicing system! #### Dual Pricing Our compliant dual-pricing program eliminates processing fees by allowing your clients to give their customers the choice of a cash price or a higher card price. Add it to any point-of-sale or invoicing system! #### Point of Sale We offer modern point of sales systems tailored to every type and size of business, including industry favorites and proprietary Payroc products. #### Mobile Payments Businesses of all kinds use mobile payments, both in-store and on-the-go. We offer the handhelds and phone apps they need. #### Payment Types With Payroc, your clients can easily accept any payment type they choose, from credit and debit to ACH, digital wallets, and more. #### Electronic Invoicing Businesses that invoice have lots of options with Payroc, including digital invoices, texted or emailed payment links, branded payment portals, QuickBooks sync, and more. ![auto-save](https://partners.payroc.com/hubfs/auto-save.jpg) PAYROC SPECIALTY ## Turn every payment into deposit growth Payroc’s Auto Save program transforms everyday payment activity into a powerful deposit engine for your institution. Your commercial clients can automatically allocate a percentage of every deposit into a designated savings or checking account—building reserves for taxes, expenses, and long-term goals without lifting a finger. The result: stronger client financial health, increased deposit balances, and deeper, stickier banking relationships—driven seamlessly in the background of every transaction. Learn more ![payment professional](https://partners.payroc.com/hubfs/accounting-concept-businesswoman-working-using-calculator-@1200.jpg) ## Start a conversation With more than 20 years of hands-on experience building and optimizing merchant services programs for financial institutions, Bob Balogh helps banks and credit unions turn payments into a measurable growth engine—driving deposits, increasing fee income, and strengthening client retention. If your merchant services program isn’t delivering real growth, it’s time to fix it. Schedule a no-obligation strategy session to uncover gaps, identify missed revenue opportunities, and walk away with a clear path forward. Email **[bob.balogh@payroc.com](mailto:bob.balogh@payroc.com)** or call (614) 596-7600 to get started.   ## Ready to get started? Whether your bank or credit union is ready to get started with a new merchant-services partner or is in the early phases of researching future options, we’d be happy to speak with you. Let's talk [🔝](https://partners.payroc.com/strong-merchant-services#top) ##### Solutions ###### Payments - [Gateway](https://payroc.com/solutions/gateway/) - [Virtual Terminal](https://payroc.com/solutions/virtual-terminal/) - [ACH](https://payroc.com/solutions/ach/) - [Payroc Cloud](https://payroc.com/solutions/cloud/) - [Payment Links](https://payroc.com/solutions/paymentlinks/) - [Pricing Programs](https://payroc.com/solutions/pricing-programs/) - [Roc Giving](https://payroc.com/solutions/roc-giving/) - [Global Payment Orchestration](https://payroc.com/solutions/payment-orchestration/) - [Invoicing and Billing](https://payroc.com/solutions/invoicing-and-billing/) ###### Point of Sale - [Roc Services](https://payroc.com/solutions/roc-services/) - [Roc Terminal+](https://payroc.com/solutions/roc-terminal/) - [Terminals](https://payroc.com/solutions/payment-devices/) - [Bodega Ai](https://payroc.com/solutions/bodega-ai/) ###### Developers - [Developer Experience](https://payroc.com/solutions/developer-experience/) - [APIs](https://payroc.com/solutions/apis/) - [Integration Essentials](https://payroc.com/solutions/prebuilt-integrated-payment-solution-for-saas/) - [Payments](https://payroc.com/solutions/payments-api/) - [Boarding](https://payroc.com/solutions/boarding-api/) - [Funding](https://payroc.com/solutions/funding/) - [Reporting](https://payroc.com/solutions/reporting/) ##### Who We Serve - [ISVs/SaaS Providers](https://payroc.com/industries/saas-vendors/) - [Payments-as-a-Service (PaaS)](https://payroc.com/industries/payroc-path/) - [Unattended](https://payroc.com/industries/unattended/) - [Sales Partners](https://payroc.com/industries/sales-partners-agent/) - [Referral Partners](https://payroc.com/industries/referral-partners/) - [Merchants](https://payroc.com/industries/merchants/) - [Financial Institutions](https://payroc.com/industries/financial-institutions/) ##### Resources - [Support Hub](https://support.payroc.com/) - [Blog](https://blog.payroc.com/?hsLang=en) - [Awards and Press](https://payroc.com/about/awards-and-press/) - [Case Studies](https://payroc.com/case-studies/) - [Product Updates](https://payroc.com/product-updates/) - [Feature Log](https://payroc.com/feature-log/) - [Events](https://payroc.com/events/) - [Careers](https://payroc.com/about/careers/) ##### About - [Company History](https://payroc.com/about/company-history/) - [Our Community](https://payroc.com/about/our-community/) - [Our Team](https://payroc.com/about/our-team/) - [Diversity and Inclusion](https://payroc.com/about/diversity-and-inclusion/) --- **System status** All systems operational Payroc WorldAccess, LLC or its subsidiaries (“Payroc”) is a registered Independent Sales Organization (ISO) of Fifth Third Bank, N.A., Cincinnati, OH, Peoples Trust Company, Vancouver, BC, Canada, PNC Bank, N.A., Pittsburgh, PA, Wells Fargo Bank, N.A., Concord, CA, Wells Fargo Bank, N.A., Canadian Branch, Toronto, ON, Canada, Citizens Bank, N.A., Providence, RI, Merrick Bank Corporation, South Jordan, UT, Woodforest National Bank, The Woodlands, TX and KeyBank, N.A., Cleveland, OH. Payroc is a registered Encryption Support Organization (ESO), Payment Facilitator (PF), Third-Party Servicer (TPS), Merchant Service Provider (MSP), and a Third-Party Agent (TPA) of Fifth Third Bank, N.A., Cincinnati, OH. - [Follow us on LinkedIn](https://www.linkedin.com/company/payroc) - [Follow us on Instagram](https://www.instagram.com/payroc) - [Follow us on Facebook](https://www.facebook.com/payroc/) - [Follow us on Twitter](https://twitter.com/_Payroc) [![Payroc BBB Business Review](https://payroc.com/wp-content/uploads/2026/05/bbb-accredited-business.png)](https://www.bbb.org/us/il/tinley-park/profile/payment-processing-services/payroc-0654-90002110/#sealclick) Copyright © 2026 Payroc WorldAccess, LLC - [Legal](https://payroc.com/legal/) - [Accessibility Statement](https://payroc.com/accessibility-statement/) - [Reviews](https://payroc.com/reviews/)