--- title: Trends Report for Financial Institutions | Payroc description: A true merchant-services partner drives growth with in-person support, stronger merchant relationships, and measurable conversion results. --- # See the future of merchant services Over the next 3 to 5 years, embedded finance, real-time payments, fintech competition, AI, data intelligence, and other trends will fundamentally reshape how banks and credit unions provide merchant services. Find out how. **GET THE TRENDS REPORT** ![merchant services trends report cover](https://partners.payroc.com/hubfs/merchant-services-trends-report-cover.png) What's Inside ## The Future of Merchant Services in Financial Institutions: Trends Shaping the Next 3-5 Years Merchant services is changing quickly, and the stakes are clear. Financial institutions that modernize their merchant-services strategy now will gain deposits, data, and commercial relationships. Those that don’t level up their offerings risk being cut out of commercial banking altogether. This 15-page, skimmable trends report delivers fast facts and actionable insights. - Find out the most valuable output of a payments program (it’s not what you think it is). - Discover each trend’s implications for financial institutions. - Understand how to own the business customer relationship. - Learn the key steps to take today to prepare for a successful future. **[Download the trends report today](https://partners.payroc.com/future-of-merchant-services#get-started).** ## Ready to learn more? [Schedule a complimentary consultation](https://share.hsforms.com/1xgFIfBW2Q4ut_7U0ykfPJw1bz1n) ## About Payroc 789M+ Annual Transactions $125B Annual Volume 190k+ Clients 1,340 Global Operations Team ##### 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/)