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.

A+ BBB Rating

$125B Annual Volume

190K Partners and Merchants

SecurityScorecard Rating

Learn more

What Sets us Apart

Why Payroc

Relationship Management

Payroc does much more than respond upon request. Your dedicated representative drives success through proactive outreach, training, and incentives.

Deposits and Revenue

We deliver what matters—including increased commercial deposits and non-interest income.

Commercial Retention and Acquisition

Stronger merchant services earns you better client retention and increased client acquisition. Grow commercial year-over-year-over-year.

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.

Client Satisfaction

Merchants love Payroc’s cost-saving options, tailored point-of-sale systems, and award-winning support.

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.

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.

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

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 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