---
title: The Payroc Blog | Payments Industry News & Insights | Bob Balogh
description: View all blog posts by Bob Balogh
---

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# The Payroc Blog

All blog posts by Bob Balogh.

 Filter selection

---

## [![The Banker Participation Problem: Why Good Merchant-Services Programs Go Unused](https://blog.payroc.com/hubfs/financial-advisor-meeting.jpg) Sep 23, 2026 The Banker Participation Problem: Why Good Merchant-Services Programs Go Unused](https://blog.payroc.com/banker-participation-why-merchant-services-programs-go-unused)

- [Referral Partner](https://blog.payroc.com/tag/referral-partner)
- [Education](https://blog.payroc.com/tag/education)

- [Financial Institution](https://blog.payroc.com/tag/financial-institution)

\+ 1

## [![The Economics May Look Better, But Is It Really Worth Bringing Merchant Services In-House at Your Financial Institution?](https://blog.payroc.com/hubfs/business-meeting-at-bank.jpg) Sep 14, 2026 The Economics May Look Better, But Is It Really Worth Bringing Merchant Services In-House at Your Financial Institution?](https://blog.payroc.com/should-your-financial-institution-bring-merchant-services-in-house)

- [Education](https://blog.payroc.com/tag/education)
- [Financial Institution](https://blog.payroc.com/tag/financial-institution)

## [![How Do You Know If Your Merchant-Services Program Is Performing?](https://blog.payroc.com/hubfs/merchant-services-payment-processing-1.jpg) Aug 20, 2026 How Do You Know If Your Merchant-Services Program Is Performing?](https://blog.payroc.com/how-do-you-know-if-your-merchant-services-program-is-performing)

- [Financial Institution](https://blog.payroc.com/tag/financial-institution)

## [![How a Strong Merchant-Services Program Reduces Your Clients' Fraud Exposure](https://blog.payroc.com/hubfs/credit-card-fraud-protection.jpg) Aug 5, 2026 How a Strong Merchant-Services Program Reduces Your Clients' Fraud Exposure](https://blog.payroc.com/how-merchant-services-reduce-fraud-exposure-for-business-clients)

- [Education](https://blog.payroc.com/tag/education)
- [Financial Institution](https://blog.payroc.com/tag/financial-institution)

## [![5 Questions for Financial Institutions to Ask Before Choosing a Merchant-Services Partner](https://blog.payroc.com/hubfs/merchant-services-for-small-business.jpg) Jul 22, 2026 5 Questions for Financial Institutions to Ask Before Choosing a Merchant-Services Partner](https://blog.payroc.com/5-questions-financial-institutions-should-ask-merchant-partners)

- [Education](https://blog.payroc.com/tag/education)
- [Financial Institution](https://blog.payroc.com/tag/financial-institution)

## [![For Financial Institutions, Every Merchant-Services Conversation Is a Relationship Opportunity](https://blog.payroc.com/hubfs/merchant-services-review.jpg) Jul 2, 2026 For Financial Institutions, Every Merchant-Services Conversation Is a Relationship Opportunity](https://blog.payroc.com/merchant-services-a-competitive-edge-for-financial-institutions)

- [Education](https://blog.payroc.com/tag/education)
- [Financial Institution](https://blog.payroc.com/tag/financial-institution)

## [![What ](https://blog.payroc.com/hubfs/merchant-services-true-partnership.jpg) Jun 15, 2026 What "True Partnership" Means in Merchant Services (Why Many Financial Institutions Settle for Less)](https://blog.payroc.com/what-true-partnership-means-in-merchant-services)

- [Education](https://blog.payroc.com/tag/education)
- [Thought Leadership](https://blog.payroc.com/tag/thought-leadership)

- [Financial Institution](https://blog.payroc.com/tag/financial-institution)

\+ 1

## [![Why Businesses That Process Payments Through Your Financial Institution Stay Longer](https://blog.payroc.com/hubfs/merchant-services-payment-processing.jpg) Jun 3, 2026 Why Businesses That Process Payments Through Your Financial Institution Stay Longer](https://blog.payroc.com/why-merchant-services-are-the-key-to-business-client-retention)

- [Education](https://blog.payroc.com/tag/education)
- [Thought Leadership](https://blog.payroc.com/tag/thought-leadership)

- [Financial Institution](https://blog.payroc.com/tag/financial-institution)

\+ 1

## [![Modern Merchant Services for Banks and Credit Unions: The New Land of Opportunity](https://blog.payroc.com/hubfs/merchant-services-qr-payment.jpg) May 19, 2026 Modern Merchant Services for Banks and Credit Unions: The New Land of Opportunity](https://blog.payroc.com/merchant-services-opportunities-for-banks-and-credit-unions)

- [Referral Partner](https://blog.payroc.com/tag/referral-partner)
- [Education](https://blog.payroc.com/tag/education)

- [Thought Leadership](https://blog.payroc.com/tag/thought-leadership)
- [Financial Institution](https://blog.payroc.com/tag/financial-institution)

\+ 2

## [![Why Merchant-Services Programs Often Fail to Drive Commercial Growth for Financial Institutions](https://blog.payroc.com/hubfs/AdobeStock_1634427354-1068x801-ccf3e7f.png) Apr 29, 2026 Why Merchant-Services Programs Often Fail to Drive Commercial Growth for Financial Institutions](https://blog.payroc.com/why-merchant-services-programs-often-fail-to-drive-commercial-growth-for-financial-institutions)

- [Referral Partner](https://blog.payroc.com/tag/referral-partner)
- [Thought Leadership](https://blog.payroc.com/tag/thought-leadership)

- [Financial Institution](https://blog.payroc.com/tag/financial-institution)

\+ 1

## [![Modernizing Your Merchant-Services Program: How to Make the Right Next Move](https://blog.payroc.com/hubfs/AdobeStock_618080590-1068x801-d3a3ec7(1).png) Apr 8, 2026 Modernizing Your Merchant-Services Program: How to Make the Right Next Move](https://blog.payroc.com/modernizing-your-merchant-services-program-how-to-make-the-right-next-move)

- [Referral Partner](https://blog.payroc.com/tag/referral-partner)
- [Thought Leadership](https://blog.payroc.com/tag/thought-leadership)

- [Financial Institution](https://blog.payroc.com/tag/financial-institution)

\+ 1

## [![Merchant Services as Growth Lever: Strengthen Commercial Relationships and Grow Your Portfolio](https://blog.payroc.com/hubfs/Merchant%20Services%20as%20Growth%20Lever%202.png) Apr 7, 2026 Merchant Services as Growth Lever: Strengthen Commercial Relationships and Grow Your Portfolio](https://blog.payroc.com/merchant-services-as-growth-lever-strengthen-commercial-relationships-and-grow-your-portfolio)

- [Referral Partner](https://blog.payroc.com/tag/referral-partner)
- [Thought Leadership](https://blog.payroc.com/tag/thought-leadership)

- [Financial Institution](https://blog.payroc.com/tag/financial-institution)

\+ 1

## [![How Financial Institutions Can Identify a Future-Proof Merchant Services Partner](https://blog.payroc.com/hubfs/future-proof-merchant-services.jpg) Mar 26, 2026 How Financial Institutions Can Identify a Future-Proof Merchant Services Partner](https://blog.payroc.com/future-proof-merchant-services-partners-for-banks-credit-unions)

- [Referral Partner](https://blog.payroc.com/tag/referral-partner)
- [Financial Institution](https://blog.payroc.com/tag/financial-institution)

## [![Bringing Cash Flow Up to Speed: Billing and Payment Options for Professional-Service Businesses](https://blog.payroc.com/hubfs/payment-options-for-professional-service-firms.jpg) Feb 2, 2026 Bringing Cash Flow Up to Speed: Billing and Payment Options for Professional-Service Businesses](https://blog.payroc.com/how-professional-service-businesses-can-speed-up-cash-flow)

- [Payments](https://blog.payroc.com/tag/payments)
- [Referral Partner](https://blog.payroc.com/tag/referral-partner)

- [Payments Industry](https://blog.payroc.com/tag/payments-industry)
- [Thought Leadership](https://blog.payroc.com/tag/thought-leadership)
- [Financial Institution](https://blog.payroc.com/tag/financial-institution)

\+ 3

## [![Innovation in Motion: The Role of Financial Institutions in the Future of Payments](https://blog.payroc.com/hubfs/bank-merchant-services.jpg) Jan 5, 2026 Innovation in Motion: The Role of Financial Institutions in the Future of Payments](https://blog.payroc.com/the-future-of-payments-how-banks-can-lead-the-next-wave-of-innovation)

- [Payments](https://blog.payroc.com/tag/payments)
- [Referral Partner](https://blog.payroc.com/tag/referral-partner)

- [Payments Industry](https://blog.payroc.com/tag/payments-industry)
- [Thought Leadership](https://blog.payroc.com/tag/thought-leadership)
- [Financial Institution](https://blog.payroc.com/tag/financial-institution)

\+ 3

## [![Unlocking Hidden Revenue: How Payments Create Growth Opportunities for Financial Institutions](https://blog.payroc.com/hubfs/payment-terminal-in-use.jpg) Dec 3, 2025 Unlocking Hidden Revenue: How Payments Create Growth Opportunities for Financial Institutions](https://blog.payroc.com/how-payments-unlock-growth-and-new-revenue-for-financial-institutions)

- [Payments](https://blog.payroc.com/tag/payments)
- [Referral Partner](https://blog.payroc.com/tag/referral-partner)

- [Payments Industry](https://blog.payroc.com/tag/payments-industry)
- [Thought Leadership](https://blog.payroc.com/tag/thought-leadership)
- [Financial Institution](https://blog.payroc.com/tag/financial-institution)

\+ 3

## [![Empowering Members Through Smarter Payment Experiences](https://blog.payroc.com/hubfs/smart-payment-terminal.jpg) Nov 5, 2025 Empowering Members Through Smarter Payment Experiences](https://blog.payroc.com/empowering-bankers-with-smarter-payment-experiences)

- [Payments](https://blog.payroc.com/tag/payments)
- [Referral Partner](https://blog.payroc.com/tag/referral-partner)

- [Payments Industry](https://blog.payroc.com/tag/payments-industry)
- [Thought Leadership](https://blog.payroc.com/tag/thought-leadership)
- [Financial Institution](https://blog.payroc.com/tag/financial-institution)

\+ 3

## [![Earning Trust in the Payment Ecosystem: What Financial Institutions Should Look for in a Merchant-Services Provider](https://blog.payroc.com/hubfs/partners-handshake.jpg) Oct 13, 2025 Earning Trust in the Payment Ecosystem: What Financial Institutions Should Look for in a Merchant-Services Provider](https://blog.payroc.com/earning-trust-in-the-payment-ecosystem-what-financial-institutions-should-look-for-in-a-merchant-services-provider)

- [Payments](https://blog.payroc.com/tag/payments)
- [Referral Partner](https://blog.payroc.com/tag/referral-partner)

- [Payments Industry](https://blog.payroc.com/tag/payments-industry)
- [Thought Leadership](https://blog.payroc.com/tag/thought-leadership)
- [Financial Institution](https://blog.payroc.com/tag/financial-institution)

\+ 3

## [![Mobile and Contactless Payment Trends Retailers Love](https://blog.payroc.com/hubfs/mobile-digital-wallet-payment.jpg) Sep 17, 2025 Mobile and Contactless Payment Trends Retailers Love](https://blog.payroc.com/mobile-and-contactless-payment-trends-retailers-love)

- [Retail](https://blog.payroc.com/tag/retail)
- [Referral Partner](https://blog.payroc.com/tag/referral-partner)

- [Payments Industry](https://blog.payroc.com/tag/payments-industry)
- [Thought Leadership](https://blog.payroc.com/tag/thought-leadership)
- [Financial Institution](https://blog.payroc.com/tag/financial-institution)

\+ 3

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

- [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-api/)
- [Reporting](https://payroc.com/solutions/reporting-api/)
- [Developer Docs](https://docs.payroc.com/)

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/)
- [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.

- <https://www.linkedin.com/company/payroc>
- <https://www.instagram.com/payroc>
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