For many businesses, handling payments is more complex than dipping a card. It often involves juggling multiple vendors—one for terminals, another for processing, yet another for gateways. This fragmented approach isn't just inconvenient; it's inefficient and costly.
For the merchant, navigating a maze of disconnected systems can lead to higher expenses, poor customer experiences, and operational headaches. Payroc is here to change that. With our all-in-one payment solutions, ISOs and agents can offer merchants a streamlined, unified platform that simplifies transactions and enhances business performance.
Navigating between various solutions from various providers is cumbersome, to say the least. It dramatically hinders efficiency, which often has tangible consequences in the form of higher costs, worsened customer experiences, and less business.
This is a pain point Payroc is working to address. Our comprehensive suite of products empowers ISOs and agents to provide their customers a singular, unified payments solution that makes doing business easier and just plain better.
Here’s how.
Payroc offers its own payment terminals, something that was practically unheard of until very recently. It’s a development that merchants have loved because of the smoothness and efficiency it adds to the entire payment process. It’s also made things better for ISOs.
“Independent sales organizations and agents are used to having to sell multiple solutions from multiple vendors,” said Casey Thompson, Director of Sales Solutions at Payroc. “And something that turns a lot of their potential customers away is vendor fatigue. But when a merchant can get terminals along with various other payments solutions all from Payroc, it helps to generate and close new deals.”
Roc Terminal+ is a new offering from Payroc that allows for faster and more-efficient checkout via handheld device. It accepts payments in-person or online, all within one system, and cuts payment processing costs with compliant surcharge or dual pricing.
There’s also Payroc’s Virtual Terminal, which makes payments possible through simple internet access. Virtual Terminal makes it easy for merchants to accept card and ACH payments without an actual terminal. It’s PCI DSS compliant and comes with real-time access to reporting and business insights. Many ISOs have found Virtual Terminal to be popular among their customers as a back-up alternative in case of primary payments systems being unavailable.
Payroc also offers a great deal of efficiency and convenience with its own in-house card and ACH processing. It’s another layer to Payroc’s all-in-one utility to businesses, which makes the company’s solutions favorites among ISOs.
“When a merchant needs to take checks in an invoicing system, we don’t have to go to a third-party relationship for that,” Thompson said. “The nice thing about that is merchants get one statement at the end of the month for all their transaction types.”
Payroc also offers its own settlement platform, further strengthening its all-in-one appeal as a payments partner. And with so many things under the same umbrella, that means merchants can go to the same place for product support, giving them familiarity and added comfort.
Payroc operates its own payment gateway, too, which adds to its one-stop-shop nature. Altogether, that extensive suite of offerings provides merchants with added security. The holistic value of Payroc’s solutions make them attractive to ISOs, which can provide their customers with a simpler and streamlined payments processing experience.
Instead of focusing on sales goals and up-sells, Payroc takes a solution-centric approach to business. That means things are tailored to the specific needs of your ISO’s customers as opposed to driving adoption of more premium products and services.
Payroc’s pricing tiers were developed with that in mind.
This pricing level offers businesses a predictable fee structure for every transaction, regardless of the environment.
A simple and standard way to accept payments, IC+ is compatible with almost any product. The interchange rate at this pricing tier is made specific to a business’ needs and its payment environment.
This pricing model, which is completely unique to Payroc, allows businesses to choose how much of a surcharge is passed on to customers. For example, a merchant may not want customers to foot the entirety of a 3% surcharge, so with RewardPay Choice they can split it, absorbing 2% themselves and assigning 1% to customers.
“RewardPay Choice is a way for merchants to save a lot of money,” Thompson said, ”deferring the cost of ever-increasing credit card acceptance.”
Merchants using RewardPay Choice save over 70% on average. The surcharge rate is not greater than 3% and cannot be split on debit or prepaid transactions.
Payroc’s offerings are what merchants crave: a simple one-stop-shop with choice and security. We work with ISOs and agents to craft custom solutions for their customers, delivering the seamless and efficient experiences that they’re demanding
Ready to start addressing your customers’ unique needs, all the while improving their efficiency and their experiences? Contact Payroc today to get started!