Products & Platforms
Each product below is part of Payroc's platform. They integrate with all three pricing programs (Traditional, RewardPay Choice, and ConsumerChoice), so your cost savings carry across everything you use.
The Payroc Platform
Through Lubao, you get access to Payroc's full stack of payment and business management products. Here's the complete lineup.
Services management & payments platform
An all-in-one platform built for businesses that book, bill, and work on the go. Roc Services combines scheduling, invoicing, estimates, deposits, customer management, and payment processing in one connected system — with both a desktop dashboard and a mobile app.
Payment processing + business management platform
Payroc's proprietary payment platform that runs on next-generation Newland Android devices (N950, N950-S, X800). Roc Terminal+ goes beyond basic card processing — it includes an online merchant portal, virtual terminal, payment links, inventory management, multi-MID support, and Level II/III data processing.
Proprietary omnichannel gateway
Payroc's own payment gateway for processing credit, debit, and ACH transactions online, over the phone, or paired with a terminal for omnicommerce. Includes e-commerce integrations with major shopping cart platforms.
Cloud-based payment gateway
A simplified payment gateway offering a full scope of solutions. FluidPay is compatible with all Payroc pricing programs and supports card-present transactions when paired with Dejavoo or PAX terminals.
Automated accounts receivable
A cloud-based solution that automates invoicing, payment collection, and reconciliation. Biller Genie works inside your current workflow — syncing with QuickBooks and other platforms so you get paid faster without changing your systems.
Tap to Pay on iPhone
Accept secure, contactless payments using only your iPhone — no extra hardware needed. Payroc Mobile turns your phone into a payment terminal, ideal for mobile merchants, pop-up shops, delivery businesses, and as a backup solution.
Online donation platform for nonprofits
An easy-to-use online giving platform for nonprofits, churches, and charities. Roc Giving enables organizations to create branded fundraising campaigns, manage donors, and accept donations — all in one place, powered by Payroc's payment processing.
Fraud prevention for online payments
Available through the Payroc Gateway, 3D Secure (3DS) verifies cardholder identity at checkout for e-commerce and card-not-present transactions. It reduces chargebacks, protects revenue, and increases customer confidence.
Product Comparison
Different businesses need different tools. This comparison shows which products support each capability, so you can match the right platform to your workflow.
| Capability | Roc Services | Roc Terminal+ | Payroc Gateway | FluidPay | Biller Genie |
|---|---|---|---|---|---|
| Email/text invoicing | ✓ | ✓ | ✓ | ✓ | ✓ |
| Estimates | ✓ | — | — | — | — |
| Scheduling | ✓ | — | — | — | — |
| Deposits | ✓ | — | — | — | — |
| Recurring billing | ✓ | — | ✓ | ✓ | ✓ |
| ACH payments | ✓ | ✓ | ✓ | ✓ | ✓ |
| E-commerce plugins | — | — | ✓ | ✓ | — |
| Level II/III processing | — | ✓ | ✓ | ✓ | — |
| QuickBooks sync | 1-way | 1-way | — | — | 2-way |
| Customer portal | — | — | — | — | ✓ |
| Mobile app | ✓ | ✓ | — | — | — |
| RewardPay / ConsumerChoice | ✓ | ✓ | ✓ | ✓ | ✓ |
| Same-day / next-day funding | ✓ | ✓ | ✓ | ✓ | ✓ |
We'll walk through your workflow and recommend the right combination of tools — with no pressure and full transparency. Most merchants use one or two products from this lineup.