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. Click any item to jump to its details below.
Programs & Giving
Pricing Programs Cut processing costs Roc Giving Accept donations, run campaigns Payroc Mobile Hardware-free paymentsBook, bill, and get paid — all in one platform
Handle scheduling, invoicing, and payments in one connected system, freeing your team to focus on customers. Roc Services is built for service businesses that book, bill, and work on the go — from HVAC and landscaping to cleaning, personal care, and contractors. Manage every job with clarity from office to field using the desktop dashboard and mobile app.
Drive faster checkout and optimize efficiency
Payroc's proprietary payment platform runs on next-generation Newland Android devices (N950, N950-S, X800), with an online portal and mobile app to match. Speed up checkout with an intuitive interface, accept payments in person or online within one system, and manage core business functions — from inventory to tips to split bills — all within a handheld device.
The last payments integration you'll ever need
Payroc's proprietary, API-driven, end-to-end processing platform — purpose-built and supported in-house for scale and flexibility. The gateway supports omnichannel payment acceptance (unattended, in-person, mobile, and e-commerce) across the U.S., Canada, and Europe with Level 1 PCI DSS certification, the highest compliance standard in the industry.
Cloud-based payment gateway
A simplified cloud gateway that takes a straightforward approach to payment processing. FluidPay offers a virtual terminal, e-invoicing, recurring billing, hosted payment pages, and a flexible API — all compatible with every Payroc pricing program. Ideal for businesses that want powerful gateway features without complexity.
Accept payments at your desktop
Accept card and ACH payments with just a computer — no extra hardware required. The Payroc Virtual Terminal works from any internet browser and doubles as a backup processing option if your main system goes down. Includes recurring billing, multicurrency support, and customer insights for analyzing transaction trends.
Enable seamless account-to-account payments
Give your customers another way to pay with hassle-free bank-to-bank transfers. ACH payments typically carry lower transaction fees than credit or debit cards, reduce fraud risk by eliminating paper checks, and offer faster settlement. ISVs can leverage a single API to integrate both card and bank payments into their software.
Integrate payments in days, not weeks
Add POS devices to your software application with just a few lines of code. Payroc Cloud connects 30+ precertified devices through a plug-and-play integration, handling both in-store and online payments through a single, unified interface. New devices integrate automatically with zero additional development work. A browser-based Cloud Simulator lets you build, test, and validate your integration without hardware or test cards.
Selling as simple as sharing a link
Create a link, share it, get paid. Generate one-time or reusable payment links within seconds and distribute them via email, text, or your website. Customers are directed to a customizable hosted payments page that you can brand to your business — no website required. Ideal for collecting bill payments, donations, or any scenario where customers choose their own payment amount.
Automated accounts receivable
A cloud-based solution that automates invoicing, payment collection, and reconciliation. Biller Genie works inside your current workflow — syncing bidirectionally with QuickBooks and other accounting platforms so you get paid faster without changing your existing 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. Card data is encrypted by Apple's built-in security and never stored on the device.
Online donation platform for nonprofits
An easy-to-use online giving platform for nonprofits, churches, and charities. Create branded fundraising campaigns, manage donors, and accept donations — all in one place, powered by Payroc's payment processing. Let donors cover platform costs with a built-in fee offset option.
Fraud prevention for online payments
Available through the Payroc Gateway, 3D Secure enhances fraud protection by verifying each transaction in real time with a one-time code. It minimizes chargebacks and delivers added security for e-commerce and card-not-present transactions — especially valuable for clients with high transaction volumes.
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 | ✓ | ✓ | ✓ | ✓ | ✓ |
| Payment links | ✓ | ✓ | ✓ | — | — |
| Estimates | ✓ | — | — | — | — |
| Scheduling | ✓ | — | — | — | — |
| Deposits | ✓ | — | — | — | — |
| Recurring billing | ✓ | — | ✓ | ✓ | ✓ |
| ACH payments | ✓ | ✓ | ✓ | ✓ | ✓ |
| EBT acceptance | — | ✓ | ✓ | — | — |
| E-commerce plugins | — | — | ✓ | ✓ | — |
| Level II/III processing | — | ✓ | ✓ | ✓ | — |
| Tokenization / card vault | — | — | ✓ | ✓ | — |
| Card Account Updater | — | — | ✓ | — | — |
| Multinational / multicurrency | — | — | ✓ | — | — |
| QuickBooks sync | 1-way | 1-way | — | — | 2-way |
| Customer portal | — | — | — | — | ✓ |
| Mobile app | ✓ | ✓ | — | — | — |
| RewardPay / ConsumerChoice | ✓ | ✓ | ✓ | ✓ | ✓ |
Payroc's API Suite provides feature-rich, RESTful APIs covering the full payment lifecycle — from merchant onboarding through transaction processing, fund settlement, and reporting. Built for ISVs and SaaS platforms that want to embed payments directly into their software with dedicated solutions engineering support, thorough documentation, a self-service sandbox, and AGILE versioning for ongoing improvements.
Accept and process transactions across every channel
Integrate Payroc's processing platform into your software with a single REST API. Full support for card and ACH transactions across e-commerce, card-not-present, in-person, and unattended environments — with built-in multicurrency support and plug-and-play access to 30+ precertified payment devices.
Streamlined merchant onboarding in 4 steps
Let merchants apply for a processing account directly within your software — no redirects, no paper forms. Payroc's Boarding API handles due diligence, risk assessment, and underwriting behind the scenes, enabling merchants to go live and start processing in record time. Reduces onboarding errors through automated data transfer and validation.
Control, automate, and monitor disbursements
A flexible interface for managing how and where merchant funds are deposited. Support split funding across multiple parties, automate SaaS fee deductions, consolidate billing, and track every dollar from swipe to settlement in real time. Merchants typically access funds within 24 hours of settlement.
Real-time payment data and business insights
Pull detailed reporting directly into your software application through the API — from batch summaries to individual transaction-level detail. Payroc Insights provides portfolio-level visibility for partners, white-label capabilities, and merchant-facing analytics for revenue tracking, fee breakdowns, chargeback analysis, and customer behavior insights.
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.