Why underwriters look closely at utility payments
High volume
Lots of payments at once around due dates.
Fee rules
How you charge convenience or service fees on bill payments is governed by card-brand programs and state rules.
Returns
ACH bill payments bring returns that need monitoring.
A payment setup that fits
How we usually set up utilities and billers. Your consultant tailors it to how you actually sell.
- 1
Utility programs
Card-brand programs for utilities can lower costs and set how fees work.
- 2
Autopay
Card and ACH autopay with reminders.
- 3
Every channel on one platform
Portal, phone and in-person payments together.
What you’ll need to apply
Have these ready and your application moves faster. Your consultant confirms the exact list for the processor you’re matched with.
- Government ID for every owner with 25% or more
- Voided business check or bank letter
- Recent business bank statements
- Recent processing statements, if available
- Business registration and EIN letter
- Utility or service authority details
- Fee schedule
- Payment portal screenshots
Why applications get declined, and how to avoid it
- Convenience fees set up against card-brand rules
- High ACH return rates
We review your website, policies and statements against these before anything is submitted.
Keeping the account healthy after approval
Getting approved is half the job. These habits keep your account in good standing, and our platform tracks the numbers behind them for you.
- Show any fee before payment
- Send a reminder before autopay runs
- Track returns by reason code
Utility payments: common questions
Can we charge a convenience fee?
Possibly, depending on card-brand programs and your state. We’ll set it up within the rules.
Can customers pay by bank account?
Yes. ACH is the lowest-cost option for most bill payments.
Why are utilities medium risk?
Volume and returns more than fraud. The right setup keeps them predictable.
What happens after I’m approved?
We stay on the account with you, watching fees, approvals and chargebacks, and tell you when there is money to save.