Win $2500 in Grants For Your Business
Enter by August 1st 2015!

Review of LawPay Merchant Services

6200 Bridge Point Pkwy, Suite 250, Austin, TX 78730

DISCLOSURE: Ads, Affiliates and Conflicts Merchant Negotiators accepts advertising via the Google Adsense platform, directly from advertisers, and has common parent ownership interests with other payments related companies leading to potential conflicts of interest. Read our Affiliate / Conflicts / Advertising Disclosure for a more detailed disclosure.


LawPay, an AffiniPay LLC product, provides attorneys with a highly-endorsed service for accepting credit card payments. This product provides attorneys with a way to separate account and trust fees, a feature that can bypass many ethical issues about credit card acceptance.

More and more U.S. lawyers are accepting credit card payments for services rendered and for retainers. It makes sense to use credit cards, because that use could improve cash flow, attract more clients, and reduce collections. However, unlike retail, credit card payments to lawyers can be fraught with thorny ethical issues. That's why LawPay may be one of the easiest solutions for most attorneys.

LawPay understands the difference between trust and operating accounts. If you, as a lawyer, take a credit card for a retainer, you can direct the fees to your trust account. If you accept a credit card for services already rendered, you can direct those funds into your operating account. With this option, you can keep funds straight and remove many of the ethical barriers to accepting credit cards. More importantly, LawPay contractually protects your client funds by restricting the ability of any third-party from debiting monies from a Trust or IOLTA account.

Currently, LawPay enjoys endorsements from the American Bar Association as well as from a large number of state bars, because the company understands the legal issues that attorneys face in accepting credit cards. We're behind this endorsement, as this processor seems to be one of the easiest, least expensive, and lawyer-friendly product we've found to date.

Detailed Review

Below is a detailed review of LawPay Merchant Services offering. The review is broken down into the following categories.


Depending upon the type of business you own, some of the following features may or may not be important to you. To learn more about any given feature, just click on it.

LawPay provides several features that are important to lawyers within the United States. Some of the options below may not pertain to many law firms.

Software Compatibility:
Intuit Quickbooks Yes
Sage 50 No
Microsoft Dynamics GP No
Hardware Compatibility:
Windows / Blackberry No
iPhone / iPad Yes
Android Yes
Alternative Transaction Types:
Phone Orders Yes
Internet Orders Yes
Wireless Orders Yes
Mobile Orders Yes
Snail Mail Orders Yes
American Express (AMEX) Yes
Add Tips to Bills No
eCommerce / Shopping Cart Yes
International Sales No
Recurring Payments Yes
EMV Chip Cards Yes
Contactless Cards Yes
Loyalty / Gift Cards No
eChecks / Electronic Checks Yes
Welfare Benefits (EBT/SNAP/TANF) No
Security / Fraud Prevention:
AVS Fraud Protection No
PCI DSS Secure Transactions Yes
Industry Specific:
HIPAA Compliance (Healthcare) No
Trust Account Debiting (Legal) Yes
Fleet Cards (Petroleum) No
Online Menu Orders (Restaurants) No
Countries Served:
U.S. Yes
Other Countries No
International No

Law firms also can apply a link on a company website that provides clients with a way to pay at their convenience.

Back to top

For More Information About This Processor or To Sign Up


Almost every merchant account services company uses either Interchange Plus or Tiered Pricing (to learn the differences read here). Where companies allow us to disclose pricing information, we show the deals that our secret shoppers were able to achieve. When companies offer both Interchange Plus and Tiered Pricing, we try to get a quote on both options.

Our Experience: The reason we couldn't find LawPay's payment fees online immediately was because we needed to click on "Open an account." Once we committed to clicking on that button, the world of fees opened up to us. LawPay offers three tiers with different features:

Trust Plan (for firms that accept advanced payments or retainers and use both trust and operating accounts):

  • 1.95% + $.20 per transaction on all major credit cards
  • 2.95% + $.20 per transaction on specialty cards (such as Reward Cards)
  • 2.89% + $.20 per transaction for American Express
  • $20.00 monthly payment

Standard Plan (for firms that only need to deposit into one account, either a trust or operating account):

  • 1.95% + $.20 per transaction on all major credit cards
  • 2.95% + $.20 per transaction on specialty cards (such as Reward Cards)
  • 2.89% + $.20 per transaction for American Express
  • $15.00 monthly payment

Intro Plan (for firms that process less than $2,500 per month and deposit only into an operating account):

  • 3.5% per transaction on all major credit cards
  • 3.5% per transaction on specialty cards (such as Reward Cards)
  • 2.89 per transaction for American Express
  • $5.00 monthly payment

We found few complaints online about LawPay, but we did find a few objections to the monthly payments, mostly from small attorney firms or independent attorneys. We feel that LawPay is right in line to serve attorneys with their special financial ethics. I'm thinking that some retailers with online storefronts wouldn't mind these fees at all when combined with features shown in the fine print below...

Back to top

For More Information About This Processor or To Sign Up

Contract Fine Print

We couldn't find a Terms of Service (TOS) document for LawPay, which we found ironic considering they're catering to lawyers. But, we got our questions answered with that phone call to sales.

Fine Print Fees:
Termination Fee None
Setup / Application Fee None
PCI Compliance Fee None
PCI Inaction Fee None
Gateway Fee None
1099-K Fee None
Statement Fee None
Online Reporting Fee None
Monthly Minimum Volume Fee None
Accept International Pymt Fee None
Voice Authorization Fee None
Monthly Min. Process Fee None
Daily Batch Fee None
ACH / Direct Deposit Fee None
ACH Charge Fee None
ACH Return Fee None
FANF Fee None
Chargeback Fees $25
Free Setup
No Annual Fees
Free Consultation
Free Support via Phone, Email, & Chat

Our Take: If we were attorneys, we'd probably jump on this product and service for our credit card processing needs. When these figures are combined with the contract information shown below, the lack of complaints about this company, and the high endorsements coming from bar associations, we're just about sold. We just need a pen...and a law degree.

One note about the support service - we couldn't find any notes that offered 24/7 service, so be aware that this might be an issue for you...or not.

Back to top

For More Information About This Processor or To Sign Up


Run Payments Without Traditional Equipment

While your transactions usually take place electronically, the actual device that you use to swipe a customer's card is referred to as "the equipment." This equipment includes hardware and, often, software or apps for that hardware to function properly.

LawPay is about one of the easiest payment processors we've encountered. No equipment required except a computer, tablet, or mobile phone and an Internet connection. No swipe required, and transactions can be completed by the attorney's office or by the client via invoicing:


Legacy Terminal: If you'd prefer to own a traditional credit card machine, LawPay offers this terminal. Options include a Nurit 2085 and a Hypercom 4205.


Various Software Management Systems: LawPay lawyers can click on an invoice payment or IOLTA payment option to generate payments, offer refunds, make recurring payments, and receive reports. This software includes invoices, payment approval with client signature, and a dashboard that provides a comprehensive view of all transactions. You also have the option of tagging transactions to create customized reports.

Back to top

For More Information About This Processor or To Sign Up

Countries Served

LawPay can handle payments from and for merchants within the United States.

Back to top

Contract Length / Termination

I generally don't like long-term contracts or termination fees in merchant services agreements, because the ability to cancel keeps the credit card processor on its best behavior, including the willingness to make you happy if there's a dispute. Plus, this ability to cancel gives you the ability to move on if you find a better deal.

LawPay is a month-to-month service that you can terminate at any time with no penalty or charge. We're fairly certain that if you have outstanding payments or other processes that you would need to clear those transactions before you shut down your LawPay account.

Back to top

About the Company

The merchant account services industry is multi-layered. Understanding how those layers fit together can be confusing (Read More in this Article). A good thing to know, however, is whether or not your company is a direct processor (good if yes) or, if not, then to know who they process with and whether or not that processor is reliable. The second thing to know is whether or not the service or sales staffs are in-house or outsourced. In-house staffs are preferable for you, as these staff members may have more access to sources that can resolve your issues.

Processor: Don't worry about paying middle-man fees here. LawPay is an AffiniPay LLC product, which means that you - as an attorney - really are doing business with AffiniPay. But, AffiniPay doesn't offer the features that LawPay offers re: the separate bank account feature. AffiniPay is a registered ISO of BMO Harris Bank, N.A., Chicago.

Account Sales: LawPay is a product that is geared toward attorneys only, so their marketing is focused. To have the American Bar Association endorsement is probably the best sales pitch ever for LawPay. When we opened the LawPay site, a popup box greeted us to offer help via chat, so we asked for help. A sales agent greeted us immediately. That immediate reaction to our question goes a long way for someone who visits that site - and that "someone" would most likely be a lawyer.

Account Service: LawPay attorneys receive support services from AffiniPay LLC. They offer a 1-800 number specifically for support services. AffiniPay LLC client service and technical support are based in Austin, Texas.

Back to top

For More Information About This Processor or To Sign Up

Customer Service

As part of our review process, we try to test merchant account service companies' claims by placing test calls and working through the customer service process.


2/17/2015; TIME: 1:00 pm EST


Call to Customer Support

Our Experience:

We decided we'd check out the chat option. As soon as we clicked on the chat button, an agent named Dan responded immediately. Since I'm not an attorney I was upfront about writing a review about their services. Dan was very helpful, offering his phone number for a call.


2/10/2015; TIME: 1:15 pm EST


Call to Customer Support

Our Experience:

We didn't call Dan's number, but instead called support. Troy answered, and assured us that all support was in house. What he meant was all support was in house at AffiniPay LLC, since LawPay is an AffiniPay product.


2/10/2015; TIME: 1:35 pm EST


Call to Customer Support

Our Experience:

This time we called the sales number and asked for Dan. Dan was on another line, so we talked with Lloyd. Lloyd was friendly, even though I told him I wasn't an attorney. He was upfront about fees and told me to call back anytime to ask any other questions.

Our Take:

We'e not LawPay clients, so we don't know the troubles we might encounter from support or sales down the road. We're very comfortable, however, with the calls we made and the chat we had with Dan. As Lloyd mentioned in our call to sales, they had to stay on their toes because they are dealing with lawyers who have certain ethical issues. If LawPay fails the lawyer, LawPay has a lot to account for.

Back to top

Common Customer Complaints / Our Verdicts

We scoured the web to find past and current customer complaints about this processor. Then, we investigated those complaints that seemed legit, and provide our verdict on how well the processor handled the issues. Interestingly, we learned that LawPay has very few complaints and a ton of endorsements.

High Monthly Fees:
Customer Complaint:

This was the most horrible complaint we could find after digging for hours.

Our Verdict:

If you'd rather pay all the other fine print fees, go for it. Choose a bank or a major processor with all the bells and whistles. No? Then stick with cash.


Great Customer Support:
Customer Compliment:

We found this endorsement on the site from a bar association member as well as in other online reviews and comments.

Our Verdict:

As I mention previously, we're not sure the support is 24/7, but we don't know that attorneys need 24/7 support.

Easy to Use:
Customer Compliment:

This compliment also was very common.

Our Verdict:

Considering that a lawyer doesn't need a terminal and can work virtually to accept payments on what appears to be an easy-to-use system, we're in agreement.

Understands the Legal Ethics Involved:
Customer Compliment:

Endorsements from the American Bar Association and other attorneys provide this compliment.

Our Verdict:

We hope LawPay never screws up.

Back to top

For More Information About This Processor or To Sign Up

Who Should / Shouldn't Use this Processor


  • Large Law Firms: This service works smoothly for multiple transactions, billing, and other services any large law firm might need. The additional service of dual account deposits is ideal for avoiding ethics charges.
  • Medium-Size Law Firms: Ditto for the firms that only contain a handful or less of attorneys on board. This service could help with collections, too, freeing up your staff for more important items on your agenda.


  • Small Law Firms: If you're too worried about that monthly fee, then we suggest you continue to take cash. You're passing up a great opportunity to grow by taking credit cards for retainers and payments, but that growth might not be a goal for you.
  • High Chargeback Business: Lawyers must be careful to structure their credit card payment arrangements to ensure compliance with their ethical obligation to safeguard and segregate client funds. This obligation includes taking care to understand the terms of the merchant agreement as it relates to the issue of chargebacks. High volumes of chargebacks can be very problematic for attorneys. LawPay addresses this issue on their site.

Back to top

For More Information About This Processor or To Sign Up
LawPay Merchant Services
Customer Service
Customer Reviews
1.95% - 3.5%
  • IOLTA/Trust Accounts
  • State Bar Compliant
  • Easy Setup
Monthly Fees Breakdown
Setup Fee$0.00
Monthly Fee$20.00
PCI Compliance Fee$0.00
Online Reporting Fee$0.00
Batch Fee$0.00
Gateway Fee$0.00
Chargeback Fee$25.00
Termination Fee$0.00
Contract LengthMonth-to-Month
Sign Up Now


DISCLOSURE: Advertising, Affiliate and Conflicts of Interest: Merchant Negotiators accepts advertising via the Google Adsense platform, directly from advertisers, and has common parent ownership interests with other payments related companies leading to conflicts of interest. Read our Affiliate / Conflicts / Advertising Disclosure for a more detailed disclosure.

About the Reviews: These reviews, and for that matter any reviews, are inherently subjective, and should be regarded as our opinion, not as a statement of fact. Selecting a merchant services provider is an important decision, and we urge you to use no single source of information as the basis of that decision.

About the Pricing: This pricing is an estimate based on limited available information. In some cases, the Processors' pricing information was provided directly by the company, in others, we obtained it from public information, through calls to the company, or through past or current clients of the company. Where, despite these efforts, we were unable to obtain any information about certain fees, we used estimates based on similar providers in the industry. While we're working, in some cases, with the company directly to get more accurate pricing, even in those circumstances, we can't guarantee the pricing's accuracy. Complicating all of this, is that for some companies individual salespeople are given authority to modify terms on a deal by deal basis. In any case, if you know of an error, please let us know and we'll fix it.

About the Calculations: With respect to your estimated savings, this is based on a lot of factors and some hard math. The reason we do it, along with the "Actual Gross Rate" calculation is that every Processor prices their product differently (e.g. interchange v. 3 tier v. 4 tier v. flat v. membership, etc.) and some make it intentionally complicated or opaque. Trying to convert their pricing structure to a consistent "Overall Cost of Processing" is the only way you, the merchant, can do an apples to apples pricing comparison and know whether an offer is actually a good deal. Our system isn't perfect but we're trying.

Conclusion: In sum, these rankings, ratings, and scores are inherently subjective, and should be regarded as our opinion and not as a legal statement of fact. Moreover, use these prices and estimates at your own risk, and make sure to verify the pricing you see here in any formal contract you receive. Finally, if you do find something wrong in our pricing, terms, etc., tell us and we'll try to fix it. is now offline.

Thank you to all of our site visitors for a great three years!

Much of our team has transitioned to join Soar Payments, a merchant account provider. If you need a mid or high risk merchant account consider, Soar Payments.

Soar Payments is the #1 industry leader for mid and high risk credit card processing, as reflected by their many satisfied customer reviews. Click here to read real life customer reviews for Soar Payments.

How to apply in 3 easy steps


Apply Online Via The Secure Online Application

Complete the online application process (it takes 5 minutes). Click here to begin.


Get An Instant Quote From The SoarPay Team

You'll instantly receive a quote with Industry Minimum Pricing to DocuSign.


Start Accepting Payments With Your New Merchant Account

Soar Payment's Houston, Texas based Customer Support Team will help you get set up. The setup process is fast and easy.