AffiniPay Overview

Retail, Internet, and Legal Specialists

AffiniPay (, founded in 2005, is a full-service merchant account provider specializing in retail and internet merchant accounts as well as processing for professional associations and the legal industry (LawPay).

Headquartered in Texas

AffiniPay’s headquarters is located at 3700 N. Capital of Texas Hwy., Suite 420, Austin, Texas 78746, and the company is a registered ISO/MSP of BMO Harris Bank, N.A., Chicago, Illinois, Wells Fargo Bank, N.A., Concord, California, and Citizens Bank, N.A., Providence, Rhode Island. Amy Porter is the founder and CEO of AffiniPay.

AffiniPay Review Table of Contents

  • Sales & Marketing: AffiniPay does not appear to hire independent sales representatives and has not received any merchant complaints about its sales practices.
  • Costs & Contract: AffiniPay appears to offer variable contract terms the depend on each merchant’s business size and type.
  • Complaints & Service: AffiniPay has received fewer than 10 public complaints.
  • BBB Rating: AffiniPay has an “A” with the Better Business Bureau and has received two complaints in the past three years.
  • Rates & Fees: How Merchants Got The Best Rates With AffiniPay

AffiniPay Statement Analyzer

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Products & Services Offered

  • Debit and credit card processing
  • POS equipment
  • Mobile payment acceptance
  • Virtual terminal
  • Compatibility with third-party association management systems (, Avectra, Member Clicks, etc.)

Types of Businesses Served

  • Retail
  • Mobile
  • E-commerce
  • Professional associations
  • Non-profits
  • Legal

AffiniPay Rates, Fees, and Costs

Standard Rates & Fees

Swiped Rate 1.95% + $0.20 or 3.5%
Keyed-in Rate 2.95% + $0.20 or 3.5%
Early Termination Fee None
PCI Compliance Fee None
Equipment Lease Terms Variable

AffiniPay Standard Pricing

There is not a great deal of publicly available information regarding the standard AffiniPay contract. The AffiniPay website advertises that the company has no lengthy contracts, application fees, startup fees, or monthly minimums, which is a very competitive series of offers. We also located a promotional sheet for organizations who sign up for AffiniPay through, an association management system. This sheet quotes a rate of interchange plus 1.39% and $0.25 per transaction with a monthly minimum fee of $15 (waived for merchants who process over $1,000 in a month). These prices are competitive when compared to industry averages and those of the cheapest merchant account providers, but they are only available to AffiniPay merchants who also sign up for

LawPay Pricing Model

A company representative has informed us that AffiniPay conducts most of its business under its LawPay brand, which is a payment processing service specifically targeted at law firms. As a result, most of the company’s merchants will operate under LawPay’s pricing model, which can be seen here.

No Pricing Complaints

The total lack of complaints about AffiniPay’s contract terms seems to indicate that the company sticks to its advertised rates, which makes it a solid option as a credit card processor. AffiniPay specializes in providing payment processing for professional associations and is therefore more likely to be an appropriate option for such an organization. If you have any specific knowledge of AffiniPay’s contract terms (including possible PCI Compliance fees or termination fees), please leave that information in the comment section of this review.

Analyze Your AffiniPay Statement

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Response from AffiniPay

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AffiniPay Complaints & Customer Reviews

Key Points

Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint N/A

Clean Complaint Record

After a thorough search of other consumer protection websites, we were unable to locate any AffiniPay reviews that accuse the company of being a scam or ripoff. In fact, we could not find any non-BBB complaints filed against AffiniPay at all. AffiniPay’s website states that the company employs an in-house customer support team, which is likely a major factor in the company’s excellent complaint rate.

Solid Customer Support Options

The lack of AffiniPay complaints and strong support options in the form of a dedicated customer service line, FAQs on its website, and a clear contact form puts the company on track to qualify as a top-rated processor for customer service. For a company of AffiniPay’s size and time in business to be showing zero complaints is nearly unheard of, and we therefore award AffiniPay an “A” in this category.

Response from AffiniPay

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AffiniPay BBB Rating Summary

Key Points - BBB

Product & Service Complaints 1
Billing & Collection Complaints 0
Advertising & Sales Complaints 1
Guarantee & Warranty Complaints 0
Delivery Complaints 0

LawPay-Specific Complaints

AffiniPay has been an accredited business of the Better Business Bureau since 2010 and currently maintains an “A” grade. The company shows two complaints in the last three years, but these complaints both name AffiniPay’s subsidary, LawPay, as the problem. AffiniPay itself may not create the issues described in these complaints. One of the complaints was filed in relation to a problem with an advertising or sales issue, while the other was regarding an issue with product or services. Both were either resolved to the dissatisfaction of the merchant or did not receive a final evaluation from the merchant.

What Merchants Say

A Complaint from early 2018 mentions a PCI non-compliance fee charged by LawPay:

The business (complainant) believed it was participating in a promotion. However,now LawPay has been charging the business 19.95 per month.

AffiniPay as LawPay replied to this complaint in a manner we feel is appropriate:

The $19.95 is a monthly PCI non-compliance fee. In keeping with Visa/MC regulations, we require customers to be PCI Compliant. As part of our service we offer a Compliance Assessment at no additional charge.  Customers have 6 months to complete. The Non-Compliance fee is only charged if a customer fails to complete the security assessment. The PCI fee is disclosed during the new account process and user training.  In addition, we send out 3 email reminders and make personal phone calls to remind customers of the importance of compliance and help them through the process. Unfortunately, if the emails go to a spam/junk folder, or customers delete without noticing the deadline, it results in the non-compliance fee. Even after the fee is issued, though, we continue to reach out to clients to walk them through the compliance process and then remove the fee. In this specific case, we have reached out to this customer over phone and email and have since removed the PCI fee. Our team is always happy to support and work with clients to ensure their compliance and satisfaction

In these cases, merchants can avoid similar situations by better understanding their PCI compliance obligations.

An “A” Performance Overall

AffiniPay does not have any informal reviews posted to its BBB profile. Given the fact AffiniPay’s complaints are related specifically to LawPay and not the credit card processor as a whole, we agree with the BBB‘s rating at this time.

Response from AffiniPay

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Truth In Marketing & Advertising

Key Points

Employs Independent Resellers No
Advertises Deceptive Rates Yes
Discloses All Important Terms Yes

In-House Sales Team

AffiniPay appears to rely on an in-house sales team and its numerous partnerships with professional associations to market its services. There is no indication that the company hires independent sales agents, and, overall, we are unable to locate any complaints about AffiniPay’s sales tactics.

Potential Deception

The AffiniPay homepage currently lists a rate quote of “1.95% & 20¢ per transaction.” This rate quote is not inclusive of the company’s per-transaction rates, as AffiniPay merchants may pay up to 3.5% per transaction under certain circumstances. We consider this type of rate quote to be deceptive in nature because it could give merchants an unrealistic expectation of the rates they will pay.

No Complaints

In spite of this, AffiniPay has not received any merchant complaints that cite misrepresentation of fees. We will not lower the company’s score at this time, however, If you suspect that AffiniPay is charging you undisclosed fees, we recommend seeking a free, third-party statement audit.

Response from AffiniPay

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AffiniPay Marketing Example

AffiniPay Logo

Our Opinion of AffiniPay

A Great Option For Most Businesses

AffiniPay rates as an exemplary merchant services provider according to our criteria. There is not a great deal of information available about the company’s contract terms, but as of this update, AffiniPay enjoys a clean complaint record on all of the usual consumer protection websites. Owing to the performance of its DBA LawPay, the company rates as a top-rated legal account merchant provider. Even when dealing with seemingly reliable merchant services providers, merchants are advised to carefully examine the terms of any contract they sign.

I'm a small business owner, former credit card processing sales director, author of this post and creator of this website. I've seen the merchant account industry from both sides of the table and built this website to, hopefully, make your life easier when it comes to accepting credit cards. I review every service provider I can find and track the best merchant accounts as well the worst merchant accounts. I also built the free tool below to find hidden credit card processing fees and overcharges in your merchant account statement. Try it out and contact me to let me know what you think! Thank you for reading my article!

Merchant Account Statement Analyzer

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2 Reviews Leave Your Review for AffiniPay Below

  1. Amy Porter says:

    Thank you once again for your review and ranking of AffiniPay/LawPay. We appreciate the recognition of our efforts in the industry. I also hope you will reconsider your change from A+ to A regarding our fees. Our pricing has not changed since last year. I also believe our account options are clearly disclosed on our website, which unfortunately is something not always done in this industry, but we strive to do. The 3.50% you mentioned is simply an option available through our LawPay program for smaller firms looking to have one FLAT RATE with NO TRANSACTION fees. No one with a Standard LawPay plan would ever pay 3.5%. The options for this plan, and the standard LawPay plans are clearly available under the “Open Account” link on the LawPay website.

    Best regards,
    Amy Porter
    CEO, AffiniPay

    1. Marge Falendysz says:

      Affinipay (DBA LawPay, MedPay, CPAcharge) Of course you will not find poor reviews for Affinipay because the review are all under their third party processors. I requested a copy of AfiniPay pricing and I received a copy of their ‘Program Guide’. It is important to read everything about the program guide so a merchant will understand additional charges that are not listed within the program guide. They use Priority Payment Systems, LLC as their payment processor. (only bad reviews), The customer is also required to pay for ‘additional services’ for third party processors, such as Transarmour by First Data Services. These fees are not delinated in your agreement. But you will pay a ‘batch fee’ of .20 per item. FirstData services only does Batch Processing. This is what I would call hidden fees and there are a lot of them.

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