AffiniPay Credit Card Processing 2023: Reviews & Complaints

AffiniPay logo
full star idicating a 5 out of 5 star rating full star idicating a 5 out of 5 star rating full star idicating a 5 out of 5 star rating full star idicating a 5 out of 5 star rating full star idicating a 5 out of 5 star rating

How did they treat you? ▼

Company Overview

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 such as accounts, psychologists, and especially law professionals through its specialized platform LawPay. As of 2022, AffiniPay also owns legal software firm MyCase.

Article Summary

Before we dive in, here's a short summary of what we'll cover:

  • AffiniPay's various payment processing services.
  • The company has received few complaints.
  • There is not a lot of information about the company's contract, but it appears competitive.
  • AffiniPay carries a number of subplatforms under its banner, including LawPay, ClientPay, MyCase, AffiniPay for associations, and CPACharge.

Related Articles

AffiniPay Payment Processing

AffiniPay processes all major debit and credit cards. They specialize in processing for specific business types including lawyers, CPA firms, nonprofits, architects, engineers, designers, medical professionals, and construction professionals. Their services include Level 1 PCI compliance, QR code payments, mobile payments, a payment gateway called ClientPay, recurring payments, fraud and chargeback protection, and ABA and IOLTA compliance.

Accounting Payment Processing

CPACharge, a product of AffiniPay, provides functionalities vital for accounting professionals including varied payment methods, and reporting and reconciliation features alongside data security​.

Architectural and Engineering Payment Processing

ClientPay enables professionals in architecture, engineering, design, and construction to securely accept credit card and eCheck payments.

Association and Non-profit Payment Processing

AffiniPay facilitates associations and nonprofits with a method to accept member payments, run reports, and ensure information security​.

Location & Ownership

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 Wells Fargo Bank N.A., Concord, CA; Synovus Bank, Columbus, GA.; and Fifth Third Bank, N.A., Cincinnati, OH. Amy Porter is the founder and executive chairman of AffiniPay while Dru Armstrong is the CEO.

Table of Contents

AffiniPay payment processing
AffiniPay offers payment processing for specific industries under various names, including MedPay and ClientPay

AffiniPay Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint N/A
Recent Lawsuits No

Clean Complaint Record

After a thorough search of other consumer protection websites, we were only able to locate 2 negative AffiniPay reviews. Neither of those reviews accuse the company of being a scam or ripoff. In fact, we found few non-BBB complaints filed against AffiniPay by clients at all, though there are a couple of negative reviews from former employees on GlassDoor. 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. If you have your own AffiniPay review to make, please do so in the comments below.

AffiniPay Lawsuits

We have not found any outstanding class-action lawsuits or FTC complaints filed against AffiniPay. Dissatisfied clients who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.

We did find evidence of a patent infringement lawsuit brought by OHVA, Inc. in the Western District Court of Texas. The case was opened in early 2020 and closed less than a month later with few details on the outcome of the case.

AffiniPPay 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.

AffiniPPay Customer Service Numbers

  • 855-656-4684 – General Support
  • 800-459-5798 – LawPay Support
  • 844-362-2605 – CPACharge
  • 855-492-5995 – ClientPay
  • 855-656-4685 – AffiniPay for associations

Other Support Options

AffiniPay Online Ratings

Here's How They Rate Online

Online Ratings Summary
BBB Reports 6

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 5 complaints in the last 36 months. 4 of these complaints have been resolved to the satisfaction of the client. The other complaint was either resolved to the dissatisfaction of the client or received no final response. It should be noted that some if not all of these complaints may be for LawPay or one of AffiniPay’s subcompanies.

What Merchants Say

In addition to those 5 complaints, AffiniPay has received 1 negative review to its profile. The review describes being denied service due to business type:

If I could review it 0 stars – I would. Started attempting to make an account with this company for a payment processor that I wanted to implement pertaining to my membership based subscription service business. At first, they stated that I could not make an account with them because the *** business registration code was not supported by their bank. After providing more information about my business the representative stated that his manager approved the decision and to submit financial documents, bank information, and also a personal ID card. I just formed my LLC so some information I did not have access to – such as recent bank statements. How would I have statements if I am trying to set up a payment processor?? But that is besides the point. So now, after having access to my bank information (account and routing numbers) and also my photo ID, they decided to deny my request for an application. Even after their manager approved it, all of a sudden they tell me they cannot move forward with my application due to the original reasoning that my business is not supported. This company is a scam, and just straight up fraudulent liars. Now I am trying to make sure they utmost properly dispose of my personal, sensitive information. The only reason I was using this company was because the other company I set up my website with (where I will be accepting the payments from) had Affinipay as their default partner and also with the lowest fees (other companies you have to pay additional, such as registration costs, monthly subscriptions, and payout fees). So I wasted weeks where I could have already set up the payment processor. The original representative I was chatting with back and forth via email just straight up stopped replying, and another rep took over. Please do yourself a favor and pick another merchant to process your payments. Very unprofessional and very fraudulent to deny my application after I submit sensitive info. AVOID AT ALL COSTS NOT WORTH IT.

An “A” Performance Overall

Given the company’s resolution rate, we agree with the BBB‘s rating at this time.

AffiniPay Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Cancellation Penalties Yes
Monthly & Annual Fees Yes
Processing Rates Interchange +
Equipment Leasing One-Time Fee

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 that 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 clients 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 below. LawPay charges a flat transaction rate of 1.95% plus $0.20 and a membership fee that can be paid monthly for $20 or annually for $180.

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.

AffiniPay LawPay rates
LawPay’s rate structure

AffiniPay Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Uses Independent Resellers No
Telemarketing No
Misleading Marketing 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 negative AffiniPay reviews about their sales tactics.

Potential Deception

The LawPay website currently lists a rate quote of “2.95% & 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.

Our AffiniPay Review Summary

Our Final Thoughts

AffiniPay rates as an exemplary credit card processing 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, readers are advised to carefully examine the terms of any contract they sign.

If you found this article helpful, please share it!

Testimonials & Complaints

How Did AffiniPay Treat You?

2 User Reviews

  • Amy Porter

    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

    • Marge Falendysz

      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.

Tell Us How They Treated You

Sharing your experience influences our rating and helps other business owners make informed decisions. Please take a moment to tell us if they are serving you well. Your email address will never be published, shared or sold. We only use it to authenticate that you are a real person and, if you select the option for it, to let you know if someone replies to your comment. Required fields are marked *

Comments must contain details about your experience. Please do not use ALL CAPS. Self-promotion, marketing content, or contact information of any kind will not be published. By submitting a comment, you are agreeing to our Comment Policy


Copyright © 2024, Inc. (Digital Fingerprint: 0d38c6720f0d78a701b74d58653af608). Getting paid to re-write this page? Click here to earn a reward.

Any unauthorized copying and reproduction of the content of this page, including all meta data and computer code, is strictly prohibited. While the information in the above article is believed to be accurate as of its publish date, the author and publisher make no representation or warranties with respect to the accuracy, applicability, fitness, or completeness of the contents. The author and publisher shall in no event be held liable to any party for any direct, indirect, punitive, special, incidental or other consequential damages arising directly or indirectly from any use of this material, which is provided “as is,” and without warranties. Any and all use of trade names and/or marks are for identification purposes only and shall not be construed as a claim of affiliation, or otherwise, with, Inc. ("CPO") in any form. The sole purpose of the material presented herein is to alert, educate, and inform readers. It is not intended as legal or financial advice. We may earn revenue if you obtain services from a provider that we recommend. See this page to learn how we support our operations.