LawPay Overview

LawPay May Have Overcharged You

If you accepted credit cards through LawPay or any other credit card processing company between 2017 and 2019, recent changes to the law may entitle you to refunds of certain debit card and credit card processing errors and overcharges. See this post to find out if your were among the businesses affected and to learn how you can get your money back.

An AffiniPay Brand

A subsidiary brand of AffiniPay, LawPay is a merchant account provider that exclusively specializes in payment processing for lawyers and law firms. Even though LawPay is technically “an AffiniPay solution,” it constitutes by far the largest percentage of AffiniPay’s overall merchant portfolio. LawPay claims to serve more than 50,000 lawyers and is the exclusively recommended payment processor of the American Bar Association.

Headquartered in Austin, Texas

LawPay is a registered ISO of Citizens Bank, N.A. The company appears to share a headquarters with AffiniPay at 3700 N Capital of Texas Hwy, Suite 420, Austin, Texas 78746. Amy Porter is the founder and CEO of both AffiniPay and LawPay.

LawPay Review Table of Contents

  • Costs & Contract: LawPay offers monthly and annual agreements that include flat-rate pricing and may or may not charge early termination fees.
  • Complaints & Service: LawPay has received fewer than 10 public complaints.
  • BBB Rating: LawPay (as AffiniPay) currently has an “A+” rating and has received 4 complaints in the last 3 years. The company has been accredited by the Better Business Bureau since 2010.
  • Sales & Marketing: LawPay does not hire independent sales agents and has not received any complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With LawPay
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Products & Services Offered

  • Debit and credit card processing
  • Customizable payment pages
  • Virtual terminal
  • Recurring billing
  • Electronic invoicing
  • Automatic earned and unearned fee sorting

Types of Businesses Served

  • Legal

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LawPay Rates, Fees, and Costs

Key Points

Flat Rate 1.95% + $0.20
AmEx Rate 2.95% + $0.20
eCheck Rate 0% + $2.00
Monthly Fee $20
Early Termination Fee Undisclosed
PCI Compliance Fee $0
PCI Non-Compliance Fee $19.95 Per Month
Equipment Lease Cost $0

LawPay Standard Pricing

The standard LawPay contract appears to be a month-to-month or one-year agreement with a monthly fee of $20 ($15 per month if paid annually) and no PCI compliance fees. A complaint on a third-party website indicates that LawPay charges a PCI non-compliance fee of $19.95 per month to users who do not maintain PCI compliance. The company’s flat rate per transaction is 1.95% plus $0.20, but this rate increases to 2.95% plus $0.20 for American Express and corporate, rewards, or international cards. Other conditional fees imposed by the major card brands are passed along at cost and are clearly disclosed on LawPay’s website.

Other LawPay Costs

LawPay does not state definitively on its website whether it charges an early termination fee on its standard plan. It also does not disclose the costs of add-on services such as integrations with partner products or special features like ACH and eCheck processing. It is unlikely that LawPay offers equipment lease contracts because its payment processing software does not require any special equipment.

No Negative Reports

We cannot find any complaints from LawPay users that mention higher-than-expected fees or unfavorable contract terms. This is a reliable sign that most LawPay users are satisfied with the rates and fees they pay. We do not consider LawPay’s pricing to be among the cheapest merchant account pricing available, but its specialized software for legal offices appears to deliver more than enough value to lawyers.

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Response from LawPay

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LawPay Complaints & Customer Reviews

Key Points

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

Clean Complaint Record

We are unable to locate any negative LawPay reviews, which is a good sign that the company is not a scam or a ripoff. The company’s clean track record is consistent with that of its parent company AffiniPay, which has received one complaint on CPO in the past six years. LawPay’s clean complaint record is especially impressive considering its high brand awareness within the legal services industry.

LawPay Lawsuits

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

LawPay Customer Support Options

LawPay offers live phone support, live chat support, email support, and an online knowledge base for all of its users. These channels appear to do an excellent job of anticipating and resolving merchant complaints, and we consider LawPay’s wide range of customer support options to be near or at the level of top-rated merchant account providers for customer service.

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Response from LawPay

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LawPay BBB Rating Summary

Key Points - BBB

Product & Service Complaints 2
Billing & Collection Complaints 1
Advertising & Sales Complaints 1
Guarantee & Warranty Complaints 0
Delivery Complaints 0

Under 10 Complaints

The Better Business Bureau currently groups LawPay’s profile with other AffiniPay brands on the AffiniPay BBB profile. AffiniPay has been an accredited business since 2010 and has an “A+” rating with the BBB and has received 4 complaints in the past 36 months. 2 complaints were related to a product or service problem, 1 was due to an advertising or sales issue, and 1 had to do with billing or collection. All 4 complaints were addressed by AffiniPay, but only 1 received a successful resolution. The other two were not resolved to the merchant’s satisfaction or did not receive a final response from the merchant.

An “A” Performance Overall

LawPay’s low complaint total with the BBB and attempts toward complaint resolution are worthy of an “A” in our view. Therefore, we agree with the BBB’s rating.

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Response from LawPay

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Truth In Marketing & Advertising

Key Points

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

In-House Marketing

LawPay appears to market its services primarily through an in-house sales team as well as strategic partnerships with professional associations and other software vendors. There is no evidence that the company hires independent sales agents, and we are unable to find any LawPay complaints that accuse the company of misleading sales tactics.

Clear Pricing Disclosure

LawPay lists its pricing details for anyone to see on its website. The company clearly displays its flat rate for qualified and non-qualified transactions as well as a linked list of special cases which may increase the costs of a transaction even further. This page is likely not inclusive of every possible fee that LawPay charges, but it does clearly display most of the relevant pricing information that lawyers will be looking for.

No Red Flags

Neither merchant feedback nor the company’s marketing materials give us any cause for concern at this time. If you suspect that LawPay is charging you undisclosed fees, we recommend seeking a free, third-party statement audit.

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Response from LawPay

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LawPay Marketing Example

LawPay Logo

Our Opinion of LawPay

A Great Option for Law Offices

LawPay rates as a reliable merchant services provider according to all available information. The company has received very few public complaints and appears to provide affordable products that are specifically tailored to the needs of lawyers. Although LawPay is a specialist in the legal industry, we encourage law firms to research all top-rated providers to see whether they can achieve a better value before opting for LawPay.

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Thank you for reading my review. I hope that it has helped you with your research.

Why I'm Qualified to Write About Credit Card Processing and Merchant Account Services

I'm a former credit card processing sales director who left the industry because I didn't like how it takes advantage of small business owners. It feeds like a leech on businesses and thrives by imposing fees that are nearly impossible to comprehend. Seeing a need for change, I left and built this website help business owners better understand the industry, research merchant services providers, and get refunds of excessive merchant account fees. My experience of working "behind the curtain" in the industry, and using that knowledge for good, has resulted in millions of dollars returned to hard-working small business owners as well as enterprise-level companies.

From the time that I starting working in the merchant services industry to when I left to create this website, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this "insider" knowledge to myself. To lift the fog, I've reviewed hundreds of companies, read thousands of user reviews, and learned the pricing tricks of every provider. If you have questions about credit card processing, you can find the answers on this website.

How I Can Help You

I specialize in helping businesses get refunds of excessive fees and have recovered $1,567,184 this year alone! Submit a recent statement below to find out if you are getting overcharged. I'll take a look at it for free. If I find fees that can be refunded, hire me on contigency. I only get compensated if I put money back into your pocket.

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