LawCharge: The most cost efficient attorney-merchant account programs for solo and small firms and the most flexible for mid to large size firms.

Designed by an attorney for attorneys.

LawCharge was the first to bring you merchant accounts designed specifically for attorneys that keep you in compliance with The ABA and your states guidelines for trust accounting. As the pioneers, we are always subject to copy cats but our programs are still the best and hard to beat.

You can accept credit cards with confidence when LawCharge is watching your back.

High Risk Merchant Accounts

If your law firm represents clients conducting what the industry considers high risk business’ you may find a high rejection rate for your own merchant account. LawCharge is able to offer your firm attorney merchant accounts for your high risk clients.

Some examples of high risk businesses would be Bankruptcy/Debt Repair, Collection, CBD/Hemp/Cannabis, Vape Stores, Travel, Fantasy Leagues, and Off Shore merchants.

Because a processor faces a higher rate of chargebacks and fraud in these areas you will either be denied a merchant account or charged higher than average fees. You may also be subject to a ‘rolling reserve’. LawCharge will not gouge you on rates and fees but give you a fair pricing agreement. We will not tie you to a contract period or termination fee.

Adding Surcharges or Convenience Fees

Yes – you can now pass on a portion of your costs when accepting credit cards. As of January 2013 an antitrust lawsuit was settled between merchants and the card networks. You can pass on that portion of your costs, the discount and transaction fees to your client. Typically the discount fee is between 1.65% and 4.00%. This applies to credit and debit cards, but not pin debit cards. The better way to do this is by adding a set convenience fee to the transaction. Your clients must be made aware that you are adding the convenience fee. Please call us to discuss in greater detail.

Currently there are ten states—Colorado, Connecticut, Florida, Kansas, Maine, Massachusetts, New York, Oklahoma and Texas—and Puerto Rico that do not permit the passing on of the transaction cost. As lawyers check with your state’s ethics committee even if your state permits the surcharge, your Bar Association may not.

Credit, Debit, E-Check, Invoice Sign and Pay

Discount fees starting as low as 1.69%

1. 1. Virtual Terminal Internet Processing is one of the most popular and efficient ways for you to accept credit cards. You are able to check on the status of your transactions, easily determine which account (your trust or operating) you want the deposit to be made, review the past 6 months activity, and set up recurring payments.
   2. Mobile Phone Processing is an easy and convenient way to accept card transactions. You can swipe the transaction with a small device that attaches to your phone or key it in. Our phone programs are the only mobile programs that allow you to properly differentiate deposits between your accounts so you can maintain compliance.
   3. Private Payment Portal allows the firm to pass the transaction fees on to their client. This option saves the firm some of the processing costs. It also gives you flexibility in your billing as to how you appropriate the transaction costs between the firm and the client. Your client comes to a secured site to enter their card info and amount. The client pays the discount and transaction fees, at the higher ‘capped rate’ of 3.5% and $2.00
   4. A Point of Sale (POS) terminal is what you find in retail locations. It is best used when the card is present and can be ‘swiped’ to read the magnetic strip or the new EMV chip cards. Most law firms do not have the volume to support the costs of the terminal, the paper, and the ink. These machines are good for high volume activity. Attorneys typically have a fairly low amount of transactions per month.

      Some law firms already have POS terminals in which case we can easily re-program them to set up your accounts. Never, ever lease one of these machines. By time your lease is up you would have paid for it three times over.

   5. Electronic Check Payments: No need to wait for a check to arrive in the mail. Accept checks via ACH and quicken the process. If your client has the cash, you would be saving on the credit card fees.
   6. E-Sign and Invoicing: Need a document signed? Need an invoice paid? You can do both with our E-Sign with Payments program. Powered by Magensa documents and payments are processed in an all-digital, high security environment.This patented electronic signature software provides forensically identifiable evidence of contractual acceptance with digitized electronic signatures.

Hosted Payment Page and Recurring Payments

With a payment button on your website, LawCharge programs enable your clients to pay you quickly in a secured payment gateway. You, as the merchant, are back dooring into our systems keeping the client information and your business PCI compliant and safe. Set up recurring monthly payments with ease, no more dunning a client for your fees.