The short answer

Firms need processing that settles client funds into trust and fees into the operating account, with processing costs never deducted from trust. Most bar and law-society rules require exactly this separation, and generic merchant accounts do not provide it by default.

The fee deduction problem

A standard account nets fees from each deposit, which for a trust deposit means taking money from client funds. Configure gross settlement with fees billed separately to the operating account.

Retainers and evergreen billing

Card on file with automatic top-up when a retainer falls below a threshold keeps matters funded without the awkward conversation, provided the engagement letter discloses it.

Key takeaways

  • Never allow fees to be deducted from trust
  • Use separate settlement paths for trust and operating
  • Disclose card-on-file retainer top-ups in the engagement letter

Want this checked against your own statement?

We are an independent agent — we shop every processor we work with and bring you the best deal for your profile. Free analysis, every fee named, back within 4 hours. Or call now and we will quote you on the phone.