Law Firms guide

Trust versus operating

Unearned retainers belong in trust; earned fees in operating. Your processing setup should deposit each to the right account and charge all fees to operating.

Bar rules

State bars in the US and law societies in Canada publish guidance on card payments into trust. It generally requires that fees and chargebacks not reduce client funds. Read your own bar's guidance.

Retainers and plans

Retainers can be large; ACH is cheaper. Payment plans help clients and should be documented.

Pricing

Professional invoices are medium to large; interchange-plus and ACH matter most.