Flux lets law firms take cards for convenience, ACH for larger invoices where the economics are friendlier, and pass the processing fee to the client at checkout where local rules allow.
Why law firms choose Flux
ACH for large invoices
Route retainers and big invoices over ACH where the per-transaction economics beat cards.
Pass the fee where allowed
On consumer pass-through, the processing fee is added to the client's total at checkout, where local surcharging rules allow.
Books that reconcile
A QuickBooks sync keeps law firms from retyping every payment into the accounting system at month end.
How law firms get paid
For law firms, ACH usually fits large invoices and retainers, cards suit smaller or on-the-spot payments, and Flux handles both through one integration with a clean record for your books.
A typical Flux setup for law firms
Most firms run two distinct flows. Earned-fee invoices go out monthly with a hosted payment link, and clients pay by card or ACH: cards settle in 1-2 business days, ACH in 1-3. Retainer and trust deposits are handled separately, usually by ACH, because the full deposited amount needs to reach the trust account intact under state bar rules. QuickBooks sync keeps operating and trust activity reconciled without manual re-keying at month end.
Practice areas shape the mix. Family law and criminal defense see card-heavy retainers and payment plans set up as recurring charges against a stored card with written authorization. Corporate and litigation work runs on larger monthly invoices where ACH is the default. Firms in states that permit surcharging sometimes use the consumer pass-through option on earned-fee invoices; most keep trust deposits surcharge-free to avoid any question about client funds.
What law firms should watch
The central compliance question is trust accounting. Processing fees must not reduce client trust funds, so confirm with your state bar how fees on trust-bound deposits should be recovered before you enable card payments for retainers. Refunds of unearned retainers need to come from the trust account through your normal accounting, not as a processor refund against a months-old charge, so document your refund path in the engagement letter before the first payment.
Fee disputes rarely arrive as chargebacks, but when they do they follow difficult matters: a client unhappy with an outcome disputes the retainer months later. Signed engagement letters, itemized invoices, and time records are your dispute evidence, so keep them attached to the client record. For payment plans, get written authorization for the full schedule up front; a stored-card plan without documented consent is the easiest dispute in this industry to lose.
Simple, transparent pricing
Flux charges a flat 2.9% plus 30 cents per transaction, with volume discounts for higher-volume law firms and the option to pass the fee to the customer at checkout where local surcharging rules allow. No setup fees and no contracts. Accounts processing under $100,000 a year in card volume may be subject to a $20 monthly account fee.
Frequently asked questions
How do law firms accept payments with Flux?
Law Firms accept credit and debit cards, ACH bank transfers, and stablecoins through one Flux integration, with drop-in hosted fields that keep card data off your own systems.
What does Flux charge law firms?
A flat 2.9% plus 30 cents per transaction, with volume discounts for higher-volume merchants and no setup fees or contracts. Accounts processing under $100,000 a year in card volume may be subject to a $20 monthly account fee. You can also pass the processing fee to the customer at checkout where local surcharging rules allow.
How fast do law firms get their money?
Card payments settle in one to two business days and ACH in one to three business days. Stablecoin payments go to your wallet instantly.
Can clients pay retainers that go into our trust account?
Yes, by card or ACH, but check your state bar rules first: the full deposit must reach the trust account and processing fees cannot reduce client funds. Many firms take trust deposits by ACH and recover processing costs through earned fees. Confirm your jurisdiction's position before enabling surcharging on any trust-bound payment.
Can we set up payment plans for clients who cannot pay all at once?
Yes. Store a card with the client's written authorization and schedule recurring charges through the dashboard or the REST API. Cards settle in 1-2 business days, so each installment lands on a predictable timeline you can reconcile against the matter.
Does Flux work with our billing and trust accounting workflow?
Flux syncs transactions to QuickBooks automatically, and the REST API lets practice management platforms create and reconcile payments. Keep trust and operating activity in separate bank accounts on your side; Flux gives you the transaction-level detail your three-way reconciliation needs.
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