ACH-first invoicing
Pay-by-link with ACH as the default for invoices over a threshold you pick. Card option still available — just costs the client a stated surcharge if you're running one.
Lawyers, accountants, consultants, agencies — invoices that get paid faster, retainers that auto-bill cleanly, and trust account rules that don't put your bar number on the line.
A 2.9% card fee on a $12,000 invoice is real money. ACH (eCheck) at a flat ~$0.50-$1.00 per transaction can save thousands a year on bigger client work — without changing your billing flow.
For attorneys, processing fees can't come out of trust. We pick processors that keep operating fees and trust deposits cleanly separated, with state-bar-aware reconciliation.
Monthly retainers on auto-pay with smart retry. Card-on-file management. Clean per-client reporting that maps to how you bill, not how the processor wants to report it.
In states where it's allowed, a clean surcharge program shifts the card fee to clients who choose to pay by card. Pay-by-link invoices get paid faster — and don't require client portal logins.
Wired into the billing tools you already use — Clio, QuickBooks, FreshBooks, Bill.com — not bolted on the side.
Pay-by-link with ACH as the default for invoices over a threshold you pick. Card option still available — just costs the client a stated surcharge if you're running one.
Processors built for legal — LawPay, CPACharge, etc. — or a generic processor configured to route fees correctly. Your operating account, not your trust account, takes the fee.
Card-on-file with smart retry on declines. Self-service card update for clients. Clean monthly reporting per client.
Where allowed, a fully-disclosed surcharge program (or dual pricing) drops your effective rate near zero on card volume. We set up the legal disclosure flow correctly the first time.
I'd been eating credit card fees on six-figure annual invoices for years because nobody had walked me through ACH. Raquel switched the default in our billing system in an afternoon — saves us roughly $9,000 a year.
David M. · Managing partner, boutique law firm
Tell me what you bill on (Clio, QuickBooks, etc.) and what your average invoice looks like — I'll show you the cleaner version.