Merchant services for law firms that accept retainers, installment plans and invoice payments by card or ACH, with fees routed to your operating account. Apply with confidence.
Law firms need payment processing that respects the line between trust and operating funds. Daystar can structure accounts so client payments reach the correct account and processing fees are charged to your operating account rather than your IOLTA or trust account. As a high risk merchant account provider, we also support practice areas that mainstream processors often decline.
We work with 20 acquiring banks across 4 continents and serve 54+ industries, including personal injury, criminal defense, family law, immigration, estate planning, business law, debt settlement and collections. We have a 95% approval rate among qualified applicants, most decisions come within 24 hours, and most approved merchants are live within 3 business days, with no long-term contracts.
Solo practices and multi-location firms can take large retainers by card, run monthly payment plans, accept payments on the firm website and send invoice links, with security tools that protect sensitive client information and keep confidential payment details off office computers. Reporting by client or matter number makes reconciliation with your billing and practice management software faster at month end.
Accept large retainers, flat fees and earned-fee invoices by card in the office or over the phone. Processing limits are set around your real retainer sizes, and accounts can be structured so deposits go to the right trust or operating account while fees are debited from operating funds, which helps your firm follow its trust accounting procedures.


Add a secure payment page to your firm website and send invoice links by email, so clients can pay retainers and balances without calling the office. Tokenization keeps card data off your systems, and gateway reporting ties each payment to a client or matter number for easier reconciliation with your practice management software.
Collect payments during consultations, at court appearances or at a client’s home with mobile card readers and payment apps. Attorneys and staff can take a retainer on the spot, email a receipt immediately and accept tap-to-pay, which helps firms that meet clients outside the office or run satellite locations.

Offer ACH and eCheck for large retainers, settlement-related fees and business clients who prefer bank payments. Lower processing costs on high-value transfers help firms keep more of each fee, and ACH is a good fit for corporate clients whose accounts payable teams pay invoices by bank transfer.

Set up monthly payment plans for criminal defense, family law, immigration or debt settlement clients who pay fees over time. Recurring billing with retry logic and card updater tools reduces missed installments, and clear descriptors that show your firm name help clients recognize each charge.

Serve clients abroad, such as immigration clients’ family members or international business clients, with multi-currency acceptance and domestic or offshore processing options. International clients can pay retainers and invoices in a familiar currency, while fraud screening and verification tools help manage the added risk of cross-border payments.

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Daystar’s specialized Law Firm payment gateways are tailored to the unique needs of businesses, ensuring compliance with regulatory requirements and mitigating the challenges associated with the industry’s financial landscape. By offering reliable and seamless electronic payment processing, these gateways empower businesses to accept payments for CBD products, providing customers with a convenient and trustworthy purchasing experience.
Optimize your CBD and hemp business with our advanced ACH transfer and eCheck solutions, providing a secure and efficient payment processing experience. Say goodbye to the limitations of traditional payment methods and embrace the convenience of electronic checks. Our seamless ACH transfer system ensures quick and reliable transactions, allowing customers to make purchases with ease.n Yes. We offer chargeback alerts and fraud protection tools, with availability depending on your program. Our systems help flag fraudulent transactions and reduce chargeback risk.
Yes, we provide multiple MIDs. This feature is especially beneficial for businesses looking to diversify their payment processing across different products or services.
Many state bar rules restrict deductions from client trust funds, so firms commonly deposit trust payments in full and have processing fees debited from their operating account. Daystar can configure accounts that way. Your firm should confirm the specific trust accounting requirements in its jurisdiction with its bar association or ethics counsel.
Surcharging is permitted in many states when it follows card-brand rules and state law, and some states restrict it. We can configure compliant surcharging or convenience fee programs where allowed; confirm any ethics rules that apply to your practice.
Often, yes. Higher-risk practice areas such as debt settlement and collections are underwritten through partner banks that work with these models. Approval depends on your firm’s history and documentation.
Yes. Recurring billing supports monthly fee installments, with retry logic and account updater tools to reduce failed payments.
Yes. Firms with several offices can set up multiple MIDs or locations for separate reporting while working with one provider.
Law firms face a payment processing challenge that other professional services businesses do not: IOLTA (Interest on Lawyers Trust Accounts) compliance. Card processing fees cannot be deducted from client trust funds — a standard card processor setup can result in state bar ethics violations. Daystar structures legal merchant accounts so fees are charged to the firm operating account, never to trust funds, maintaining full IOLTA compliance across all US jurisdictions.
Beyond compliance, attorneys increasingly need to accept large retainer payments by card, run recurring billing for monthly legal fee installments, and accept payments through their firm website. Firms with high-value transactions, high chargeback exposure from contested matters, or practice areas like debt settlement and immigration often find Stripe and PayPal terms insufficient.
Personal injury and contingency-fee firms, criminal defense, family law and divorce, immigration law, estate planning and probate, business and corporate law, debt settlement law firms, and collection attorneys. Multi-location and high-volume firms are welcome.
Can law firms pass credit card fees to clients? Surcharging is permitted in most US states. State bar rules on disclosure vary — Daystar configures compliant surcharging where permitted so the firm absorbs no processing cost.
What if our firm was declined by LawPay or another legal processor? High-risk practice areas — debt settlement, certain immigration matters, and criminal defense — sometimes face declines from legal-specific processors. Daystar provides accounts through banks that underwrite these practice areas.
Do you support installment payment plans for legal fees? Yes. Recurring billing for monthly legal fee installments is fully supported with retry logic and account-updater tools to reduce missed payments.