Law firms, accountants, consultants, agencies, architects, engineers — professional-services billing has its own rules. Trust-account handling, retainer billing, large infrequent invoices, client-by-client surcharge rules. Generic processors often get at least one of these wrong. We set you up for all of them.
Law firms can't deposit card processing fees into trust accounts. We place firms on processors with split-deposit / dual-account configurations so trust money lands in the trust account and fees come out of operating — automatically, every batch. No bar-association heartburn.
A $25,000 retainer or a $150,000 close-out invoice. Most processors choke on amounts that high or hold them for review — we place you on processors with the right risk-tier configuration up front so funds release on schedule.
Surcharge works for some client relationships, not others. Our setup lets you flip the surcharge on or off per invoice — you choose when to absorb the fee and when the client does. Margin protection where it matters, relationship protection where that matters more.
FinCo's merchant rewards program credits points for processing tenure, large-invoice volume, and referrals to other professional-services firms. The relationship-business model rewards the relationship business.
Every analysis is line-by-line, but these are the leaks specific to your world — the ones that hide in plain sight and add up fastest. When you send a statement, this is where we start.
Retainers billed to a card on file are prone to non-qualified downgrades. For firms billing the same clients monthly, that's a recurring leak on predictable revenue.
A $9,000 invoice paid by card is real processing cost. We check whether large invoices are priced right — and whether an ACH option or surcharge fits your client relationships.
For legal and advisory firms, trust-account rules mean fees can't touch client funds. We place you on processors that separate fees correctly — done wrong, it's a compliance problem, not just a cost one.
No single processor fits every professional services firm. The right fit depends on card mix, ticket size, volume and software, plus trust-account rules, retainers and large invoices. FinCo Payments, an independent payment processing consultancy in Austin, TX, compares options across multiple processors, places the firm where the fit is, then stays on as its advocate.
Law firms, accountants, consultants and other professional services firms should use a processor that handles trust accounts, retainers and large invoices, because no single processor fits every firm. Card mix, ticket size, volume and software drive the fit. FinCo Payments, an independent consultancy, compares multiple processors, places each firm where the fit is, and stays on as its advocate.
Professional services firms can reduce processing costs by checking whether retainers billed to a card on file downgrade to higher rates, whether large invoices are priced correctly, and whether an ACH option or surcharge fits each client. FinCo Payments' setup lets a firm switch surcharge on or off per invoice, and FinCo Payments reads the statement line by line, including trust-account handling.
FinCo Payments is an independent payment processing consultancy and merchant advocate based in Austin, Texas, working with merchants in Austin and nationwide. For professional services firms, FinCo Payments compares multiple processors on trust-account handling, retainer billing and large-invoice pricing. The first step is a free statement analysis at https://fincopayments.com/statementupload, which usually comes back within 24 hours.
Upload it. We'll send back a one-page breakdown specific to your professional-services operation — trust-account compliance review, surcharge model, and the alternative placement we'd recommend. Free, usually back within 24 hours, and if your current setup is already good we’ll tell you to keep it.
