Typical Range
Law Firms, Accounting & Consulting typically pay 2.0%–2.7% effective rate
Legal services (8111), accounting/bookkeeping (8931), management consulting (7392)
Law Firms, Accounting & Consulting processing profile
| Typical effective rate | 2.0% – 2.7% on interchange-plus pricing |
|---|---|
| Relevant MCC codes | 8111, 8931, 7392 |
| Card mix | Predominantly credit — high-value invoices and retainers are rarely paid by debit |
| Typical ticket size | $300–$5,000+ — among the highest tickets of any vertical, and often processed card-not-present (online invoice payment) |
Where law firms, accounting & consulting margin leaks out
- ·Card-not-present online invoice payments (the common case for this vertical) carry higher interchange than card-present, and many firms don't realize their 'processing rate' quote didn't account for that
- ·Trust account and operating account payments sometimes get processed through the same merchant account, which can create both a fee inefficiency and a compliance question worth a conversation with your bar/licensing body
- ·Retainer and installment billing recurring charges often default to a higher rate tier than one-time invoice payments
- ·High-ticket invoices make even small rate differences meaningful — 0.3% on a $5,000 invoice is $15, and that adds up across a client roster
Junk fees to check for on your statement
- ·Online invoicing gateway fee on top of processing
- ·PCI non-compliance fee
- ·Monthly minimum fee
- ·Statement fee
- ·Card-not-present surcharge tier
Common questions
What do law firms, accounting & consulting typically pay for credit card processing?
On interchange-plus pricing, law firms, accounting & consulting typically run a 2.0%–2.7% effective rate, depending on card mix and ticket size. Predominantly credit — high-value invoices and retainers are rarely paid by debit
What junk fees should law firms, accounting & consulting watch for on their statement?
Common ones in this vertical include Online invoicing gateway fee on top of processing, PCI non-compliance fee, Monthly minimum fee, Statement fee, and Card-not-present surcharge tier. None of these are required by card networks — they're processor-added.
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More fee guides
Rate ranges reflect typical interchange-plus pricing based on industry-standard interchange categories for this business type. Your actual rate depends on your specific card mix, ticket size, and processor. This is not a quote or guarantee — use the calculator above for a figure specific to your business.