Affinipay Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Internet merchant accounts and professional accounts for psychologists, legal personnel, etc.

Specializes in

AffiniPay exclusively provides payment solutions engineered specifically for the demands of professionals and their clientele. Its state of the art products makes it possible for professionals to accept all debit cards, credit cards, and electronic checks securely. 

Pricing Summary

Setup Fee: $0

Monthly Fee:  $15

Swipe Rate:  Interchange + 1.39% + $0.25

Keyed-in Rate:  Interchange + 1.39% + $0.25

Early Termination Fee : $0

Contract Terms:

Month-to-month 1 Year
Visit Affinipay

AffiniPay is a registered service provider of Wells Fargo Bank, N.A., Citizens Bank, N.A., and BMO Harris Bank, N.A.

Affinipay Overview


Located in 3700 N Capital Of Texas Hwy Ste 300, Austin, TX 78746-3454, AffiniPay is a renowned provider of merchant accounts since 2005. Amy Porter is the CEO and founder of the firm.
AffiniPay is a payments solution trusted by more than 100,000 customers. With over 15 years of experience dealing with professional accounts, the firm processes a whopping $6 billion annually.The firm has over 150 strategic partnerships, and more than 5,000 professional associations trust AffiniPay. Not to mention, its expert staff of certified payment professionals provides 5-star support.Furthermore, the firm is approved and vetted by all 50 State Bars in the U.S.

Quick Facts

Head Quarters

Austin, TX

Year Founded



Tom West



Merchant Provider Risk Tolerance

What We Like

No early termination fee

Interchange-plus pricing offered

Great customer support

What We Don't Like

Some rates are not disclosed clearly

LawPay has complaints

Industries Served

  • Accounting & Tax Prep
  • Bail Bonds
  • Education
  • Educational Seminars
  • Healthcare
  • Legal
  • Marketing Agency
  • Medical
  • Nutraceuticals & Supplement
  • Pharmaceutical
  • Property Management
  • Restaurant / Bar
  • SAAS
  • Telemedicine

Business Types Served

  • B2B
  • Ecommerce
  • High Risk
  • High Volume
  • Information
  • Non Profit
  • Online
  • Wholesale

Affinipay Products & Services


AffiniPay has the functionality and features that are most important to associations and their clients. It provides various forms of getting paid, report and reconciliation features, and high-end data security. Let us take a look at its products and services below:


Accept debit, credit, and other fees by mail, from your company website, or on the go with AffiniPay's easy payment and billing system. Other features include quick bill, charge, scheduled payment, custom payment pages, website integrations, refunds, digital signatures, mobile payments, etc.


Create detailed reports for executive meetings and auditors, and make reconciliation easy with AffiniPay's intelligent but straightforward reporting dashboards and features.

Compliance and Security

The firm ensures that both your company's and your client's sensitive data is private and safe. AffiniPay has a free PCI compliance program and other advanced security features for your association. PCI compliance and data security are of the utmost importance to AffiniPay.

Affinipay Payment Processing

  • Credit Card Processing
  • Debit Card Processing
  • eCheck & ACH Processing
  • High-Risk Industries
  • Mobile Payments App
  • Online Payments
  • Payment Gateway
  • POS Equipment
  • Virtual Terminal

Affinipay Billing & Invoicing

  • Mobile Payments
  • Online Payments
  • Payment Processing
  • Project Billing
  • Recurring/Subscription Billing

Affinipay Advertising & Sales

Transforming the way professionals get paid.' That is the motto for the firm as it consistently brands itself as a professional payment solution. AffiniPay has its own in-house sales team and 150 strategic partnerships with professional organizations to market its products and services. There is no sign that the firm employs independent sales agents. The firm's YouTube channel has instructions on how to run a charge here. It takes you through the step by step process of sending a bill to your client. However, there is some potential deception around. The LawPay site currently has a quote of '1.95% $0.20 per transaction.' This quote does not include the firm's per-transaction fees, as AffiniPay customers might pay up to 3.5% per transaction under certain conditions. Merchants are liable to deception since the said condition has not been made clear. To sum up, AffiniPay maintains a satisfactory standard of truth in advertising.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


Affinipay Pricing, Rates & Fees


The AffiniPay official website highlights that the firm has no application fees, lengthy contracts, monthly minimums, or startup fees. These are an extremely competitive sequence of offers.

Associations can register for AffiniPay via an association management system named Registered firms will pay a rate of interchange plus 1.39% & $0.25 per transaction along with a minimum monthly fee of $15 (merchants processing over $1,000 in a month are exempt from this). Compared to industry standards, these are quite competitive rates that associations should take advantage of to expand their businesses.

AffiniPay undertakes most of its business under the LawPay brand, a payment gateway primarily aimed at law firms. LawPay has a flat transaction rate of 1.95% & $0.20 and a membership cost that customers can pay annually for $180 or monthly for $20.

Pricing at a Glance

Pricing Model

Interchange Plus

Swiped Rate

Interchange + 1.39% + $0.25

Keyed-in Rate

Interchange + 1.39% + $0.25

Mobile Payment Rate


Virtual Terminal Rate

1.95% + $0.20

Monthly Fee


Payment Gateway Fee

Batch Fee

Early Termination Fee


PCI Compliance Fee


Equipment Lease Terms

Address Verification Service (AVS)

Application Fee


Account Setup Fee


Gateway Setup Fee

Annual Fee

Monthly Minimum

$15 (waived for merchants who process over $1,000 in a month)

Statement Fee

Affinipay Contract & Terms

AffiniPay has a comprehensive list of terms that customers must follow in its service agreement. The most notable of these terms are the termination clauses, which is briefly shared below:

  • Termination by customer: You can terminate AffiniPay's service agreement by closing your account at any given time upon thirty days' prior notice to the firm. Upon closing your account, the firm cancels any pending transactions you might have.

  • Termination by AffiniPay: Upon notice, the firm reserves the right to terminate the service agreement and shut down your account for any reason or no reason at all. It also holds the right to instruct the bank to freeze your account if AffiniPay finds you have violated service terms, provided false information, or committed fraud.

Therefore, potential customers must go through the service agreement and understand what it means to do business with AffiniPay.

Contract Length

Month-to-month1 Year

Early Termination Fee


Affinipay Setup & Support


Setup Highlights

  • In Person
  • Live Online (1-on-1)

Support Highlights

  • Domestic Phone Support (Business Hours)

Affinipay Complaints, Ratings & Reviews

AffiniPay has a good track record of its operations.

Since 2010, the firm has been an accredited business of the Better Business Bureau (BBB) and currently has an 'A+' rating. The firm has four complaints in the last thirty-six months, but these complaints are all directed at LawPay.

Neither Facebook nor Google reviews have any ratings to show.

To sum up, AffiniPay is a decent company offering excellent services.



A+ (4 complaints)








Total Online Reviews


Total Online Complaints





If you're in the market for a merchant account provider, be sure to check out our user reviews, our merchant accounts guide and our top popular merchant provider picks


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