Built for UK law firms

Payment Processing for Law Firms — Pay by Bank at 1% Flat

CC Payments is the managed payment processor for UK solicitors, conveyancers, probate practitioners and barristers' chambers. Take retainers, settlements, exchange monies and invoice fees via Pay by Bank (Open Banking) at a flat 1% — or card — with client-account routing and full audit trail. Our developers build the integration. You focus on the matter.

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PCI DSS Level 1
FCA-regulated infrastructure
Client-account routing
Live in 24 hours
UK-based team
Why law firms choose CC Payments

Designed for the way solicitors actually get paid.

Your clients don't want to hand over a card for a £25,000 conveyancing deposit. You don't want chargebacks on a matter settled six months ago. Your cashier doesn't want yet another reconciliation spreadsheet. This is what a proper legal payment processor looks like.

Client-account ready

Route client funds and office funds to separate bank accounts from one payment link. Full audit trail for SRA accounts rules and internal compliance reviews.

No chargebacks on Pay by Bank

Open Banking transfers are irrevocable. A former client can't reverse a settled fee six months later. For disputed matters, the risk sits with the client — not your firm.

1% flat on high-value matters

On a £25,000 deposit, most acquirers take £400+. We take £250. Across a year of conveyancing and probate, that's tens of thousands back to the partnership.

How it works

A payment stack built around legal practice

Most payment processors are built for ecommerce. The flows, fee models and compliance tooling assume a £50 basket, not a £250,000 exchange of contracts. CC Payments is different: we build managed payment processing specifically for UK law firms, with the payment methods, routing and reporting that actually match how solicitors bill and take client money.

For conveyancing and commercial firms, Pay by Bank links sent to clients handle deposits, searches, stamp duty and completion monies at 1% flat — a fraction of typical card cost. Funds arrive in minutes, straight into the right account. For family and private client teams, staged instalment billing with automatic retries means your fee-earners aren't chasing card payments. For probate and trusts work, per-matter tagging and export keep estate accounts clean.

Underneath all of it is the same managed service: our engineers build the integration with your website, CRM or practice management system, our UK onboarding team handles KYC and compliance, and our rates typically beat the high-street acquirers on effective cost.

Features for every matter type

Everything a modern law firm needs

From the first retainer to final settlement — cards, open banking, phone payments and subscriptions, all on one dashboard.

Pay by Bank payment links

Send a secure link by email or SMS. The client authorises the transfer through their own banking app — funds arrive in minutes.

Card payments (Visa, Mastercard, Amex)

Accept debit and credit on your website, by phone, or via hosted pages. 3D Secure and PCI handled for you.

MOTO phone payments

Take card details over the phone for clients who prefer it. Keyed directly in the dashboard — no terminal, no PCI burden on fee-earners.

Scheduled & instalment billing

Break a large fixed fee into instalments. Automatic retries on failed collections so your cashier isn't chasing.

Matter-level reporting

Tag every payment with a matter reference. Export to your practice management system or accountants at month end.

Chargeback defence

In-dashboard evidence submission for the rare card dispute. We help you build the response — engagement letter, matter notes, signed authorities.

Pricing for UK law firms

Transparent rates. No monthly fee.

Custom pricing for firms over £50,000/month in client money. Send us a recent statement and we'll quote against your actual effective rate.

Debit cards
Visa & Mastercard debit
1.5% + 20p
For smaller retainers and fixed-fee services where clients prefer card.
  • 3D Secure + Apple/Google Pay
  • Instant confirmation
  • Embedded or hosted checkout
Pay by Bank
Open Banking
1.0% flat
The sweet spot for conveyancing, probate, commercial matters and high-value retainers.
  • No chargebacks — irrevocable
  • Funds in minutes, not days
  • Route to client or office account
  • No card data to store
Credit cards
Visa, Mastercard & Amex
2.9% + 20p
When the client insists — premium rewards cards and corporate plastic.
  • All major networks
  • Dispute evidence workflow
  • Real-time refunds
Use cases

Payment processing for every area of practice

Conveyancing payment processing

Deposits, searches, stamp duty, completion monies — at 1% flat via Pay by Bank instead of 1.5–3% on card. Direct to your client account.

Wills, trusts & probate

One-off estate administration fees, trust set-up payments, ongoing executor services. Full audit trail for estate accounts.

Family law retainers

Retainers and staged billing for divorce and children matters. Automatic retries on instalments so fee-earners aren't chasing.

Commercial & corporate

Large transactional fees, M&A retainers, ongoing advisory. MOTO for phone clients, links for email, plugins for your site.

Personal injury

Success-fee collections at settlement. Pay by Bank means no chargebacks six months after the matter closes.

Immigration & private client

International clients, flexible payment methods. We handle FX, 3DS and KYC — you handle the matter.

What 1% flat looks like on real matters

Approximate saving vs. a typical 1.6% effective card rate.
£15,000 conveyancing depositSave ~£90per matter
£40,000 completion moniesSave ~£240per matter
£5,000 commercial retainerSave ~£30per matter
100 matters / year at £20k avg.~£12,000annual
FAQ

Payment processing for law firms — FAQs

What is the best payment processor for UK law firms?

The best payment processor for a UK law firm depends on the matter mix. Firms handling high-value conveyancing, probate or commercial work benefit most from a processor that supports Pay by Bank (Open Banking) alongside card — Pay by Bank at 1% flat saves significant fees on five-figure deposits and completions, and transfers are irrevocable, which eliminates chargeback risk on settled fees. CC Payments provides managed payment processing tailored to law firms, including client-account routing, matter-level reporting and MOTO for phone billing.

Can CC Payments route client money to a separate account?

Yes. CC Payments supports client-account routing so that client funds and office funds from the same payment link settle into separate bank accounts, with full audit trail and per-matter reconciliation. This is compatible with SRA accounts rules and standard practice management workflows.

Is Pay by Bank (Open Banking) suitable for legal fees?

Pay by Bank is particularly well-suited to legal fees — especially conveyancing deposits, exchange monies, probate estate fees and large commercial retainers. Transfers are irrevocable (no chargebacks), settle in minutes, are authorised by the client inside their own banking app, and cost a flat 1% with no card-type surcharges.

How much can my law firm save on payment processing fees?

Savings depend on your current effective rate and the share of high-value matters. As a rule of thumb, switching large conveyancing and commercial payments from a typical 1.5–1.8% effective card rate to Pay by Bank at 1% flat saves roughly £5 per £1,000 — so £500 on a £100,000 completion and several thousand pounds per year across a typical conveyancing practice. Send us three months of merchant statements and we will quote against your actual effective rate.

Does CC Payments integrate with legal practice management software?

Yes. CC Payments supports integration with most UK practice management systems via our REST API and webhooks. Our engineers build and deploy the integration as part of the managed service — you do not need internal developers. We also support tagging every transaction with a matter reference for export to your cashier or accountants at month end.

How long does it take to get set up?

Most UK law firms are live within 24 hours of completing KYC. Onboarding, integration and payment-method configuration are handled by our team — there is no integration project for the firm to staff.

Related sectors

Other industries we serve

Take payments like a modern firm.

Live in 24 hours. We build the integration, connect your website and practice management tools, and handle KYC and compliance end-to-end.

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