Unlike a standard merchant account, LawPay offers account options structured to handle the unique requirements of an attorney-client transaction. When your client pays by credit card, funds are immediately separated into trust and operating accounts as required by the ABA Code of Professional Conduct and most state bar guidelines on trust accounting. Payments for earned fees are deposited into the firm operating account. Payments identified as unearned fees, retainers or advanced fees of any kind are deposited to the firm trust or IOLTA account in order to avoid commingling of client funds.