Honest Comparison

LawPay vs Headnote

Honest comparison for solo and small law firms

Last updated October 10, 2026

Quick Verdict

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Choose LawPay if attorneys who handle retainers and need automatic trust/operating payment splits for IOLTA compliance.

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Choose Headnote if attorneys who want a modern payment experience with faster payouts and trust compliance.

Side-by-Side Comparison

Feature	LawPay	Headnote
Pricing	2.95% credit / 0.5% ACH	2.9% + $0.30 credit / 0.5% ACH
Pricing Model	Paid	Paid
Legal-Specific	Yes	Yes
Best For	Attorneys who handle retainers and need automatic trust/operating payment splits for IOLTA compliance.	Attorneys who want a modern payment experience with faster payouts and trust compliance.
MLO Integration	Not yet	Not yet
Pros	+ABA-endorsed, accepted by 50+ state bars +Automatic trust/operating account separation +IOLTA-compliant by design +Integrates with most practice management tools +Client-friendly payment pages	+Modern, clean interface for attorneys and clients +Faster payouts than LawPay (next-day available) +Trust/operating account compliance built-in +Payment plans and scheduled payments +Competitive processing rates
Cons	-Higher processing fees than general processors -Interface feels dated compared to Headnote -Slower payouts than some competitors -Setup can take a few days	-Newer company, smaller market share than LawPay -Fewer practice management integrations -Less bar association endorsement coverage -Still building out enterprise features

Our Verdict

LawPay

LawPay is the safe, proven choice for legal payments. If your bar endorses it and you need trust compliance, LawPay is the default. Consider Headnote if you value a modern UX and faster payouts.

Headnote

Headnote is the modern challenger. If you value UX and speed, Headnote edges out LawPay. Both handle trust compliance. Choose based on whether you prioritise ecosystem (LawPay) or experience (Headnote).

What about ModernLawOffice?

MLO focuses on the front door of your practice: your website, client intake, and lead management. These tools handle a different layer of your tech stack.

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