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← Embedded Finance Index 2026

8am

“Can a vertical payments company for professional services (legal, accounting) become the full financial and operational OS for those firms by layering practice management, embedded lending, corporate cards, and AI on top of its payment rails?”

Founded2005
HQAustin, TX
Latest roundBuyout/LBO
IndustryVertical SaaS / Legal & Accounting
The story

Founded in 2005 as a payments company for legal professionals under the AffiniPay brand, the company's first product LawPay became the nationwide standard for IOLTA-compliant attorney payments. Beginning in 2022, it aggressively expanded beyond payments into practice management software through a series of acquisitions (MyCase, DocketWise, CasePeer), pivoting from a pure-play PSP into an end-to-end vertical SaaS platform for legal and accounting firms. In August 2025 the company rebranded from AffiniPay to 8am, signaling the transition from a payments utility to a full professional-services operating system, layering in embedded lending (8am Capital), spend management (Smart Spend), and AI tools (8am IQ) on top of its core payment rails.

Last 12 months
2025-03
2025-08
2025-09
2026-03
Product timeline
2005
AffiniPay founded with a mission to simplify payments for professional services firms.· banking
2007
LawPay launched as IOLTA-compliant payment solution for legal professionals.· banking
2016
CPACharge launched as a tailored payment solution for accounting professionals.· banking
2021
AffiniPay acquires ClientPay, expanding into architecture, engineering, and construction verticals.· acquisition
2022
AffiniPay launches Pay Later (Affirm-powered BNPL) for legal and accounting fees and acquires MyCase, DocketWise, CasePeer, Soluno, and Woodpecker to build an end-to-end legal practice ecosystem.· lending
2025
Launches Smart Spend and the LawPay Visa Business Card (issued by Emprise Bank), the first Visa Business Card integrated directly with legal practice management software.· card
2025
AffiniPay rebrands to 8am, consolidating all products under a unified professional business platform.· pivot
2026
Introduces 8am Capital embedded working capital loans powered by Fundbox for CPACharge and LawPay users.· lending
Acquisitions
MyCase2022
Added comprehensive legal practice management, billing, and client communication capabilities.
source ↗
DocketWise2022
Added immigration law practice management with automated form preparation and USCIS e-filing.
CasePeer2022
Added personal injury law-specific practice management platform.
Soluno2022
Added legal accounting and billing software, strengthening the financial management stack.
Woodpecker2022
Added legal document automation capabilities to the practice management ecosystem.
ClientPay2021
Expanded AffiniPay into architecture, engineering, and construction professional services verticals.
The stack
8 layers disclosed in 8am’s embedded-finance stack
Payments / PSP
Adyen for PlatformsTSYSWorldpayAdyenStripecheckout
Banking / BaaS
in the full report
Card issuing
in the full report
Card network
in the full report
Lending
in the full report
Open banking
in the full report
Sponsor bank
in the full report
Accounting
in the full report
Accounting gap: minor
19 more providers across 7 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.