Widely distributed soil humic acid (HA) would significantly affect the environmental migration behavior of Tl(I), but a quantitative and mechanistic understanding of the dynamic Tl(I) retention process on HA is limited. A unified kinetic model was established by coupling the humic ion-binding model with a stirred-flow kinetic model, which quantified the complexation constants and responsiveness coefficients during dynamic Tl(I)-HA complexation. Furthermore, the heterogeneous complexation mechanism of HA and Tl(I) was revealed by batch adsorption experiments, stirred-flow migration experiments, and 2D-FTIR-COS analysis. An increase in pH significantly improved the responsiveness of HA organic binding sites, promoting Tl(I) dynamic retention. Monodentate carboxyl groups induced rapid Tl(I) complexation (kd = 1.9 min−1) in strongly acidic environments. Under weakly acidic conditions, Tl(I) retention on HA was mainly attributed to the synergistic complexation effect of carboxyl and amide groups. Among the groups, multidentate carboxyl-phenolic hydroxyl sites could achieve sustained Tl(I) retention due to their stable complexing properties (logK = 4.48∼7.46) and slow response (kd = 1.1 × 10−3 min−1). These findings are crucial for a comprehensive understanding of the environmental interactions of Tl(I) with humic substances in swamp environments.