Boarded but never underwritten
Mass-market donation tools board you fast and underwrite nothing, so the account has no context for who you are or how you give.
Nonprofits & giving
Payment Processing for Nonprofits & Donations
Reliable processing for recurring and one-time giving, low rates around 2.9% and card-updater tools that keep recurring gifts from lapsing. Because we underwrite properly up front, a surge of donations after a campaign or emergency appeal doesn’t trip a risk model and freeze your funds.
- Recurring giving protected
- Rates around 2.9%
- No surprise freezes
Answer first
Your donations should arrive, especially when it matters most
The worst time for a nonprofit’s payments to break is exactly when they’re most likely to: the moment generosity surges. An emergency appeal goes out, a campaign catches fire, a tragedy moves people to give, and donations spike. With a mass-market platform that boarded you without really underwriting your account, that spike looks like anomalous activity to an automated risk model, and the model does what it’s built to do: it freezes the funds.
That failure isn’t bad luck. It’s the predictable result of processing that was never set up to expect a surge. We underwrite properly up front, so when your donations spike, the account is ready for it instead of alarmed by it. A wave of giving is the outcome you’re working toward, your processing should treat it that way, not freeze it.
Why donations get frozen
It isn’t the cause. It’s processing that never expected a surge
Campaign surges read as anomalies
An emergency appeal or matching deadline spikes volume, and an automated risk model reads that generosity as suspicious activity.
Funds held at the worst moment
Donations meant for disaster relief or a matching deadline sit locked while your team fights a support queue.
Recurring gifts silently lapse
A donor’s card expires or reissues and, without a card updater, the monthly gift quietly stops, a meaningful chunk of budget leaking out invisibly.
How it works
Recurring giving is your most valuable revenue, protect it
For most nonprofits, the supporters who give every month are worth far more than any one-time gift, and the quiet killer of that revenue is failed payments. A recurring donor’s card expires, gets reissued after a breach, or simply lapses, and unless something updates it, the monthly gift silently stops. Multiply that across a donor base and it’s a meaningful chunk of budget leaking out invisibly.
We handle recurring and scheduled giving with card-updater functionality that keeps those gifts alive through expirations and reissues, so the revenue you’ve earned through years of donor trust doesn’t drain away over a routine card change. One-time donation pages, recurring monthly giving, pledge and campaign drives, peer-to-peer fundraising, and event-based collection all run on the same dependable rails, whatever form your giving takes, the money arrives reliably.
Rates
We publish the band
| Effective rate | Recurring giving | Settlement | |
|---|---|---|---|
| Donation processing | ~2.9% + interchange | Card-updater supported | Daily / next-day |
Well-run donation volume is low-fraud and low-dispute, and the rate reflects it. Final rate is set by underwriting based on your volume, average gift size, and recurring mix, with no invented line items to obscure the real cost. See full pricing →
How approval works
Underwritten before boarding, not after
1
You apply
Organization details, tax-exempt documentation, expected donation volume, and bank information for settlement.
2
We confirm the model
Underwriting reviews your giving model, one-time, recurring, pledge drives, peer-to-peer, so lumpy volume is understood up front.
3
A human decides
An underwriter writes the decision: your rate and any terms in writing, since donation processing is a lower-risk category.
4
You go live
We connect your gateway and recurring giving, with an account built to handle campaign surges without freezing.
A written decision
You see exactly where your file stands
No black-box “no.” Underwriting tracks every requirement to completion and issues a written memo, so a surge in generosity is expected, not a trigger, and your donations keep flowing when they matter most.
- Onboarding checklist tracked to 100%
- Giving model and recurring mix reviewed up front
- Rate and any terms in writing before you go live
FAQ
Nonprofit donation processing FAQ
What does payment processing for nonprofits cost?
Nonprofit and faith-based giving is one of our lowest-priced categories, with rates around 2.9% because well-run donation volume is low-fraud and low-dispute. Your final rate is set by underwriting based on your volume, average gift size, and recurring-giving mix. There are no junk fees, you see your discount rate, per-transaction fee, and gateway fee if you use ours, and that’s the list.
Can nonprofits accept recurring donations?
Yes, recurring giving is core to what we support. We handle monthly and scheduled donations with card-updater functionality that keeps recurring gifts from failing when a donor’s card expires or reissues, which is one of the largest causes of lapsed recurring revenue. Recurring donors are the most valuable supporters most nonprofits have, and the processing should protect that revenue, not leak it.
Why would a nonprofit’s payment account get frozen?
It usually happens when a nonprofit boards with a mass-market platform that didn’t really underwrite the account. A spike in donations after a campaign or an emergency appeal can look like anomalous activity to an automated risk model, which then freezes funds at the worst possible moment. We underwrite the account properly up front so a surge in generosity is expected, not a trigger, your donations keep flowing when they matter most.
Do you support faith-based and church giving?
Yes. Faith-based and church giving is closely related to nonprofit donations, with the same emphasis on reliable recurring giving and low rates. See our faith-based giving page for specifics on tithing, pledge campaigns, and congregation-focused tools, all on the same dependable processing.
How do nonprofits get approved for donation processing?
You apply with your organization’s details, your tax-exempt documentation, your expected donation volume, and bank information for settlement. We underwrite the account, confirm your giving model, and board you, typically quickly, since donation processing is a lower-risk category. The result is a written decision and an account built to handle campaign surges without freezing.
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Donation processing that’s reliable when it counts.
If you run a nonprofit and want processing priced for the low risk it actually is and built to protect recurring giving, that’s exactly what we do.