Every dollar to fees is a dollar that didn't fund the mission.
Most nonprofits and churches pay full retail processing on every gift, never knowing the rate is negotiable, or that they may qualify for reduced charitable interchange. Across a year of giving, that's real money that should have stayed in the mission.
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What nonprofits and churches are up against
Overpaying on every donation
Many organizations never negotiated processing and sit on default retail rates. The card networks even publish reduced interchange for qualifying nonprofits, and most orgs were never registered for it.
Recurring giving has to be reliable
Monthly donors and tithing programs only work if the card on file is charged automatically and never quietly fails. A dropped recurring gift is a donor you have to win back.
Donors are mission-minded
Asking a donor to cover the fee is a delicate, donor-friendly option; surcharging a giver is a different conversation. The program has to respect the relationship.
In-person and online, one set of books
Sunday plate, a gala terminal, an online donate button and text-to-give all need to land in one place that reconciles, not four systems that don't talk.
The program fit
Interchange plus + nonprofit registration
Details →Transparent pricing, plus we register you for the reduced nonprofit interchange the card brands offer qualifying charities, which most orgs never claim.
ACH and eCheck
Details →For large gifts and recurring giving, a flat bank-to-bank fee keeps far more of each dollar than a card percentage.
Dual pricing
Details →Where it fits, a clear cash-or-card option, or a donor opt-in to cover the fee, keeps the cost of acceptance out of the mission budget.
The systems we'd quote
Virtual terminal
Details →Store a card on file for recurring monthly giving and tithing, and key in phone or mail gifts, all charging on schedule on their own.
Online & text-to-give
Details →A donate button and payment links for online and text giving, routed to the same account so everything reconciles together.
Event terminal
Details →A wireless terminal for galas, plate giving and in-person events, tap and chip, on the same negotiated account.
Fair questions
Can a nonprofit really get lower processing rates?
Often, yes. The card networks publish reduced interchange for qualifying charitable organizations, and we register you for it and negotiate the rest. Most nonprofits we review were never set up to claim it.
How does recurring monthly giving work?
We keep each donor's card securely on file and charge the recurring gift automatically on schedule, with retries handled, so a routine card update doesn't silently end a monthly donation.
Should we ask donors to cover the processing fee?
It's a common, donor-friendly option, and many givers happily opt in so their full gift reaches the mission. Surcharging is more delicate; we set up whichever approach fits your donors.
What about free processors like Zeffy?
We'll be straight with you: free-to-the-org donation platforms exist and are a great fit for some, especially online-only giving. Where you also need in-person events, a POS, or higher volume, a negotiated account usually keeps more of each dollar. We'll tell you honestly which you're better off with.
Can you handle both in-person and online giving?
Yes, on one account: Sunday or event terminals, an online donate button, text-to-give and recurring billing all reconcile together instead of living in separate systems.
What's the real saving for an organization our size?
Send one recent statement. Between negotiated pricing and nonprofit interchange registration, the savings are usually meaningful, and we'll show you your exact effective rate and what stays in the mission, in writing, first.
Keep more of every gift in the mission.
One statement, 24 hours, your real number in plain English.