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The Complete Guide To Nonprofit Payment Processing

These processors all offer lower rates for nonprofits, but you'll also want to check for recurring billing, a free payment gateway, and other useful features.

    Chris Motola
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payment processing for nonprofits

Anyone who runs a nonprofit organization knows how important it is to keep costs low, as funds and resources are limited. There are many ways to save money, but one that many organizations don’t think of is optimizing their payment system to reduce their nonprofit’s credit card processing costs.

With COVID-19 accelerating our drift toward an ever more cashless society, donations are increasingly funneled through online payment portals. There, not only can donors pay with a credit or debit card, but they can also buy additional merchandise, such as t-shirts, mugs, or books.

In addition to taking payments, nonprofits often require the ability to collect information about donors and sponsors for future fund drives. Some donors even prefer to set up automatic recurring payments. The payment processing needs of a nonprofit can be complex.

Read on to find the credit card processors best suited to handling nonprofits and online fundraising.

Learn More About Our Top Picks

CompanySummaryNext StepsSummary

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  • Offers nonprofit discount
  • Offers individual merchant accounts
  • Pricing model favors high-volume transactions
  • Offers nonprofit discount
  • Offers individual merchant accounts
  • Pricing model favors high-volume transactions

Visit Site

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  • Individual merchant accounts
  • Nonprofit discount
  • Additional tools for donation management
  • Individual merchant accounts
  • Nonprofit discount
  • Additional tools for donation management

Visit Site

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  • Individual merchant accounts
  • Nonprofit discount
  • Good for nonprofits in medical industry
  • Individual merchant accounts
  • Nonprofit discount
  • Good for nonprofits in medical industry

Visit Site

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  • Third-party processor
  • Nonprofit rates
  • Tons of tools and features
  • Third-party processor
  • Nonprofit rates
  • Tons of tools and features

Visit Site

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  • Third-party processor
  • Extensive software for managing donations
  • Third-party processor
  • Extensive software for managing donations

Visit Site

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Other Featured Options:

  • Stripe Payments:
    • Third-party processor
    • Great for international donations
    • Nonprofit discount
  • PaymentCloud:
    • High-risk merchant accounts
    • Excellent customer support

Read more below to learn why we chose these options.

Why Nonprofits Need Reliable Payment Processing

While a nonprofit could theoretically rely on cash and paper checks for donations, this strategy would drastically limit its outreach. Almost all modern nonprofits can benefit from reliable online payment processing.

Payment processing can allow nonprofits to:

  • Accept Donations Online: Online payment processing for nonprofits makes it easy for your donors to send funds through your website.
  • Set-Up Recurring Donations: Recurring donations often use ACH bank-to-bank transfers. Payment processors can enable ACH payments for your nonprofit.
  • Ecommerce: If your nonprofit raises money by selling merchandise online, payment processors can allow you to set up online stores.
  • Seamlessly Promote & Sell Tickets To Events: Payment processing allows nonprofits to sell tickets to events more easily, allowing attendees to purchase them immediately upon an online announcement.

The Best Credit Card Payment Processing For Nonprofits

Many payments processing providers offer lower processing rates for nonprofits, but you’ll also want to consider providers that make it easy to take credit card payments and other donations online. Here are some of our top picks for credit card processing providers for nonprofits.

1. Dharma Merchant Services

Dharma Merchant Services



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Pros

  • Discounted pricing for qualified nonprofit companies
  • Competitive interchange-plus pricing
  • No annual fee or monthly minimum
  • Month-to-month billing with no early termination fees

Cons

  • Not recommended for businesses processing less than $10,000 per month
  • No support for high-risk or international users

Dharma is a merchant services provider that believes in giving good value for a fair price. It offers interchange-plus pricing, and its website clearly discloses the charges, so you know what you will pay. There’s no early termination fee with Dharma, so even if, after a while, you decide you don’t like the service, you can leave without suffering a hefty penalty.

Dharma’s company values and culture align well with nonprofits. In fact, it has been working with nonprofits for a long time and knows to make sure your nonprofit is assigned the correct MCC. It also gives an additional discount to nonprofits. As of this writing, Dharma’s nonprofit rates are:

  • Storefront: Interchange + 0.10% + $0.08 per transaction (interchange + 0.20% + $0.08 per Amex transaction)
  • Virtual: Interchange + 0.10% + $0.11 per transaction (interchange + 0.20% + $0.11 per Amex transaction)
  • Monthly Fee: $20 per month

Dharma has an entire page of information specially designed for nonprofits, so you know exactly what you will get if you sign up. For additional details about Dharma, read our Dharma review.

Get Started with Dharma Merchant Services

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2. National Processing

National Processing



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Pros

  • Nonprofit discount offered
  • Interchange-plus pricing standard
  • Low-cost ACH/echeck payment processing
  • Offers month-to-month billing with no early termination fee (ETF)

Cons

  • Long-term contracts required in exchange for free terminal
  • Early termination fee charged in some circumstances

If you work with National Processing, not only will you get a nonprofit discount, but it also makes additional donations to charities, so even your processing fees end up doing good. National Processing is a merchant account provider that favors transparency in pricing and reasonable contracts and fees. We think highly of National Processing.

As to rates, National Processing offers a discounted rate to nonprofits of:

  • Storefront: Interchange + 0.15% + $0.07 per transaction
  • Virtual: Interchange + 0.20% + $0.10 per transaction
  • Monthly Fee: $10 per month

In addition to the above, National Processing has proprietary software to help donors track their donations, and nonprofits manage these donations with additional analytics.

Get Started with National Processing

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3. Payline Data

Payline



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Pros

  • Transparent interchange-plus pricing
  • No early termination fee
  • Free virtual terminal and gateway
  • Nonprofit discounts available (medical)

Cons

  • Not available for international users
  • Hidden developer tools

Payline Data is another credit card processor that we at Merchant Maverick like. While it doesn’t have nonprofit-specific information on its website, we contacted a few folks for you and confirmed that Payline does have special rates for nonprofits.

Basically, nonprofits get Payline’s retail pricing. Typically, retail (card-present) transactions have the lowest rates. Even though nonprofits tend to get donations through the web (i.e., card-not-present transactions), Payline Data is giving its best pricing to nonprofits. To be more specific, the charges are:

  • Processing Fee: Interchange + 0.20% + $0.10 per transaction
  • Monthly Fee: $10 per month

It also works with you to set up the payment processing portion of your website to make it a better client experience, including adding a Donate Now button for easy payments. Contact Payline Data for more specifics.

Get Started with Payline

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4. PayPal

PayPal



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Pros

  • Predictable flat-rate pricing
  • Discounted nonprofit rate available
  • Extensive integrations
  • Good developer tools

Cons

  • Account stability issues
  • Inconsistent customer support

As of August 2, 2021, PayPal has changed its pricing for online payment processing, affecting new and existing merchants. The new rates are complicated and not easy to summarize, so we recommend reading our article on PayPal's pricing to understand how the new prices will affect your business.

PayPal has a lot of resources designed especially for nonprofits. That includes special transaction rates for 501(c)(3) charities. Even if your organization doesn’t qualify as such, PayPal might still have reduced rates for you. There are no extra fees for setup, statements, withdrawals, or cancellation. PayPal charges 1.9% + $0.49 per transaction. PayPal also provides a couple of different ways to take donations in person, each with its own processing rate. I recommend reading our PayPal nonprofit and donations guide for a full rundown.

In addition to special rates, PayPal offers a dedicated Donate button that allows quick donations via payment card or PayPal account. The donor can even set up recurring payments from there. You can also prompt your donors to pay the promised amount with a PayPal.Me link for secure one-button payments.

If you need a payment system but already have CRM software, PayPal integrates with quite a few CRM software providers. Be sure to visit the PayPal nonprofits page to see if your software can be used with PayPal. Lastly, you’ll automatically be included in the PayPal Giving Fund, where donors seeking to do good can find you.

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5. Square

Square



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Pros

  • Predictable flat-rate pricing
  • No monthly fees
  • Impressive feature set
  • Affordable chip card readers

Cons

  • No nonprofit discount rate for entities taking in less than $250K annually
  • Account stability issues

Square has a dedicated page for nonprofits, but, at this writing, it does not give a special discount rate to most nonprofits. If your nonprofit takes in more than $250,000 per year in donations, however, you might be able to negotiate a custom discounted rate. Otherwise, Square charges its standard transaction fees: 2.6% + $0.10 per transaction, with keyed-in transactions costing 3.5% + 0.15%.

While Square doesn’t exactly give a discount for nonprofits, a lot of Square’s processing, business management, and payment analytics software come free after signing up. One feature that might benefit nonprofits is Square’s customer management software, where contact information and donation history can be automatically saved.

If you need to integrate Square payments to other software, Square supports a large number of options. Be sure to read our full review of Square and investigate the specifics of its website. Then, have a look at our guide to Square for nonprofits.

Get Started with Square

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6. Stripe Payments

Stripe Payments



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Pros

  • Discount available for qualifying nonprofits
  • Excellent developer tools
  • Predictable flat-rate pricing
  • Advanced reporting tools

Cons

  • No nonprofit discount if your organization raises less than 80% of its funds via donations
  • Account stability issues

Stripe offers custom charity pricing for nonprofit organizations with a base rate of 2.2%+$0.30 for most transactions. To qualify, your nonprofit must be a 501(c)(3) organization, and you must also raise at least 80% of your funds through donations. That means if your organization raises more than 20% of its funds through membership fees, tuition payments, etc., it can’t qualify for this discounted rate. You must contact Stripe to find out your specific discount.

Once you have set up your nonprofit with Stripe, you can create a custom website experience, accept payments on desktop and mobile devices in any currency, and generate and download custom reports. Some very large charities/nonprofits use Stripe, including Unicef, Oxfam, and NPR. If you go with Stripe, you’d be in good company.

Read our Stripe nonprofit guide before making a final decision.

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7. PaymentCloud

PaymentCloud



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Pros

  • High-risk specialist
  • Free credit card terminal
  • Excellent customer support

Cons

  • Non-transparent pricing
  • An early termination fee may apply

PaymentCloud is a credit card processor specializing in servicing high-risk businesses, and nonprofit organizations tend to be classified as such. The company pitches itself as a nonprofit payment processing solution, offering processing services and an integrated gateway to nonprofit organizations and businesses. Sadly, it does not provide a specific nonprofit discount.

PaymentCloud offers a virtual terminal, a shopping cart integration, and ACH/echeck processing, among other features. The company also provides one “free” terminal per merchant account, though if you close your account, you’ll have to ship your card reader back to the company immediately, lest you get charged for the full cost of the machine.

Unfortunately, PaymentCloud provides no pricing information on its website. However, we know that PaymentCloud offers both tiered pricing and interchange-plus pricing models. We recommend getting interchange-plus pricing whenever possible.

Get Started with PaymentCloud

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Choosing A Nonprofit Payment Processor VS Donation Software

If you’ve been looking for ways to take donations online, you’ve probably come across something that sounds a lot like nonprofit payment processing: donation software. In point of fact, there’s a lot of overlap between these two categories, but they aren’t exactly the same thing.

Payment Processor Donation Software
Allows Nonprofits To Process Non-Cash Donations Yes Sometimes (if partnered with a payment processor)
Provides Tools For Building Websites, Tracking, & Managing Donations Sometimes Yes

Nonprofit payment processing and donation software can be different roads to the same end. So a payment processor may provide donation software, and that software, in turn, can partner with payment processors to allow you to take donations through the software. Keep in mind, however, that you will need a payment processor to take non-cash donations.

How To Get Free Credit Card Processing For Nonprofits

nonprofit payment processing

In the strictest sense of the word, free — as in “at no cost to you” — yes, free credit card processing for nonprofits exists. However, this merely means that you pass your processing costs down to your donors. A nonprofit is one of the few types of organizations that can get away with asking customers to cover the cost of “free” payment processing without incurring a wave of resentment. Walmart.com would not enjoy that privilege. Check out our guide for a list of processors that allow you to pass processing costs onto your donors.

Familiarize yourself with surcharging and convenience fees. In addition to the actual charge, surcharging means the processing costs are added to the amount afterward, and the payment card user must pay this additional amount. For convenience fees, the net result is the same — the card user pays the processing costs — but you must have a “primary” way for the donor to pay if they don’t want to pay the convenience fee.

Some truths about free payment processing for nonprofits:

  • You can eliminate some or all of your processing costs
  • You may be charged a monthly fee for using the feature
  • You’ll still be responsible for chargebacks and other incidental fees
  • You’ll need to clearly inform your donors that they’re paying the costs
  • You may turn off some potential donors, though this is less of an issue than it is for for-profit businesses
  • You may be liable if you do not implement this feature correctly, so follow the guidelines of both your state and payment processor

4 Tools & Features To Look For In Your Nonprofit Credit Card Processor

Nonprofits have some specific needs when it comes to payment processing. Here are a few tools and features you should be on the lookout for when selecting a payment processor.

ACH Processing

You’ve probably used an automated clearinghouse (ACH) for direct deposits and peer-to-peer transactions. Basically, ACH payments are the most common way of performing bank-to-bank transfers in the US. They’re low cost compared to credit card transactions, making them excellent for recurring donations.

Reasonable Rates

Comparing payment processor rates can be tricky because not all of them use the same pricing model. Low-volume nonprofits will probably want to consider processors that offer flat-rate pricing with no monthly fee. Higher-volume nonprofits will generally be better off with interchange-plus pricing.

And everyone should stay away from tiered pricing if possible, though high-risk businesses don’t always have a choice.

Nonprofit discounts are always nice too, of course.

Donation Buttons

If you’re taking donations online as a convenience to your donors, you want it to be easy for them to give you money. Many payment processors offer nonprofits simple buttons for donation processing that you can drop into the HTML of your website. Others will provide you with tools to build landing pages and websites.

Strong Security Features

Nonprofits, like other businesses, can be victims of credit card fraud. While it’s not possible to reduce the risk of credit card fraud to zero, you’ll want to select a processor that has a good reputation for security. Additionally, you’ll generally want to choose one that takes PCI compliance out of your hands by keeping all credit card information on their server rather than yours.

Get More Resources For Your Nonprofit Or Charity

Payment processing is among the more complicated services a business can sign up for. The terminology alone can be difficult to follow, to say nothing of differences in pricing models, merchant account types, and integrations. Merchant Maverick can help clean up some of the confusion, however. Check out the following features to help demystify the world of payment processing:

For more information on nonprofit-related issues, check out some of these guides:

How Do I Choose The Best Merchant Services For My Nonprofit Organization?

Now that you have some idea of the nonprofit merchant services out there and the discounts you might be able to get, it’s time to look at your nonprofit’s needs.

Start shopping around. Consider your donation volume. Are the donations in high or low amounts? Are they recurring, or do they come in large annual chunks? Do you already have a website, or do you need help building and hosting one? All of these questions will guide you toward the best credit card processing provider for your nonprofit’s needs.

Two final things: Beware of locking yourself into a long-term contract or one that includes an early termination fee (ETF). Many processors have now moved to month-to-month packages or at least waive your ETFs. Beware of independent sales agents and deal directly with a company when you can. Also, make sure you get everything in writing.

Common Questions About Nonprofit Payment Processing

Do nonprofits pay credit card processing fees?

Nonprofits have to pay credit card processing fees unless they pass those costs on to their donors. Many payment processors offer discounted rates to nonprofits, however.

Is PayPal good for nonprofits?

PayPal may be good for some nonprofits. PayPal offers discounted rates to nonprofits and provides a number of features that make donation collection easy.

Is Square good for nonprofits?

Square may be good for some nonprofits. Square does not offer discounted processing rates to nonprofits, but its massive, mostly free software suite includes tools for donation collection.

Do nonprofits need to be PCI compliant?

Yes, nonprofits must be PCI compliant. There are no exemptions for nonprofits.

How do I ask donors to cover processing fees?

If you want your donors to pay your processing fees, consult your payment processor’s policies and your state’s guidelines on surcharging. You’ll want to clearly communicate to your donors that they are paying the costs.

In Summary: The Best Credit Card Payment Processing For Nonprofits

  1. Dharma Merchant Services:
    • Offers nonprofit discount
    • Offers individual merchant accounts
    • Pricing model favors high-volume transactions
  2. National Processing:
    • Individual merchant accounts
    • Nonprofit discount
    • Additional tools for donation management
  3. Payline:
    • Individual merchant accounts
    • Nonprofit discount
    • Good for nonprofits in medical industry
  4. PayPal:
    • Third-party processor
    • Nonprofit rates
    • Tons of tools and features
  5. Square:
    • Third-party processor
    • Extensive software for managing donations
  6. Stripe Payments:
    • Third-party processor
    • Great for international donations
    • Nonprofit discount
  7. PaymentCloud:
    • High-risk merchant accounts
    • Excellent customer support
Chris Motola

Chris Motola

Expert Analyst & Reviewer at Merchant Maverick
An expert in personal and business loans and financial health, Chris Motola has been writing about small business finance and payments for over 5 years. He has been cited in various industry publications, including Forbes Advisor, GoBankingRates, and Medium. Chris is a graduate of the University of Central Florida.
Chris Motola
View Chris Motola's professional experience on LinkedIn.

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69 Comments

Responses are not provided or commissioned by the vendor or bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the vendor or bank advertiser. It is not the vendor or bank advertiser's responsibility to ensure all posts and/or questions are answered.

    Castel

    How can we receive donations amounts as 500k + in our Non Profit Organisation with POS or other ways ? We are based in Texas, USA.

      This comment refers to an earlier version of this post and may be outdated.

      Jessica Dinsmore

      Hi Castel,
      We have a detailed post that explains How To Accept Donations Online: Everything You Need To Know To Improve Your Fundraising. I think you’ll find it very helpful! We also include a few different processor recommendations as well. I hope that helps and I wish you lots of luck with your fundraising efforts!

        This comment refers to an earlier version of this post and may be outdated.

        Brian

        5 years ago we ran and LLC selling wildflower oil. Eventually we were shut down by paypal, amazon, stripe, square, Elavon, and registered TMF ” Terminated Merchant File: Shut down and unable to do credit/debit card processing, labeled as a CBD product. Their computer software read our website as CBD, when they scanned our website account, and shut us down. Even though the CBD on the website was for Colorado Bred Design wildflower oil, nothing to do with CBD hemp products. Amazon even kept $2,700 of our sales, and later said, we had no such account. Since our product is wildflower oil, we have considered enlisting our 501 c3 organization to market the oil. Any ideas? We have applied to over 100 banks as the previous LLC and got nowhere. How bout a 501 c3 that has been in good standing since its inception in 1974.

          This comment refers to an earlier version of this post and may be outdated.

          Emily Hale

          Hi Brian,

          I’m sorry to hear you are facing so much trouble finding a processor. There are pros and cons to enlisting your 501 c3 and without knowing all of the ins and outs, I’m not comfortable giving advice concerning that particular business move. Have you specifically focused on high-risk processors? It’s possible that your other products (especially if health related) could be an issue as far as that’s concerned, too. Additionally, Square just announced that they are opening up their services to CBD sellers, so it would be less of a deterrent if that was the case. Another possibility for you is to ensure that in your site and materials, you have removed all acronyms that may be misconstrued as CBD oil. I wish you the best of luck in finding a good processor! Let us know what you land on.

            This comment refers to an earlier version of this post and may be outdated.

            Jim Mouradick

            We are in the final stages of completing our custom non-profit 501(c)(3) website/company to be able to sell original works of art from Armenia into the US market, wherein 100% all profits are donated back into Armenian charities doing charitable work in Armenia (rebuilding schools, health centers, housing, water treatment, and infrastructure). Our business model allows us to pass along a 60% income tax deduction to art purchasers/collectors. Our individual sales transactions in the first year will be between $500-$2,000 each, with annual first years sales projected to be $50,000 to $100,000. Year three annual sales should be in the $200,000-$250,000 and year five should be in the $400,000-$500,000 range, which is where we think we will level off. During this transition, sales on the low end will continue at $500 and top out at the $5,000 level. All our sales will be via internet and we hope to offer all major CC cards (including AMEX and PayPal). Is there a merchant service provider that would be the perfect fit for us (we currently bank with Chase Bank)?

              This comment refers to an earlier version of this post and may be outdated.

              Melissa Johnson

              Hi, Jim!

              It sounds like you’re based in the US, which is an advantage. It’ll make processing a lot easier. Off the top of my head, Braintree and Stripe seem like they would be good fits. Braintree will allow you to build in PayPal payments pretty effortlessly. Both are very developer friendly and you can do a lot with automation and reporting. Dharma Merchant Services is also a really great company for nonprofits in general, but they do generally want you to have a monthly volume of $10k.

              Hope this helps!

                This comment refers to an earlier version of this post and may be outdated.

                Judy Kaufman

                I head up a non-profit organization that takes in annually about $20,000: $4000 annual membership fees, $13,000 event registration fees, $1000 donations, $2000 book sales and miscellany. We currently do no credit card processing except one of our board members just started using her own Square account for selling books at a few events. We have a website and would like to allow people to pre-register on the website for events and charge the reg. fee to credit cards, as well as being able to charge donations and membership fees. (And probably also use the same system for selling books at our events and walk-in registrations.) And we need good reports of all this activity to be generated for our Treasurer. What system would you recommend?

                  This comment refers to an earlier version of this post and may be outdated.

                  Emily Hale

                  Hi Judy,

                  You might want to consider Stripe, as it’s a very flexible solution and offers integrations available (e.g. Event.com) for registering online. In addition, you can apply for special pricing with your nonprofit status. Hope this helps, and best of luck!

                    This comment refers to an earlier version of this post and may be outdated.

                    Carla Forrest

                    I opened a 501(c)3 kitten rescue nonprofit. The nonprofit will be taking online donations, mail in and over the phone donations and collecting in-store donations during adoption events. I am also opening a Cat Cafe that will be selling merchandise, coffee and cat experiences. Is there an all in one option for both businesses, so I do not have to pay 2 monthly fees. I would hate to start the cafe with a $99 monthly fee.

                    Thank you,
                    Carla Forrest
                    Small Lives Matter Kitten Rescue

                      This comment refers to an earlier version of this post and may be outdated.

                      Dakota Fillet

                      Hi Carla,

                      Square would be the best option for your business. They have no monthly fees, affordable hardware, and do not charge to use the virtual terminal to do phone or mail donations. They do not, however, support ACH and we are not sure how their online tools are since they recently made a few changes, but this is something you may want to contact them to inquire about. Additionally, we would encourage getting a chip reader for purchases to ensure you are protected against potential credit card fraud. Square has many options so it would be best to visit their site to see all of your options before choosing.

                      If you begin to clear $10k/month for credit card processing, you may want to consider Dharma Merchant Services which will give you processing discounts and access to some more specialized tools while also supporting all of the retail needs of the cat cafe. Best of luck!

                        This comment refers to an earlier version of this post and may be outdated.

                        Pam Krueger

                        Thank you for a great article, but there is still so much I don’t understand. I serve on a church committee that plans an annual retreat. We only take credit card payments from retreat attendees during our registration period which is 3 – 4 months long and the average amount charged is $150. We take credit card payments online only. Which companies do you recommend we look into as a non-profit? Thank you for taking the time to reply.
                        Sincerely,
                        Pam

                          This comment refers to an earlier version of this post and may be outdated.

                          Jessica Dinsmore

                          Hi Pam,

                          I’d suggest looking into Paypal or Square. While Square is an excellent option, Paypal offers an online discount. So I’d definitely check them both out and see what checks more of your boxes. Good luck!

                            This comment refers to an earlier version of this post and may be outdated.

                            Paul

                            Fantastic summary of the available payment processors and merchants for non-profits. Looking for guidance here as we are looking to move our 501c(3) away from from PayPal to another payment merhcant/provider. There are so many today and I am not sure what we focus on.

                            Out situation is quite unique as our non-profit runs an experimental/pilot stock exchange to gather data for the US government to one day pursue regulatory certainty. We have been taking in donations from paypal to our non-profit since 2011/12, with the stock exchange taking donations itself starting in 2014. So we have tremendous history with payment processing and very very few chargebacks over that time.

                            What’s unique about our model though is that while the non-profit take in donations to the experimental exchange, we also make outpayments should the pilot participant wish to take anything out. We have capped donations to $2500 year per pilot participant, so its not crazy amount of money coming in or going out.

                            Which providers would you recommend that would best for this model of taking in donations and sending out payments periodically?

                            Thanks!

                              This comment refers to an earlier version of this post and may be outdated.

                              Jessica Dinsmore

                              Hi Paul,

                              What an interesting question! I’d suggest reaching out to Dharma to see if they will accommodate your unique request (I suspect they will!). Best of luck to you!

                                This comment refers to an earlier version of this post and may be outdated.

                                Zana S Price

                                We are a 53 year nonprofit 501 C3 Art Association. We hold a six week holiday arts and craft show each year since 1967. Last year gross sales was $73,000 for the six weeks. Looking for a POS with lower processing fees than Square. No monthly fees, short term holiday commitment.

                                  This comment refers to an earlier version of this post and may be outdated.

                                  Jessica Dinsmore

                                  Hi Zana!

                                  I’d say Dharma or possibly Payline. The big determining factor in whether the pricing is competitive is your average transaction size. The larger the transaction size, the more likely an interchange-plus plan will work best for you.

                                    This comment refers to an earlier version of this post and may be outdated.

                                    Marlin

                                    We are a Youth Group from our church looking into purchasing something that is very feasible for our budget and looking for something that won’t charge fees. Thanks!

                                      This comment refers to an earlier version of this post and may be outdated.

                                      Jessica Dinsmore

                                      Hi Marlin!

                                      I definitely think Square or Paypal is the way to go for your youth group. Best wishes!

                                        This comment refers to an earlier version of this post and may be outdated.

                                        Joyce

                                        Hi, if you were looking to get small political campaign donations and needed to gather other information like the name, address, occupation and employer information of the donation while looking for reduced fees – what would you recommend?

                                          This comment refers to an earlier version of this post and may be outdated.

                                          Jessica Dinsmore

                                          Hi Joyce,

                                          Square would be an excellent option for you. Happy campaigning!

                                            This comment refers to an earlier version of this post and may be outdated.

                                            Michelle Stewart Walsh

                                            Hello Melissa – we’re a small local church that regularly runs fund-raisers: Rummage sales, bake sales and the like. We’d like to be able to accept credit and debit cards at these functions, but we only have a few every year, so would like to keep costs down as much as possible.

                                            What would you recommend?

                                              This comment refers to an earlier version of this post and may be outdated.

                                              Jessica Dinsmore

                                              Hi Michelle,

                                              I’d suggest looking into Paypal or Square. They both work well for smaller non-profits with variable sales volumes. Good luck!

                                                This comment refers to an earlier version of this post and may be outdated.

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                                              Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity. The editorial content on this page is not provided by any of the companies mentioned and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone.

                                              The vendors that appear on this list were chosen by subject matter experts on the basis of product quality, wide usage and availability, and positive reputation.

                                              Merchant Maverick’s ratings are editorial in nature, and are not aggregated from user reviews. Each staff reviewer at Merchant Maverick is a subject matter expert with experience researching, testing, and evaluating small business software and services. The rating of this company or service is based on the author’s expert opinion and analysis of the product, and assessed and seconded by another subject matter expert on staff before publication. Merchant Maverick’s ratings are not influenced by affiliate partnerships.

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