Payment Processing

What Nonprofits Need to Know about Credit Card Processing

credit card processing

Recently we contributed an article on The Fundraising Authority to provide some helpful information for nonprofits interested in credit card processing solutions. If you are a nonprofit considering processing payments or donations via credit or debit cards, you are going to want to find the right integrated payments or merchant services provider.

Below we outline a few factors for you to consider when selecting a merchant services  partner:

Easy Account Set-up & Integration

First, you’ll want to be sure that the merchant application is streamlined and that the credit card processing services provided are able to integrate seamlessly with your fundraising platform in order to make the process user-friendly for you and your supporters. Some merchant account applications can take several days of faxing forms back and forth – that isn’t any fun.

Credit Card Processing Fees

Every merchant service provider charges fees for processing transactions. Compare transaction rates (the percentage taken from each transaction made) along with other monthly fees, service fees, charges for support, premiums for mobile processing and more. It is very difficult to accurately access the credit card fees on a standard merchant account – so be sure to read the fine print. Integrated payments that offer a flat-fee can be the way to go to avoid all of these extra fees.


Identify how you will process payments (online, on-site, on-the-go)? If you require processing equipment, you’ll want to find what equipment the vendor provides, the costs associated, and if training and set up is included. Some companies charge hundreds of dollars for credit card terminals, where others include free equipment with their services – rolling up the costs.

Customer Service

Is the company helpful during your search inquiries? Do they provide you with links, research and customer testimonials? Do they have a credited reputation? Do they offer any incentives for becoming one of their valued customers? At some point, you will likely need customer service, so don’t ignore this.

Contractual Obligations and Cancellation Fees

Some companies require annual contracts, and some have early termination fees so be sure to check the fine-print of your contract. Luckily there are some merchant services companies that will pay your termination fees to release you from your current contract if you desire a change.

After considering all of these details, hopefully you’ll be able to find the right merchant services provider for your school or non-profit organization. DoJiggy can assist US clients with non-profit merchant accounts at great rates.

Read more on Should Organizations Use Integrated Payments, Merchant Services or PayPal?

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