{"id":105787,"date":"2025-05-08T08:23:13","date_gmt":"2025-05-08T12:23:13","guid":{"rendered":"https:\/\/bloomerang2dev.wpengine.com\/?p=105787"},"modified":"2026-02-23T16:37:01","modified_gmt":"2026-02-23T21:37:01","slug":"nonprofit-credit-card-processing","status":"publish","type":"post","link":"https:\/\/bloomerang.com\/blog\/nonprofit-credit-card-processing\/","title":{"rendered":"8 best nonprofit credit card processing options in 2026"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Leveraging a secure payment solution throughout the donation process strengthens donor trust and provides supporters with a convenient payment method. Credit card payments are donors\u2019 preferred giving methods\u2014<\/span><a href=\"https:\/\/doublethedonation.com\/nonprofit-fundraising-statistics\/\"><span style=\"font-weight: 400;\">63% of donors prefer to give online with a credit or debit card<\/span><\/a><span style=\"font-weight: 400;\">, followed by direct mail (16%), PayPal (10%), wire transfer (5%), cash (4%), digital wallet (1%), and text-to-give (1%).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In this guide, we\u2019ll review the top credit card processing solutions for nonprofits and best practices for choosing the right platform. We\u2019ll cover:<\/span><\/p>\n<ul>\n<li><a href=\"#faqs\">Nonprofit credit card processing: FAQs<\/a><\/li>\n<li><a href=\"#solutions\">The top nonprofit credit card processors<\/a><\/li>\n<li><a href=\"#choose\">How to choose the right nonprofit payment platform<\/a><\/li>\n<\/ul>\n<p><a href=\"\/features\/payments\/\"><img decoding=\"async\" class=\"aligncenter wp-image-132455 size-full\" src=\"https:\/\/bloomerang.com\/wp-content\/uploads\/2025\/05\/Nonprofit-Credit-Card-Processing-Banner-CTA1.png\" alt=\"Leverage a secure payment processor built specifically for nonprofits. Explore Bloomerang.\" width=\"1570\" height=\"364\" srcset=\"https:\/\/bloomerang.com\/wp-content\/uploads\/2025\/05\/Nonprofit-Credit-Card-Processing-Banner-CTA1.png 1570w, https:\/\/bloomerang.com\/wp-content\/uploads\/2025\/05\/Nonprofit-Credit-Card-Processing-Banner-CTA1-768x178.png 768w, https:\/\/bloomerang.com\/wp-content\/uploads\/2025\/05\/Nonprofit-Credit-Card-Processing-Banner-CTA1-1536x356.png 1536w\" sizes=\"(max-width: 1570px) 100vw, 1570px\" \/><\/a><\/p>\n<div id=\"faqs\">\n<h2>Nonprofit credit card processing FAQs<\/h2>\n<h3><span style=\"font-weight: 400;\">What are nonprofit credit card processors?<\/span><\/h3>\n<p><b>Nonprofit credit card processing solutions are tools nonprofit organizations use to complete credit and debit card transactions quickly and in compliance with donation processing standards.<\/b><span style=\"font-weight: 400;\"> They encrypt sensitive financial data and ensure that payments are securely transmitted from donors\u2019 accounts to the organization\u2019s account.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Why is your nonprofit\u2019s payment processing platform important?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">A powerful payment processor allows nonprofits to collect funds quickly, easily, and securely. These tools make it easy to start using donated funds as soon as possible to keep your mission moving forward.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Choosing the right payment platform can also help build trust with supporters. <\/span><a href=\"https:\/\/give.org\/wp-content\/uploads\/2025\/09\/give-org-donor-trust-report.pdf\"><b>The 2025 Give.org Donor Trust Report<\/b><\/a><span style=\"font-weight: 400;\"> found that 73% of donors say it\u2019s important to trust a nonprofit organization before giving. However, only 19% highly trust charities.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">By leveraging a secure payment processor that protects donors\u2019 information, you can reassure supporters that your organization is a responsible steward of their gifts.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">What payment types can nonprofit payment processors accept?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">These platforms can manage a wide range of transactions, including:<\/span><\/p>\n<ul>\n<li>Credit cards<\/li>\n<li>Debit cards<\/li>\n<li>Google Pay<\/li>\n<li>Apple Pay<\/li>\n<li>Samsung Pay<\/li>\n<li>ACH (i.e., electronic bank transfer)<\/li>\n<\/ul>\n<p>Many platforms also offer modern payment methods like donor-advised funds, cryptocurrency, and Venmo.<\/p>\n<h3>Do nonprofits have to pay payment processing fees?<\/h3>\n<p><span style=\"font-weight: 400;\">Yes, and it\u2019s important to understand how payment processing fees work so you can find the right solution that fits your budget and generates the highest return on your investment.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">When evaluating costs, it\u2019s helpful to distinguish between <\/span><b>payment processing fees<\/b><span style=\"font-weight: 400;\"> and <\/span><b>platform fees<\/b><span style=\"font-weight: 400;\">, since they cover different services.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here is some terminology that you might see when exploring payment processing costs:<\/span><\/p>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-132457 size-full\" src=\"https:\/\/bloomerang.com\/wp-content\/uploads\/2025\/05\/Nonprofit-Credit-Card-Processing-Fee-Terms.png\" alt=\"Nonprofit credit card processing terms to know (explained in the list below)\" width=\"1500\" height=\"752\" srcset=\"https:\/\/bloomerang.com\/wp-content\/uploads\/2025\/05\/Nonprofit-Credit-Card-Processing-Fee-Terms.png 1500w, https:\/\/bloomerang.com\/wp-content\/uploads\/2025\/05\/Nonprofit-Credit-Card-Processing-Fee-Terms-768x385.png 768w\" sizes=\"(max-width: 1500px) 100vw, 1500px\" \/><\/p>\n<ul>\n<li><strong>Platform fee:\u00a0 <\/strong><span style=\"font-weight: 400;\">Typically, a monthly or annual fee for using the payment platform. Platform fees support the tools and infrastructure that allow your nonprofit to collect, manage, and track donations. Depending on the provider, this may be a monthly or annual subscription fee, a percentage-based fee applied to donations, or a combination of both.<\/span><\/li>\n<li><strong>Transaction or payment processing fee: <span style=\"font-weight: 400;\">Charges incurred per transaction, typically calculated as a percentage of each transaction plus a fixed fee, such as 2.0% + $0.30 per transaction. Payment processing fees vary based on the payment method, whether credit card, ACH, etc.<\/span><\/strong><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">In short, <\/span><b>processing fees pay for the secure transfer of funds<\/b><span style=\"font-weight: 400;\">, while <\/span><b>platform fees pay for the software and tools that make online fundraising possible<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">When choosing the right platform for your nonprofit, calculate the effective rate for each option by dividing total fees by total expected donations. This can give you an idea of how much you will pay for each platform.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Additionally, many payment platforms offer discounts for nonprofits or other ways to reduce costs, such as enabling donors to cover processing fees. Look into these benefits as you compare top options.<\/span><\/p>\n<h3>Do nonprofits get credit card processing discounts?<\/h3>\n<p>Often, yes. If you\u2019re interested in using a payment processor that\u2019s not specifically built for nonprofits, like PayPal or Stripe, look into fee discounts and other perks available to nonprofits.<\/p>\n<h3>Are there any hidden fees involved with payment processing?<\/h3>\n<p><span style=\"font-weight: 400;\">In addition to monthly or transaction fees, some payment processors may come with extra fees that aren\u2019t included in the initial pricing information. Look out for additional fees like:<\/span><\/p>\n<ul>\n<li>Setup fees<\/li>\n<li>Monthly minimums<\/li>\n<li>Integration fees<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Depending on your nonprofit\u2019s budget, these fees may add up over time and reduce your ROI. Be thorough with your questions in each demo to ensure you fully understand each platform\u2019s fee structure and choose the best solution for your fundraising efforts.<\/span><\/p>\n<h3>How quickly can nonprofits access donated funds?<\/h3>\n<p><span style=\"font-weight: 400;\">It depends on the payment processing system. Typically, platforms make funds available in one to three business days. Some platforms may offer same-day or instant payment transfers for an extra fee, which can come in handy in times of urgent need.<\/span><\/p>\n<\/div>\n<div id=\"solutions\">\n<h2>The top nonprofit credit card processors<\/h2>\n<p><b>Note:<\/b><span style=\"font-weight: 400;\"> It\u2019s important to understand that many payment processors advertise \u201cprocessor-only\u201d pricing. This means they charge a fee to securely process credit card or ACH transactions\u2014but they do not include the tools nonprofits need to fundraise online, such as donation forms, peer-to-peer campaigns, event registration, reporting, or donor management. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Most organizations using a standalone processor will also need a separate fundraising platform, which comes with its own fees. Those platform fees can vary widely depending on the provider and the specific tools, features, and fundraising capabilities a nonprofit chooses to use.<\/span><\/p>\n<div>\n<div class=\"responsive-table\">\n<table class=\"table table-striped table-hover table-bordered\">\n<thead class=\"thead-dark\">\n<tr>\n<th style=\"vertical-align: top !important;\"><\/th>\n<th style=\"vertical-align: top !important;\"><strong>Top Features<\/strong><\/th>\n<th style=\"vertical-align: top !important;\"><strong>Payment Methods<\/strong><\/th>\n<th style=\"vertical-align: top !important;\"><strong>Payout Timeline<\/strong><\/th>\n<th style=\"vertical-align: top !important;\"><strong>Processing Fees<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"vertical-align: top !important;\"><strong>Bloomerang Payments<\/strong><\/td>\n<td style=\"vertical-align: top !important;\">\n<ul>\n<li>Instant approval<\/li>\n<li>Ability to process one-time and recurring gifts<\/li>\n<li>Automatic card updates<\/li>\n<li>Mobile app compatibility<\/li>\n<li>Industry-leading PCI compliance and fraud monitoring<\/li>\n<\/ul>\n<\/td>\n<td style=\"vertical-align: top !important;\">Google Pay, Apple Pay, credit\/debit cards, ACH, and in-person donations<\/td>\n<td style=\"vertical-align: top !important;\">Flexible payout schedules that your organization can fully control<\/td>\n<td style=\"vertical-align: top !important;\">A processing fee of 2.0% + $0.30 per transaction<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: top !important;\"><strong>Stripe<\/strong><\/td>\n<td style=\"vertical-align: top !important;\">Access to over 100 payment methods and global reach<\/td>\n<td style=\"vertical-align: top !important;\">Credit\/debit cards, Apple Pay, Afterpay, PayPal, Google Pay, and more<\/td>\n<td style=\"vertical-align: top !important;\">Daily automatic<\/td>\n<td style=\"vertical-align: top !important;\">Nonprofit rate of 2.2% + $0.30 transaction fee per transaction after application and approval<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: top !important;\"><strong>Square<\/strong><\/td>\n<td style=\"vertical-align: top !important;\">Automatic sorting of donors into a segmented directory<\/td>\n<td style=\"vertical-align: top !important;\">Cash, checks, ACH bank transfers, credit\/debit cards, swipe or chip cards, and contactless NFC payments like Apple Pay and Google Pay<\/td>\n<td style=\"vertical-align: top !important;\">1-2 business days<\/td>\n<td style=\"vertical-align: top !important;\">2.9% + 30\u00a2 per transaction<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: top !important;\"><strong>PayPal<\/strong><\/td>\n<td style=\"vertical-align: top !important;\">Donate button for your nonprofit\u2019s website<\/td>\n<td style=\"vertical-align: top !important;\">Major credit\/debit cards, PayPal, and Venmo<\/td>\n<td style=\"vertical-align: top !important;\">2-3 business days<\/td>\n<td style=\"vertical-align: top !important;\">Discounted rate for charities of 2.89% and a fixed fee<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: top !important;\"><strong>Authorize.Net<\/strong><\/td>\n<td style=\"vertical-align: top !important;\">Automatic, monthly credit card updates<\/td>\n<td style=\"vertical-align: top !important;\">Credit\/debit cards, PayPal, Apple Pay, and eCheck<\/td>\n<td style=\"vertical-align: top !important;\">2-3 business days<\/td>\n<td style=\"vertical-align: top !important;\">Monthly gateway is $25 with a 2.9% and $0.30 transaction fee<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: top !important;\"><strong>Clover<\/strong><\/td>\n<td style=\"vertical-align: top !important;\">Point-to-point encryption, tokenization, and EMV<\/td>\n<td style=\"vertical-align: top !important;\">Cash, checks, credit\/debit cards, Apple Pay, Google Pay, and Samsung Pay<\/td>\n<td style=\"vertical-align: top !important;\">1-3 business days<\/td>\n<td style=\"vertical-align: top !important;\">Rates start at 2.3% + $0.10 per transaction<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: top !important;\"><strong>KeelaPay<\/strong><\/td>\n<td style=\"vertical-align: top !important;\">In-house support contained in one service<\/td>\n<td style=\"vertical-align: top !important;\">Visa, Mastercard, American Express, and ACH<\/td>\n<td style=\"vertical-align: top !important;\">Customizable disbursements; payments can be withdrawn nightly, weekly, or monthly<\/td>\n<td style=\"vertical-align: top !important;\">Uses Stripe and PayPal to process donations; transaction fees of 2.2% + $0.30<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: top !important;\"><strong>Dharma Merchant Services<\/strong><\/td>\n<td style=\"vertical-align: top !important;\">eCommerce integration<\/td>\n<td style=\"vertical-align: top !important;\">Credit cards<\/td>\n<td style=\"vertical-align: top !important;\">2 business days<\/td>\n<td style=\"vertical-align: top !important;\">$15 per month fee, processing fees of 0.10% + $0.08 for storefront payments, and 0.10% + $0.11 for virtual payments<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h3>1. <a href=\"\/features\/payments\/\">Bloomerang Payments<\/a>: Best for a unified payment solution for nonprofits<\/h3>\n<p><b>Best for:<\/b><span style=\"font-weight: 400;\"> Nonprofits that want to leverage a secure payment processor integrated with their Bloomerang CRM and online fundraising tools.<\/span><\/p>\n<p><strong>Top Features:\u00a0<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">Bloomerang is the top integrated payment processing option for nonprofits that want to protect donor information, leverage donor data for future campaigns, and accept and deposit payments all in one place.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Other payment processors integrate with Stripe and PayPal, so nonprofits may not be able to access nonprofit-specific giving methods and may be charged additional fees. <\/span><a href=\"https:\/\/bloomerang.com\/features\/payments\/\"><b>Bloomerang Payments is built on top of Stripe<\/b><\/a><span style=\"font-weight: 400;\">, allowing for customization to suit your nonprofit\u2019s needs.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">One of the greatest benefits of the Bloomerang Payments system is its industry-leading fraud management and protection. Fraud management is included in the system, so nonprofits aren\u2019t charged extra for this service. Bloomerang Payments is PCI-compliant, and we prioritize donor data protection.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here are a few additional features that make Bloomerang Payments a top option for nonprofits:<\/span><\/p>\n<ul>\n<li>Instant approval<\/li>\n<li>Ability to process one-time and recurring gifts<\/li>\n<li>Automatic card updates<\/li>\n<li>Real-time payout information<\/li>\n<li>Automatic updates of outdated card information<\/li>\n<li>Daily deposits<\/li>\n<li>Mobile app compatibility<\/li>\n<li>Industry-leading PCI compliance and fraud monitoring<\/li>\n<li>Simple setup with expert support<\/li>\n<li>Seamless donor data collection with a native Bloomerang CRM integration<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">In addition, <\/span><a href=\"https:\/\/bloomerang.com\/blog\/introducing-bloomerang-tap-to-pay\/\"><b>tap-to-pay<\/b><\/a><span style=\"font-weight: 400;\"> is an exciting new feature within Bloomerang Payments. With this functionality, donors can tap their credit card, Apple Pay, or Google Pay digital wallet onto a mobile device and have their gift processed through the Bloomerang mobile app. Tap-to-pay creates a speedy in-person donation process and doesn\u2019t require any specialized card readers.<\/span><\/p>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-105790\" src=\"\/wp-content\/uploads\/2023\/11\/nonprofit-credit-card-processing_tap.png\" alt=\"Bloomerang\u2019s Tap-to-Pay feature is shown processing a mobile donation.\" width=\"1060\" height=\"426\" srcset=\"https:\/\/bloomerang.com\/wp-content\/uploads\/2023\/11\/nonprofit-credit-card-processing_tap.png 1060w, https:\/\/bloomerang.com\/wp-content\/uploads\/2023\/11\/nonprofit-credit-card-processing_tap-768x309.png 768w\" sizes=\"(max-width: 1060px) 100vw, 1060px\" \/><\/p>\n<p><strong>Additional Payment Methods Accepted:<\/strong> <span style=\"font-weight: 400;\">Google Pay, Apple Pay, debit, credit, ACH, in-person donations<\/span><\/p>\n<p><strong>Payout Timeline:<\/strong> <span style=\"font-weight: 400;\">Bloomerang Payments provides flexible payout schedules that your organization can fully control<\/span><\/p>\n<p><strong>Pricing:<\/strong> <span style=\"font-weight: 400;\">\u00a0A processing fee starting at 2.0% + $0.30 per transaction. <\/span><\/p>\n<p><a href=\"\/learn\/demo-live\/\"><img decoding=\"async\" class=\"aligncenter wp-image-132459 size-full\" src=\"https:\/\/bloomerang.com\/wp-content\/uploads\/2025\/05\/Nonprofit-Credit-Card-Processing-Banner-CTA3.png\" alt=\"Bloomerang Payments offers the secure payment system you need to build donor trust. Schedule a demo here.\" width=\"1570\" height=\"440\" srcset=\"https:\/\/bloomerang.com\/wp-content\/uploads\/2025\/05\/Nonprofit-Credit-Card-Processing-Banner-CTA3.png 1570w, https:\/\/bloomerang.com\/wp-content\/uploads\/2025\/05\/Nonprofit-Credit-Card-Processing-Banner-CTA3-768x215.png 768w, https:\/\/bloomerang.com\/wp-content\/uploads\/2025\/05\/Nonprofit-Credit-Card-Processing-Banner-CTA3-1536x430.png 1536w\" sizes=\"(max-width: 1570px) 100vw, 1570px\" \/><\/a><\/p>\n<h3>2. <a href=\"https:\/\/stripe.com\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Stripe<\/a><\/h3>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-105791\" src=\"\/wp-content\/uploads\/2023\/11\/nonprofit-credit-card-processing_stripe.png\" alt=\"Screenshot of the Stripe homepage, a nonprofit credit card payment processing option\" width=\"1582\" height=\"832\" srcset=\"https:\/\/bloomerang.com\/wp-content\/uploads\/2023\/11\/nonprofit-credit-card-processing_stripe.png 1582w, https:\/\/bloomerang.com\/wp-content\/uploads\/2023\/11\/nonprofit-credit-card-processing_stripe-768x404.png 768w, https:\/\/bloomerang.com\/wp-content\/uploads\/2023\/11\/nonprofit-credit-card-processing_stripe-1536x808.png 1536w, https:\/\/bloomerang.com\/wp-content\/uploads\/2023\/11\/nonprofit-credit-card-processing_stripe-1568x825.png 1568w\" sizes=\"(max-width: 1582px) 100vw, 1582px\" \/><\/p>\n<p><strong>Tool for: <\/strong>Nonprofits looking to easily accept global payments and access instant payouts if needed.<\/p>\n<p><strong>Top Features:\u00a0<\/strong><\/p>\n<ul>\n<li>Access to over 100 payment methods<\/li>\n<li>Global reach<\/li>\n<li>Machine-learning optimizations that help mitigate fraud<\/li>\n<\/ul>\n<p><strong>Payment Methods: <\/strong>Credit\/debit cards, Apple Pay, Afterpay, PayPal, Google Pay, and many more<\/p>\n<p><strong>Payout Timeline: <\/strong>Daily automatic<\/p>\n<p><strong>Pricing: <\/strong>Nonprofit rate of 2.2% + $0.30 transaction fee per transaction after application and approval<\/p>\n<h3>3. <a href=\"https:\/\/squareup.com\/us\/en\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Square<\/a><\/h3>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-105792\" src=\"https:\/\/bloomerang.com\/wp-content\/uploads\/2023\/11\/nonprofit-credit-card-processing_square.png\" alt=\"Screenshot of the Square homepage, a payment processing option for nonprofits\" width=\"1479\" height=\"634\" srcset=\"https:\/\/bloomerang.com\/wp-content\/uploads\/2023\/11\/nonprofit-credit-card-processing_square.png 1479w, https:\/\/bloomerang.com\/wp-content\/uploads\/2023\/11\/nonprofit-credit-card-processing_square-768x329.png 768w\" sizes=\"(max-width: 1479px) 100vw, 1479px\" \/><\/p>\n<p><strong>Tool for: <\/strong>Nonprofits looking to manage point of sale and online transactions.<\/p>\n<p><strong>Top Features:\u00a0<\/strong><\/p>\n<ul>\n<li>Square Reader to accept payments on a tablet or smartphone<\/li>\n<li>Automatic sorting of donors into a segmented directory<\/li>\n<li>Square Analytics to access real-time reports and track fundraising progress<\/li>\n<\/ul>\n<p><strong>Payment Methods<\/strong>: Cash, checks, ACH bank transfers, credit\/debit cards, swipe or chip cards, and contactless NFC payments like Apple Pay and Google Pay.<\/p>\n<p><strong>Payout Timeline: <\/strong>1-2 business days<\/p>\n<p><strong>Pricing:<\/strong> 2.9% + 30\u00a2 per transaction<\/p>\n<h3>4. <a href=\"https:\/\/www.paypal.com\/us\/non-profit\/fundraising\/fundraising-online\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">PayPal<\/a><\/h3>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-105793\" src=\"\/wp-content\/uploads\/2023\/11\/nonprofit-credit-card-processing_paypal.png\" alt=\"Example of a donation page built by PayPal, a nonprofit credit card processing option\" width=\"469\" height=\"775\" \/><\/p>\n<p><strong>Tool for: <\/strong>Nonprofits looking for a payment processor that prioritizes digital conversions.<\/p>\n<p><strong>Top Features:\u00a0<\/strong><\/p>\n<ul>\n<li>Ability to add a donate button directly to your nonprofit\u2019s website<\/li>\n<li>Use invoicing tools to collect pledged donations<\/li>\n<li>Ability to build a custom donation flow with PayPal Payments Pro<\/li>\n<\/ul>\n<p><strong>Payment Methods:<\/strong> Major credit cards, debit cards, PayPal, and Venmo<\/p>\n<p><strong>Payout Timeline: <\/strong>Two to three business days<\/p>\n<p><strong>Pricing: <\/strong>Discounted rate for charities of 2.89% and a fixed fee<\/p>\n<h3>5. <a href=\"https:\/\/www.authorize.net\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Authorize.Net<\/a><\/h3>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-105794\" src=\"\/wp-content\/uploads\/2023\/11\/nonprofit-credit-card-processing_authorize.png\" alt=\"Screenshot of the Authorize.Net homepage, a payment processing option for nonprofits\" width=\"1863\" height=\"810\" srcset=\"https:\/\/bloomerang.com\/wp-content\/uploads\/2023\/11\/nonprofit-credit-card-processing_authorize.png 1863w, https:\/\/bloomerang.com\/wp-content\/uploads\/2023\/11\/nonprofit-credit-card-processing_authorize-768x334.png 768w, https:\/\/bloomerang.com\/wp-content\/uploads\/2023\/11\/nonprofit-credit-card-processing_authorize-1536x668.png 1536w, https:\/\/bloomerang.com\/wp-content\/uploads\/2023\/11\/nonprofit-credit-card-processing_authorize-1568x682.png 1568w\" sizes=\"(max-width: 1863px) 100vw, 1863px\" \/><\/p>\n<p><strong>Tool for: <\/strong>Nonprofits looking for a wide variety of payment types to offer donors, from eCommerce to eCheck, point of sale, mobile payments, and more.<\/p>\n<p><strong>Top Features:\u00a0<\/strong><\/p>\n<ul>\n<li>Automatic, monthly credit card updates<\/li>\n<li>Store credit card information to simplify repeat donations<\/li>\n<li>Digital invoicing to receive payments faster<\/li>\n<\/ul>\n<p><strong>Payment Methods: <\/strong>Credit\/debit cards, PayPal, Apple Pay, eCheck<\/p>\n<p><strong>Payout Timeline: <\/strong>2-3 business days<\/p>\n<p><strong>Pricing: <\/strong>Monthly gateway is $25 with a 2.9% and $0.30 transaction fee<\/p>\n<h3>6. <a href=\"https:\/\/www.clover.com\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Clover<\/a><\/h3>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-105795\" src=\"\/wp-content\/uploads\/2023\/11\/nonprofit-credit-card-processing_clover.png\" alt=\"Example of Clover\u2019s POS system\" width=\"1060\" height=\"946\" srcset=\"https:\/\/bloomerang.com\/wp-content\/uploads\/2023\/11\/nonprofit-credit-card-processing_clover.png 1060w, https:\/\/bloomerang.com\/wp-content\/uploads\/2023\/11\/nonprofit-credit-card-processing_clover-768x685.png 768w\" sizes=\"(max-width: 1060px) 100vw, 1060px\" \/><\/p>\n<p><strong>Tool for: <\/strong>Nonprofits looking to accept donations via multiple giving methods, including POS, mobile, and desktop<\/p>\n<p><strong>Top Features:\u00a0<\/strong><\/p>\n<ul>\n<li>Keep donor data secure with point-to-point encryption, tokenization, and EMV<\/li>\n<li>Customized integrations to suit your nonprofit\u2019s needs<\/li>\n<li>Access to integration help and growth support<\/li>\n<\/ul>\n<p><strong>Payment Methods: <\/strong>Cash, checks, credit cards, debit cards, Apple Pay, Google Pay, Samsung Pay<\/p>\n<p><strong>Payout Timeline: <\/strong>1-3 business days<\/p>\n<p><strong>Pricing:<\/strong> Rates start at 2.3% + $0.10 per transaction<\/p>\n<h3>7. <a href=\"https:\/\/www.keela.co\/solutions\/nonprofit-payment-processing\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">KeelaPay<\/a><\/h3>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-105798\" src=\"\/wp-content\/uploads\/2023\/11\/nonprofit-credit-card-processing_keela.png\" alt=\"Representation of Keela\u2019s native integration between their payment processing system and their donor management system\" width=\"768\" height=\"511\" \/><\/p>\n<p><strong>Tool for: <\/strong>Nonprofits looking for a payment processing system that integrates with the Keela CRM and fundraising tools.<\/p>\n<p><strong>Top Features:\u00a0<\/strong><\/p>\n<ul>\n<li>In-house support contained in one service<\/li>\n<li>Level 1 <a href=\"https:\/\/www.pcisecuritystandards.org\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">PCI DSS<\/a> compliance<\/li>\n<li>Native integration with the Keela donor management system<\/li>\n<\/ul>\n<p><strong>Payment Methods: <\/strong>Visa, Mastercard, American Express, ACH<\/p>\n<p><strong>Payout Timeline: <\/strong>Customizable disbursements; payments can be withdrawn nightly, weekly, or monthly.<\/p>\n<p><strong>Pricing: <\/strong>Uses Stripe and PayPal to process donations; transaction fees of 2.2% + $0.30<\/p>\n<h3>8. <a href=\"https:\/\/dharmamerchantservices.com\/industries\/nonprofits\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Dharma Merchant Services<\/a><\/h3>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-105799\" src=\"\/wp-content\/uploads\/2023\/11\/nonprofit-credit-card-payment-processing_dharma.png\" alt=\"Screenshot of the Dharma Merchant Services homepage, a nonprofit credit card processing option\" width=\"1735\" height=\"661\" srcset=\"https:\/\/bloomerang.com\/wp-content\/uploads\/2023\/11\/nonprofit-credit-card-payment-processing_dharma.png 1735w, https:\/\/bloomerang.com\/wp-content\/uploads\/2023\/11\/nonprofit-credit-card-payment-processing_dharma-768x293.png 768w, https:\/\/bloomerang.com\/wp-content\/uploads\/2023\/11\/nonprofit-credit-card-payment-processing_dharma-1536x585.png 1536w, https:\/\/bloomerang.com\/wp-content\/uploads\/2023\/11\/nonprofit-credit-card-payment-processing_dharma-1568x597.png 1568w\" sizes=\"(max-width: 1735px) 100vw, 1735px\" \/><\/p>\n<p><strong>Tool for: <\/strong>Nonprofits looking to simplify payments while keeping costs low.<\/p>\n<p><strong>Top Features:\u00a0<\/strong><\/p>\n<ul>\n<li>eCommerce integration<\/li>\n<li>Option to add a donate button to your website<\/li>\n<li>No cancellation fees<\/li>\n<\/ul>\n<p><strong>Payment Methods: <\/strong>Credit cards<\/p>\n<p><strong>Payout Timeline: <\/strong>2 business days<\/p>\n<p><strong>Pricing:<\/strong> $15 per month fee, processing fees of 0.10% + $0.08 for storefront payments, and 0.10% + $0.11 for virtual payments<\/p>\n<\/div>\n<div id=\"choose\">\n<h2>How to choose the right nonprofit payment platform<\/h2>\n<p><span style=\"font-weight: 400;\">How can you determine which of these payment processors is right for your nonprofit? Follow these steps to narrow down your top options and choose the best system for long-term growth.<\/span><\/p>\n<h3>1. Consider your nonprofit\u2019s size.<\/h3>\n<p><span style=\"font-weight: 400;\">Often, choosing the right payment processor comes down to your nonprofit\u2019s size. That\u2019s because some fee structures work better for different-sized organizations. Here\u2019s a breakdown of the structures that work best for large and small nonprofits:<\/span><\/p>\n<ul>\n<li><strong>Large nonprofits with more transactions:<\/strong> <span style=\"font-weight: 400;\">Some payment options offer lower fees for higher donation volumes, which can be helpful for larger organizations that process more gifts.<\/span><\/li>\n<li><strong>Small nonprofit with fewer transactions:<\/strong> <span style=\"font-weight: 400;\">A pay-as-you-go or flat-rate model works best for these organizations. These fee types are more predictable and cost-effective.<\/span><\/li>\n<\/ul>\n<p>Carefully assess your nonprofit\u2019s needs and compare fee structures to find the right fit for your fundraising efforts.<\/p>\n<h3>2. Assess integration needs.<\/h3>\n<p><span style=\"font-weight: 400;\">Leveraging a payment processor that <\/span><a href=\"https:\/\/bloomerang.com\/integrations\/\"><b>integrates with your other software solutions<\/b><\/a><span style=\"font-weight: 400;\"> makes it easier to gather donor data and use it in future transactions. Plus, when your payment processor is visually similar to your online donation form and branded to your organization, you can reassure donors that they\u2019re giving to the right organization.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Search for a payment processor that integrates with software tools like your:<\/span><\/p>\n<ul>\n<li><a href=\"\/blog\/nonprofit-crm\/\">Nonprofit CRM<\/a><\/li>\n<li><a href=\"https:\/\/kindful.com\/blog\/free-nonprofit-software\/\" target=\"_blank\" rel=\"noopener\">Fundraising software<\/a><\/li>\n<li>Accounting software<\/li>\n<\/ul>\n<p>These integrations will ensure seamless, secure data transfers and simplify your fundraising process.<\/p>\n<p><a href=\"\/guide\/buyers-guide-to-donor-management-software\/\"><img decoding=\"async\" class=\"aligncenter wp-image-132460 size-full\" src=\"https:\/\/bloomerang.com\/wp-content\/uploads\/2025\/05\/Nonprofit-Credit-Card-Processing-Banner-CTA2.png\" alt=\"Optimize your fundraising efforts with a donor management system and built-in payment processor. Download the donor management software buyer\u2019s guide here.\" width=\"1570\" height=\"702\" srcset=\"https:\/\/bloomerang.com\/wp-content\/uploads\/2025\/05\/Nonprofit-Credit-Card-Processing-Banner-CTA2.png 1570w, https:\/\/bloomerang.com\/wp-content\/uploads\/2025\/05\/Nonprofit-Credit-Card-Processing-Banner-CTA2-768x343.png 768w, https:\/\/bloomerang.com\/wp-content\/uploads\/2025\/05\/Nonprofit-Credit-Card-Processing-Banner-CTA2-1536x687.png 1536w\" sizes=\"(max-width: 1570px) 100vw, 1570px\" \/><\/a><\/p>\n<h3>3. Fundraising features for nonprofit payment processors.<\/h3>\n<p><span style=\"font-weight: 400;\">Your payment processor can do much more than just manage financial transactions. Advanced systems, especially those built specifically for nonprofits, offer additional features to increase revenue and improve the payment experience. Look for features such as:<\/span><\/p>\n<ul>\n<li><strong>Recurring gifts.<\/strong> <span style=\"font-weight: 400;\">\u00a0Your payment processor should be able to accept both one-time and <\/span><a href=\"https:\/\/bloomerang.com\/blog\/monthly-giving\/\"><b>recurring donations<\/b><\/a><span style=\"font-weight: 400;\">. Donors should be able to turn their gift into a recurring payment with the click of a button.<\/span><\/li>\n<li><strong>Mobile-friendly interface.<\/strong> <a href=\"https:\/\/doublethedonation.com\/nonprofit-fundraising-statistics\/\"><b>57% of nonprofit website traffic<\/b><\/a><span style=\"font-weight: 400;\"> comes from mobile devices. Look for a mobile-friendly payment processor that facilitates simple transactions on both mobile and desktop devices.<\/span><\/li>\n<li><strong>Online and in-person payments.<\/strong> <span style=\"font-weight: 400;\">Your payment processing platform should offer digital and in-person donation processing functionality. This ensures that you can easily gather donations during in-person experiences, like fundraising events.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Determine whether these features are built into the platform or if they\u2019re available for an additional fee.<\/span><\/p>\n<h3>4. Seek out security credentials.<\/h3>\n<p><span style=\"font-weight: 400;\">A secure payment process is critical to keep donor information safe and stored securely, build trust, and inspire repeat donations. Make sure the payment process you choose offers security measures like:<\/span><\/p>\n<ul>\n<li><strong>PCI-compliance. <span style=\"font-weight: 400;\">This means the payment tool complies with regulations set by the Payment Card Industry Security Standards Council. Requirements include installing a firewall system, encrypting data, protecting against malware, and following other security regulations.<\/span><\/strong><\/li>\n<li><strong>Fraud monitoring tools. <\/strong> <span style=\"font-weight: 400;\">Your payment processor should leverage fraud monitoring tools to catch and evaluate suspicious activity. This includes machine learning algorithms that scan for unusual patterns and tools that verify that the donors\u2019 CVV code and billing address match the information provided by their bank.<\/span><\/li>\n<li><strong>Regular software updates. <\/strong> <span style=\"font-weight: 400;\">Check the <\/span><a href=\"https:\/\/bloomerang.com\/change-log\/\"><b>changelog<\/b><\/a><span style=\"font-weight: 400;\"> for your top option to ensure the platform receives regular security updates and fixes. This includes minor bug fixes as well as larger core updates that keep the system fresh and reliable.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Request a demo for each of your top options and ask each representative to walk through their system\u2019s security credentials. Ask plenty of questions to make sure you feel comfortable with your final choice.<\/span><\/p>\n<h3>5. Assess the level of customer support.<\/h3>\n<p><span style=\"font-weight: 400;\">Your payment processing platform should offer access to an experienced support team that can answer your questions promptly. This is necessary to quickly address and resolve any payment issues and maintain donor satisfaction and trust.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The support team should be available via live chat, phone, or email and provide a wide variety of support services to handle different needs. For example, <\/span><a href=\"https:\/\/bloomerang.com\/experience\/\"><b>Bloomerang\u2019s support team<\/b><\/a><span style=\"font-weight: 400;\"> provides implementation and onboarding support, coaching, and consulting services based on the level of support you require.<\/span><\/p>\n<h3>6. Read reviews of nonprofit payment processors.<\/h3>\n<p><span style=\"font-weight: 400;\">Use third-party software review aggregators to get insight from real customers. Search for your top payment processing options on platforms like <\/span><a href=\"https:\/\/www.g2.com\/\"><b>G2<\/b><\/a><span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/www.capterra.com\/\"><b>Capterra<\/b><\/a><span style=\"font-weight: 400;\">. These resources will provide an unbiased look at each payment processor and insights into what customers like or dislike about the systems.<\/span><\/p>\n<h3>7. Consider generational giving preferences.<\/h3>\n<p>Offering a variety of payment methods beyond credit card processing is essential to appealing to different generational preferences.<\/p>\n<p>According to <a href=\"https:\/\/www.nptechforgood.com\/2023\/08\/04\/6-generations-of-giving-who-gives-the-most-and-how-they-prefer-to-give\/\" target=\"_blank\" rel=\"noopener\">Nonprofit Tech for Good<\/a>, these are the preferred giving methods of each generation:<\/p>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-132461 size-full\" src=\"https:\/\/bloomerang.com\/wp-content\/uploads\/2025\/05\/Nonprofit-Credit-Card-Processing-Giving-Preferences-copy.png\" alt=\"Chart explaining generational giving preferences (explained in the text below)\u00a0\" width=\"1500\" height=\"752\" srcset=\"https:\/\/bloomerang.com\/wp-content\/uploads\/2025\/05\/Nonprofit-Credit-Card-Processing-Giving-Preferences-copy.png 1500w, https:\/\/bloomerang.com\/wp-content\/uploads\/2025\/05\/Nonprofit-Credit-Card-Processing-Giving-Preferences-copy-768x385.png 768w\" sizes=\"(max-width: 1500px) 100vw, 1500px\" \/><\/p>\n<\/div>\n<ul>\n<li><strong>Silent Generation (1925-1945):<\/strong> Prefer communicating and donating via direct mail and phone calls<\/li>\n<li><strong>Baby Boomers (1946-1964) and Gen X (1965-1980): <\/strong>Prefer communicating via calls, text, email, or social media and giving online<\/li>\n<li><strong>Millennials (1980-1996) and Gen Z (1997-2012):<\/strong> Prefer communicating via text and social media and donating online<\/li>\n<\/ul>\n<p>Offering in-person, direct mail, and online payment methods is important to connect with all generations. When determining what payment processor to invest in, find a solution that aligns with your supporters\u2019 preferences.<\/p>\n<h3>8. Choose a solution with your team\u2019s input.<\/h3>\n<p><span style=\"font-weight: 400;\">Consult with your nonprofit\u2019s fundraising team to gather their input and make your final payment processing decision. Gathering feedback from fundraising team members will help you choose a platform that works best for your unique donor base. Plus, they\u2019ll be able to provide insight into which options work best based on your donors\u2019 demographics and giving preferences.<\/span><\/p>\n<\/div>\n<h2>Additional nonprofit credit card processing resources<\/h2>\n<p><span style=\"font-weight: 400;\">Careful research is required to find the right credit card processing option that will support your nonprofit\u2019s long-term goals. If you need more support to find the right choice and understand how payment processing works in a fundraising context, start with these additional resources:<\/span><\/p>\n<ul>\n<li><strong><a href=\"\/blog\/online-fundraising\/\">19 Incredibly Easy Online Fundraising Ideas and Expert Tips<\/a>.<\/strong> An effective payment processor will power your nonprofit\u2019s online campaigns. Build well-rounded online fundraising initiatives with tips from this resource.<\/li>\n<li><strong><a href=\"\/blog\/donation-page\/\">How to Set Up A Nonprofit Donation Page: 30+ Best Practices<\/a>.<\/strong> Your nonprofit\u2019s online donation page should leverage a robust payment processor. Learn more about key features that will optimize your giving form<span style=\"font-weight: 400;\">.<\/span><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Leveraging a secure payment solution throughout the donation process strengthens donor trust and provides supporters with a convenient payment method. Credit card payments are donors\u2019 preferred giving methods\u201463% of donors prefer to give online with a credit or debit card, followed by direct mail (16%), PayPal (10%), wire transfer (5%), cash (4%), digital wallet (1%), [&hellip;]<\/p>\n","protected":false},"author":355,"featured_media":128229,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[1],"tags":[],"cause":[],"article_author":[],"webinar_host":[],"topic":[418,345],"class_list":["post-105787","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","topic-payments","topic-software"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>8 Best Nonprofit Credit Card Processing Options in 2026<\/title>\n<meta name=\"description\" content=\"Discover top nonprofit credit card processing solutions for 2026. 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