card payment options logo
  • Compare Merchant Services
    • E-Commerce Credit Card Processing
    • Restaurant Point-of-Sale
    • Healthcare Merchant Accounts
    • High-Risk Merchant Services
    • More…
  • Reveal Your Hidden Fees
  • Merchant Account Reviews
Menu
  • Compare Merchant Services
    • E-Commerce Credit Card Processing
    • Restaurant Point-of-Sale
    • Healthcare Merchant Accounts
    • High-Risk Merchant Services
    • More…
  • Reveal Your Hidden Fees
  • Merchant Account Reviews
card payment options logo
  • Compare Merchant Services
    • E-Commerce Credit Card Processing
    • Restaurant Point-of-Sale
    • Healthcare Merchant Accounts
    • High-Risk Merchant Services
    • More…
  • Reveal Your Hidden Fees
  • Merchant Account Reviews
Menu
  • Compare Merchant Services
    • E-Commerce Credit Card Processing
    • Restaurant Point-of-Sale
    • Healthcare Merchant Accounts
    • High-Risk Merchant Services
    • More…
  • Reveal Your Hidden Fees
  • Merchant Account Reviews
Search
Search

Reveal Your Hidden Fees Now

Best Merchant Accounts for Non-Profits

  • Phillip Parker
  • Credit Card Processing
  • February 4, 2022
FTC & Advertising Disclosure

We take great pride in providing one of the only objective an unbiased merchant account review websites on the internet. To support this enormous responsibility we earn some of our revenue through affiliate fees and advertising. These revenues in no way influence our ratings or reviews. Learn more about our monetization policies here. 

Our Top Pick of 2022

helcim logo

Helcim Payments

See Our Helcim Merchant Services Review
  • No Monthly or Annual Fees
  • Super Low Processing Rates
  • POS, Mobile, and Online Payments
View Pricing
Sales & Support:
(888) 506-7812
★ ★ ★ ★ ★

Solid Credit and Debit Card Processing for Non-Profit Organizations

Non-profit organizations occupy a unique position within the credit card processing industry due to their donation-based revenue model. While standard businesses might require features like sales management, inventory, or point-of-sale solutions, non-profits tend to focus on necessities like recurring billing, donor outreach, and event planning. This means that many traditional payment processors that primarily cater to for-profit enterprises may not offer the tools necessary for a non-profit to grow its donor base and keep overhead low.

Generally speaking, there are two paths that a non-profit organization can take once it has chosen to accept credit cards. The first method is to set up payment processing through a traditional merchant account provider and then use integrated third-party solutions like SalesForce, NeonCRM, Exceed! Basic, or QuickBooks for donor management, tax filing, and online advertising. Although this method requires more initial effort and research, it is usually the cheapest option because it allows non-profits to negotiate the most competitive rates for each service and only pay for necessary features.

 

Top Picks for U.S. Merchant Services for Non-Profits

Host Merchant Services Logo

Host Merchant Services

Rating: Excellent | Our Review | Visit Their Website | (888) 727-4538

Host Merchant Services is a Newark, Delaware-based merchant account provider that is a great fit for non-profit organizations. The company’s products and services include point-of-donation solutions, online marketing tools, an online payment gateway and virtual terminal, and mobile credit card processing. Host Merchant Services advertises that its HMS Gives program can help non-profits receive the lowest possible per-transaction rates.

Host Merchant Services Pricing

Host Merchant Services has received only positive feedback on public forums, with most reviewers singling out the company’s customer service for praise. The company offers interchange-plus pricing with no early termination fees to all of its merchants, meaning that users will enjoy the most transparent pricing model and can cancel service without penalty. The BBB gives Host an “A+” rating, and CPO also gives the company an “A+.”

For more information, visit the Host Merchant Services website or call (888) 727-4538.

PaymentCloud Logo

PaymentCloud

Rating: Excellent | Our Review | Visit Their Website | (888) 506-7859

Based in Woodland Hills, California, PaymentCloud is a merchant account provider that specializes in serving retail businesses of nearly any type. This includes “high-risk” retail industries such as CBD and Kratom businesses. The company’s products and services include point-of-sale solutions, mobile phone swipers, an online payment gateway and virtual terminal, EMV-compatible terminals, and merchant cash advances. PaymentCloud provides a dedicated account rep to all new merchants for the life of the account.

Custom Pricing Plans

The company has not received any negative complaints on consumer forums, and it customizes its pricing according to each merchant’s business type and processing history. The BBB does not maintain a profile for PaymentCloud at this time, but CPO gives the company an “A.”

For more information, visit the PaymentCloud website or call (888) 506-7859.

Fattmerchant Logo

Fattmerchant

Rating: Excellent | Our Review | Visit Their Website | (866) 397-9826

Active since early 2014, Fattmerchant is a merchant account provider leading the industry’s move toward flat-rate, subscription-style pricing. The company’s products and services include EMV-compatible countertop terminals, a virtual terminal, an online payment gateway, an online shopping cart, mobile phone processing, QuickBooks integration, online invoicing, and recurring billing. Fattmerchant is capable of serving all standard-risk non-profits and offers free equipment for all accounts.

Fattmerchant Pricing

Fattmerchant offers multiple pricing plans with different rates, but all of its plans charge a fixed monthly fee and a fixed per-transaction dollar amount above interchange. In other words, none of Fattmerchant’s plans charge a percentage-based fee on each transaction, meaning that merchants will not pay more to process a large transaction than they will a small transaction. Fattmerchant currently has an “A” rating on CPO and an “A+” rating with the Better Business Bureau.

For more information, visit the Fattmerchant website, or call (866) 397-9826.

Additional Options

CDG Commerce Logo

CDG Commerce

Rating: Excellent | Our Review | Visit Their Website | (888) 393-1079

CDG Commerce is yet another positively reviewed processor on this list that offers month-to-month contracts, no early termination fee, few complaints, and excellent customer support. Privately owned and operated since 1998, CDG Commerce can provide processing solutions for a non-profit organization’s on-site or online payments.

CDG Commerce offers mobile and in-person card acceptance for the same fixed, low per-transaction rates, and its online processing costs only slightly more. The company provides a payment gateway that enables reporting, recurring billing, and built-in QuickBooks integration, which is essential for most small non-profits that need to stay on top of their accounting.

CDG Commerce provides phone support, live chat support, and email support to all of its organizations. The company currently has an “A+” rating with the BBB and an “A+” rating on CardPaymentOptions.com.

For more information, see the CDG Commerce Website or call (888) 393-1079.

Payline Data Logo

Payline Data

Rating: Excellent | Our Review | Visit Their Website | (888) 506-7812

Payline Data offers interchange-plus pricing with month-to-month contracts, low monthly fees, and no early termination fees. The company has also received general acclaim from reviewers across all consumer protection websites. Payline even has a program dedicated to contributing to non-profit organizations, although it works a little differently than Dharma’s.

Dubbed “Payline Giving,” the service donates 10% of Payline’s revenue from each account to a non-profit organization of the merchant’s choice. Non-profits that utilize Payline as their merchant account provider can designate themselves as the non-profit that receives a donation from Payline, effectively resulting in a 10% discount. Payline also offers a payment gateway that can be integrated with SalesForce for donor management and online promotion.

Founded in 2009, Payline Data maintains its headquarters in Chicago, Illinois. The company offers phone and email support as well as an online help forum and knowledge base for all of its users. Payline Data currently has an “A” rating with the Better Business Bureau (BBB) and an “A+” rating with CardPaymentOptions.com.

Dharma Merchant Services Logo

Dharma Merchant Services

Rating: Excellent | Our Review | Visit Their Website | (888) 404-1237

Dharma Merchant Services takes the number one spot on this list for several reasons. First, it offers transparent interchange-plus pricing to non-profits with month-to-month contracts and no early termination fees. And like other highly rated providers, it has received overwhelmingly positive feedback on user forums. But the company also earns its position through its strong affiliation with the 501(3)(c) community.

Dharma Merchant Services is partnered with over a dozen third-party service providers that specialize in non-profit processing solutions like banking, marketing, and telecommunications. It can also integrate with SalesForce for donor management via its Authorize.net payment gateway. To underscore its commitment to the non-profit community, Dharma donates 50% of its net revenue to handpicked non-profit organizations at the end of each calendar year.

Dharma Merchant Services is based in San Francisco, California, and has been in business since 2007. The company offers phone support and a contact form on its websites for organizations. The Better Business Bureau (BBB) currently provides a rating of “A+” for Dharma Merchant Services, while CardPaymentOptions.com also gives the company an “A+.”

For more information, see the Dharma Merchant Services Website or call (888) 404-1237.

Blackbaud Logo

Blackbaud

Rating: Excellent | Our Review | Visit Their Website | (800) 443-9441

Founded in 1981, Blackbaud is one of the largest and best-known all-around software providers for non-profit organizations. The company offers a massive number of services, including donor management, accounting software, event planning, social media engagement, training, analytics, and payment processing.

Blackbaud offers every service that a non-profit could conceivably need, but its closed software ecosystem is generally more expensive and restrictive than competitive third-party offerings. For this reason, Blackbaud is best suited for medium-to-large non-profits that are willing to pay a little more for the convenience and simplicity of keeping all their solutions with one provider. Smaller organizations may find the overall service package a little too costly or robust for their needs.

Blackbaud is headquartered in Charleston, South Carolina. The company does not have a rating with the BBB but does have an “A” rating on CardPaymentOptions.com.

DonorPerfect Logo

DonorPerfect

Rating: Excellent | Our Review | Visit Their Website | (800) 220-8111

An all-in-one software solution from Softerware, Inc., DonorPerfect provides donor management, membership tracking, integrated payments, QuickBooks syncing, and advanced custom reporting for non-profits. DonorPerfect is partnered with TransFirst as its integrated payment processor.

DonorPerfect is a slightly more affordable service than Blackbaud overall, with various pricing tiers that scale up according to the number of donor accounts a non-profit needs to manage. It also offers some third-party integrations that may help organizations keep costs down. Its payment processing through TransFirst is about average for the industry in terms of cost, but the company does state that it may be possible in some cases for organizations to use a different merchant account provider. Taken as a whole, DonorPerfect is a solid solution for non-profits of most sizes.

Softerware, Inc. is headquartered in Horsham, Pennsylvania and was founded in 1981. The company has an “A+” with the BBB, while DonorPerfect has an “A” with CardPaymentOptions.com.

Fundly Logo

Fundly

Rating: Excellent | Our Review | Visit Their Website

Fundly is an online crowdfunding platform specifically designed for non-profit fundraising. Instead of offering a wide array of long-term organizational software solutions, Fundly provides non-profits with a simple online profile, social integration, and payment acceptance in a similar fashion to Kickstarter or Indiegogo.

Fundly does not charge any monthly or annual fees, but its per-transaction fees are relatively high for the industry. There is no upfront cost to use Fundly, but the service charges roughly 5-7% of a campaign’s earnings depending on volume. This makes it a strong option for young, small, or one-off non-profit initiatives, but not a viable solution for large or growing organizations. Its social share features make it even more optimal for small, close-knit donor communities where a small online presence might provide a clear advantage.

Fundly is headquartered in Palo Alto, California, and was founded in 2009. The company has an “A” with the BBB and an “A” with CardPaymentOptions.com.

phillip-parker-cpo-blue-mobile

Follow Phillip

Linkedin Twitter Instagram Facebook

About The Author

Phillip Parker is a Payments Industry Analyst and creator of this blog, CardPaymentOptions.com. Phillip is passionate about researching merchant service providers and payment industry trends. He is often quoted as an expert source in national publications such as INC Magazine, The Los Angeles Times, Entrepreneur, and many others.

“I started this blog because I was disgusted by the business practices of the merchant services industry. I wanted to empower business owners by providing insight on how to avoid shady merchant account providers and costly credit card processing mistakes.” 

Phillip’s Processor Comparisons

Picking a credit card processor can be a headache, but we’ve made it easy. Phillip recommends comparing the best merchant services providers we’ve researched.

Audit Your Merchant Account

When was the last time you had your rates audited by someone who wasn’t also trying to sell you credit card processing services? We support this website by helping business owners understand how to cut their processing costs, either with a new processor or their current one. Learn more.

QuickBooks Accounting Logo

How To Sync Payments With QuickBooks

The following merchant services providers offer either direct or indirect integration. Providers with direct integration offer solutions like payment gateways, plugins, or APIs that seamlessly transfer your transaction details and payment history from your merchant account to QuickBooks. Providers with indirect integration…

Read more >>>

analyzing data

Before You Switch,
Audit Your Costs

Before you switch processors, audit your current processing costs to ensure that you save the most you can possibly save in fees.

Learn How >>>

Copyright

Copyright © CardPaymentOptions.com, Inc. (Digital Fingerprint: 0d38c6720f0d78a701b74d58653af608). Getting paid to re-write this page? Click here to earn a reward.

Any unauthorized copying and reproduction of the content of this page, including all meta data and computer code, is strictly prohibited. While the information in the above article is believed to be accurate as of its publish date, the author and publisher make no representation or warranties with respect to the accuracy, applicability, fitness, or completeness of the contents. The author and publisher shall in no event be held liable to any party for any direct, indirect, punitive, special, incidental or other consequential damages arising directly or indirectly from any use of this material, which is provided “as is,” and without warranties. Any and all use of trade names and/or marks are for identification purposes only and shall not be construed as a claim of affiliation, or otherwise, with CardPaymentOptions.com, Inc. ("CPO") in any form. The sole purpose of the material presented herein is to alert, educate, and inform readers. It is not intended as legal or financial advice. We may earn revenue if you obtain services from a provider that we recommend. See this page to learn how we support our operations.

  • Merchant Account Reviews
  • How We Assign Ratings
  • Request a Correction
  • Complaint Mediation Programs
  • Press Inquiries
  • Merchant Account Reviews
  • How We Assign Ratings
  • Request a Correction
  • Complaint Mediation Programs
  • Our Policies & TOUs
  • About
  • Contact
Menu
  • Our Policies & TOUs
  • About
  • Contact
Facebook Instagram Twitter Linkedin Reddit
© Copyright 2009 - 2022 CardPaymentOptions.com, Inc. All Rights Reserved.

This website uses cookies to ensure you get the best experience. No personal information is collected unless you fill out a form and submit it or call a number listed on one of our pages. We never share or sell your information without your consent. If you do not wish to proceed, please exit the website at this time.

Accept & CLose