Blackbaud Merchant Services Review

Blackbaud Overview

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Payment Processing for Non-Profits

Blackbaud ( is a software and merchant account provider that specializes in solutions for nonprofit organizations. Founded in 1981, the company has grown from a simple computerized billing service into one of the largest all-in-one solutions available for charities. Blackbaud utilizes Chase Paymentech, Wells Fargo, and First Data Canada for its backend processing

Blackbaud Location and Ownership

Blackbaud is headquartered at 2000 Daniel Island Dr, Charleston, South Carolina 29492. The company’s payment processing service is called Blackbaud Merchant Services and will be the primary focus of this review. Michael Gianoni is listed as the president and CEO of Blackbaud.

Blackbaud Merchant Services Review Table of Contents

  • Costs & Contract: Blackbaud offers a month-to-month merchant account contract with no early termination fee.
  • Complaints & Service: Blackbaud has received fewer than 10 public complaints.
  • BBB Rating: Blackbaud has an “A+” rating with the Better Business Bureau and has received six complaints in the past three years.
  • Sales & Marketing: Blackbaud does not appear to hire independent sales agents and has received very few complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With Blackbaud

Blackbaud Statement Analyzer

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Products & Services Offered

  • Debit and credit card processing
  • Mobile payment acceptance
  • Recurring billing
  • Donor management
  • Salesforce integration
  • Accounting software

Types of Businesses Served

  • Non-profit

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Blackbaud Rates, Fees, and Costs

Key Points

Swiped Rate 2.598% + $0.26
Keyed-in Rate 2.598% + $0.26
Early Termination Fee None
PCI Compliance Fee None
Equipment Lease Terms Variable

Blackbaud Pricing

Blackbaud Merchant Services charges a flat fee of 2.598% plus $0.26 for all card transactions, regardless of the card brand or method of acceptance. The company advertises that there are no other monthly minimum fees, annual fees, setup fees, gateway fees, PCI compliance fees, or long-term contracts. Blackbaud’s promotional materials do not directly address whether the company charges an early termination fee, but a company representative has stated in the comment section of this review that users are free to cancel service without facing any termination penalties. This is also confirmed in the company’s contract terms and conditions (available below).

Affordable But Somewhat Restrictive

Blackbaud’s flat per-transaction rate alone is not especially competitive for the industry, as it is equivalent to most mid-qualified or non-qualified transactions. However, the fact that the company charges no other fees whatsoever for its processing service makes it an affordable option overall for most organizations. The overwhelming drawback cited by Blackbaud reviewers is the company’s rigid insistence on keeping organizations within its suite of software solutions, which limits charities’ ability to competitively shop for third-party donor relationship management, web hosting, analytics, marketing, and so on. For this reason, organizations will want to be sure that they are interested in all relevant Blackbaud software options before signing up for Blackbaud’s payment processing solution. Non-profits should also explore options offered by cheaper merchant account providers for the most competitive rates. See the Blackbaud Terms& Conditions.

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Response from Blackbaud

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Blackbaud Complaints & Customer Reviews

Key Points

Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint N/A

Low Complaint Volume

We are able to locate only a handful of negative Blackbaud reviews, none of which accuse the company of being a ripoff or a scam. One very detailed negative review states that while Blackbaud is a very robust solution with many useful features and a strong sales staff, it is ultimately overpriced for the value it delivers and it also comes with a steep learning curve. This review is representative of most positive and negative Blackbaud reviews, with the consensus being that Blackbaud is a reliable all-in-one solution for moderately sized-to-large non-profit organizations. Very small charities or very large charities may find themselves frustrated with a lack of third-party support or expensive add-on features.

Blackbaud Support Options

Blackbaud offers a dedicated support phone number and chat support on its website, which appear to offer service levels comparable to top-rated credit card processors for customer service.

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Response from Blackbaud

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Blackbaud BBB Rating Summary

Key Points - BBB

Product & Service Complaints 0
Billing & Collection Complaints 4
Advertising & Sales Complaints 2
Guarantee & Warranty Complaints 0
Delivery Complaints 0

Under 10 Complaints

The Better Business Bureau currently assigns an “A+” rating to Blackbaud and does not show that the company is accredited. Blackbaud’s BBB profile has received six complaints in the past three years, four of which were related to billing or collection issues and two that had to do with an advertising or sales problem. One complaint was fully resolved, while the other five either were resolved to the dissatisfaction of the merchant or did not receive a final response from the merchant.

An “A” Rating

In light of this information, we agree with the BBB’s rating at this time, but merchants should be aware that there is cause to be skeptical of the BBB’s information.

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Response from Blackbaud

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Truth In Marketing & Advertising

Key Points

Employs Independent Resellers No
Advertises Deceptive Rates No
Discloses All Important Terms No

No Sales Complaints

Since Blackbaud Merchant Services is an optional service within the Blackbaud suite of products, it is primarily marketed to interested or prospective Blackbaud customers. This means that the company does not utilize independent sales agents or engage in “hiring mill” policies that typically plague the credit card processing industry. As a result, we have found no Blackbaud complaints that accuse the company’s sales staff of misrepresentation or nondisclosure.

No Deceptive Advertising

The Blackbaud website does not disclose the pricing of many of its products and services, but it also does not promote any deceptive rates or fees. We will therefore award it an “A” in this category for the time being. If you suspect that Blackbaud is overcharging you, we recommend seeking a third-party statement audit to find and eliminate hidden fees.

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Response from Blackbaud

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Blackbaud Marketing Example

Blackbaud Logo

Our Opinion of Blackbaud

A Good Choice for Non-Profits

Blackbaud appears to be a solid merchant services provider according to all available information. The company has received positive feedback from medium-to-large nonprofits for its wide variety of features and customizable solutions, but it has rigid and fairly expensive pricing that may not appeal to smaller nonprofits or very large organizations. We will continue to monitor feedback about the company to determine whether its grade will improve or worsen, but for now it is a reliable payment processor for established nonprofits.

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Thank you for reading my review. I hope that it has helped you with your research.

My Qualifications

I'm a former credit card processing sales director who left the industry to start my own a small business. From the time that I starting working in the merchant services industry to when I left to write about it, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this insider knowledge to myself, so decided to build this website to help you research which providers to use and how to save money on rates and fees. I've reviewed hundreds of companies, read thousands of user reviews, and learned the pricing tricks of every provider. If you have questions about credit card processing, you can find the answers here. Simply scroll to the top of the page to find the search bar. You can also message me if you need any guidance.

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1 Review Leave Your Review for Blackbaud Below

  1. Phillip:

    Thank you very much for your review of Blackbaud Merchant Services. As the Payment Business product marketing manager, I wanted to reach out and let you know that we don’t charge an early termination fee. Clients can come and go as they wish without penalty.

    Please don’t hesitate to let me know if you have any questions or if there’s any other information that you need.

    Best regards,

    Kendra DeWitt
    Product Marketing Manager, Payment Business
    Blackbaud, Inc.
    [email protected] |

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