Greater Giving Overview
Payment Processing for Non-Profits
Greater Giving is a merchant account subsidiary of Global Payments that is specifically dedicated to debit and credit card processing solutions for nonprofits. Founded in 2002 under the name Auctionpay, Inc, the company grew rapidly until 2009, when it was acquired by Global Payments and rebranded as Greater Giving.
Greater Giving Location and Ownership
Global Payments is a registered ISO/MSP of Wells Fargo Bank, N.A., and of BMO Harris Bank, N.A. Greater Giving is headquartered at 1920 NE Stucki Ave #140, Hillsboro, OR. Jeff Jetton is the founder and Chief Strategy Officer of Greater Giving.
Greater Giving Review Table of Contents
- Costs & Contract: Greater Giving appears to offer a one- to five-year contract with a liquidated damages-style early termination fee.
- Complaints & Service: Greater Giving has received fewer than 10 public complaints.
- BBB Rating: Greater Giving has an “A+” rating with the Better Business Bureau and has received 0 complaints in the past 3 years.
- Sales & Marketing: Greater Giving appears to hire independent sales agents but has not received any complaints about its sales practices.
- Rates & Fees: How Merchants Got The Best Rates With Greater Giving
Products & Services Offered
- Debit and credit card processing
- Event planning
- Auction solutions
- Donor management
- “Donate Now” buttons
- Web hosting
Types of Businesses Served
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Greater Giving Rates, Fees, and Costs
|Swiped Rate||1.75% or 2.25%|
|Keyed-in Rate||3.45% + $0.35|
|Early Termination Fee||Liquidated Damages|
|PCI Compliance Fee||None|
|Equipment Lease Terms||Undisclosed|
No Contract Disclosure
There is very little up-to-date information regarding the standard Greater Giving contract, and the company’s website does not divulge any specific pricing details about its online payment platform. However, a 2010 post on an auction-oriented forum does provide some insight into Auctionpay’s contract terms around that time. These terms may have been exclusive to auction-style businesses or even to the single merchant who posted them, but they do provide some insight into the company’s standard pricing at one time. According to the information in this post, the company’s pricing was as follows:
Complete Event Suite $2,595 – 1-Year Term = $1,295 & 5-Year Term = $795
Event Payments $395 – 1-Year Term = $395 & 5-Year Term = $0
Event Software $1,195 – 1-Year Term = $295 & 5-Year Term = $295
Online Edition Add-on $595 – 1-Year Term = $595 & 5-Year Term = $595
Online Payments $695 – 1-Year Term = $695 & 5-Year Term = $295
Virtual Terminal Only $195 – 1-Year Term = $195 & 5-Year Term = $0
An Event Service Fee also applied to in-person payments collected at fundraising events:
B2.1 The Service Fee for the Auctionpay Event Payments service is based on the total of Approved Event Charges processed through Auctionpay Event Payments services for each Event. Service Fees for the Auctionpay Event Payments services are deducted from the proceeds of your Event Charges.
Total Approved Event Charges for Each Event Service Fee Number of Terminals Included
Less than $25,000 – $495 fee Up to 3 terminals
$25,000 – $99,999 1.99% Up to 4
$100,000 – $199,999 1.60% Up to 6
$200,000 – $299,999 1.30% Up to 6
$300,000 – $399,999 1.10% As needed
$400,000 and above 0.90% As needed
AuctionPay 2010 Per-Transaction Rates
Under that contract, the following credit card processing fees applied to Greater Giving users:
B3.1 All approved Event Charges will be subject to the following pass-through fee to cover the cost of processing the transactions, in addition to the Service Fees listed above. Pass-through fees are deducted from the proceeds of your Event Charges.
Type of Credit Card Event Payments
Visa, MasterCard or Discover 1.75%
American Express 2.25%
B4.1 All approved Online Charges processed through the Auctionpay Online Payments services will be subject to the following processing fees. Processing fees for Auctionpay Online Payments services are deducted from the proceeds of your Online Charges.
Type of Credit Card Processing Fee
Visa, MasterCard, Discover or American Express 3.45% plus $0.35 per transaction
In addition, the Greater Giving contract terms referenced in the link above outline an automatically renewing one-year or five-year agreement with a Liquidated Damages early termination fee equal to the remaining annual costs multiplied by the number of years left in the contract. Neither the per-transaction fees nor the other one-time fees in this document are competitive for the industry; in fact, their combined costs could potentially exceed those of nearly every known processor. One complaint found in the comment section below this review confirms that the company offers five-year contracts, which is as long as contracts get in the credit card processing industry.
Few Contract Complaints
Given the lack of current details about Greater Giving’s pricing, we will only lower the company’s grade to a “C” at this time. It should also be noted that there are only a few publicly available complaints that mention excessive fees charged by Greater Giving. Despite this, it seems unlikely that Greater Giving’s pricing is competitive with that offered by the cheapest merchant account providers.Are you happy with your Greater Giving fees? Tell us about them before your go!
Greater Giving Complaints & Customer Reviews
|Total Online Complaints||<10|
|Live Customer Support||Yes|
|Most Common Complaint||N/A|
Low Complaint Total
There are only a few negative Greater Giving reviews to be found across non-BBB consumer protection forums, most of which are listed in the comment section of this review. Complainants mention limited functionality and general overcharges, but the company’s customer support receives praise for its availability. Another slightly negative comment about the company can be found in the forum where its contract terms (above) were posted. There is also a negative review posted by a former employee, but this particular complaint appears to have little relevance to a nonprofit organization’s potential experience with the company.
Greater Giving Lawsuits
We have not found any outstanding class-action lawsuits or FTC complaints filed against Greater Giving. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.
Greater Giving Customer Support Options
Greater Giving offers phone support, email support, and user guides on its website. These channels are fairly comprehensive and could help Greater Giving’s support department compete with the top-rated payment processors for great customer service.
Greater Giving BBB Rating Summary
Key Points - BBB
|Product & Service Complaints||0|
|Billing & Collection Complaints||0|
|Advertising & Sales Complaints||0|
|Guarantee & Warranty Complaints||0|
Clean Complaint Record
Greater Giving currently has an “A+” rating with the Better Business Bureau and is not showing BBB accreditation. The company’s profile has 0 complaints in the past 36 months. It has also not received any informal reviews, although it should be noted that these reviews are not always subject to verification by the BBB.
An “A” Performance
In light of the company’s clean complaint record, we agree with the BBB’s rating. Merchants should be aware, however, that there are reasons to be skeptical of the BBB’s rating system.
Truth In Marketing & Advertising
|Employs Independent Resellers||No|
|Advertises Deceptive Rates||No|
|Discloses All Important Terms||No|
Inside/Outside Sales Approach
Greater Giving appears to make use of the Global Payments advertising and marketing network in order to acquire new merchants. This means that the company’s sales strategy could include anything from web advertising to independent sales agents. At this time, we are unable to locate any complaints about Greater Giving that allege misrepresentation or nondisclosure by the company’s sales team. This indicates that the company does not suffer from the sales issues that plague its parent company, Global Payments, from time to time.
No Deceptive Rates
Additionally, the Greater Giving website does not list any “teaser” rates or unrealistic promotions. A 14-day free trial of the service is available for prospective customers who want to explore its potential impact of their business. We therefore award it an “A” rating in this category. If you suspect that Greater Giving is sneaking hidden fees into your monthly bill, you can double-check your pricing with a third-party statement audit.
Greater Giving Marketing Example
About Phillip Parker
Thank you for reading my review. I hope that it has helped you with your research.
Why I'm Qualified to Write About Credit Card Processing and Merchant Account Services
I'm a former credit card processing sales director who left the industry because I didn't like how it takes advantage of small business owners. It feeds like a leech on businesses and thrives by imposing fees that are nearly impossible to comprehend. Seeing a need for change, I left and built this website help business owners better understand the industry, research merchant services providers, and get refunds of excessive merchant account fees. My experience of working "behind the curtain" in the industry, and using that knowledge for good, has resulted in millions of dollars returned to hard-working small business owners as well as enterprise-level companies.
From the time that I starting working in the merchant services industry to when I left to create this website, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this "insider" knowledge to myself. To lift the fog, 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 on this website.