Greater Giving Overview

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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
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Products & Services Offered

  • Debit and credit card processing
  • Event planning
  • Auction solutions
  • Donor management
  • “Donate Now” buttons
  • Web hosting

Types of Businesses Served

  • Non-profit
  • Auction

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Greater Giving Rates, Fees, and Costs

Key Points

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

Multi-Year Contract

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.

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Response from Greater Giving

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Greater Giving Complaints & Customer Reviews

Key Points

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.

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Response from Greater Giving

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Greater Giving BBB Rating Summary

Key Points - BBB

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

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Response from Greater Giving

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Truth In Marketing & Advertising

Key Points

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.

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Response from Greater Giving

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Greater Giving Marketing Example

Greater Giving Logo

Our Opinion of Greater Giving

A Solid Option for Non-Profit Organizations

Greater Giving rates as a solid donor management solution for nonprofits. The company’s contract terms do not appear to be especially competitive for the industry, but it is also not showing any public complaints related to its pricing or sales tactics. It appears that most Greater Giving users are satisfied with their service, but NPOs are advised to compare the company’s pricing to that offered by top-rated merchant services providers in order to get the best deal.

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4 Reviews Leave Your Review for Greater Giving Below

  1. Joe Reems says:

    We have been locked into a contract with these people for five years, just throwing money away each year. We don’t even use their product because it is terrible and it takes FOREVER to set up! Also the reporting features are worthless. The person who signed us up for this thing was actually fired, so that should give you an indication of how we feel about Greater Giving.

  2. Patty Weston says:

    Completely agree with UtahRed. I only use Greater Giving to set up web pages for events (others in our organization handle the data functions) and I find it very NOT user-friendly. There are separate screens where you can manipulate the look and fields of your web page, but the HTML-based settings you made in the “back-end” will override the other changes. Meaning you set up your page on the ‘front-end’ interface, it all looks good, you go in to the ‘back end’ to make a slight change to say, the receipt wording, and wham–your artwork o the web page just disappeared or your categories are now out of order. Why have it so changes can be made in two different screens, if making changes on one end can affect the other without seeing what you changed? The customer service reps are friendly and they seem readily available (no wait times), but they’ve clearly been trained to never concede how badly designed the interface is for web page building.

  3. UtahRed says:

    You haven’t located one negative review about Greater Giving? Well here is one. I’ve been using Greater Giving for over six months and I can’t wait to get rid of it. Many issues: reports don’t add up, you can’t add or delete fields, you can’t add your own field names or instructions. The website building module is a nightmare with all sort of hoops you have to jump through to get the page looking the way you want. I don’t like the way the pages look in the end anyway – very immature design. You don’t have control over the ugly black footer bar with their logo. It’s slow. Editing your contacts is so much more labor intensive than it needs to be. And it’s expensive.

    Good part: Great customer service with quick response.

  4. since the last invoice we received we have being trying to cancel our terminal but it is imposible to get anyone who can give the right information to do this this company is a disgrace run by muppets who have no idea what there doing.all they want to do is to charge large amounts of money and nothing in return dick turpin wore a mask you are a disgrace one month on and still not cancelled and yet more large bills come through even when the terminal is not being used sort it out or we will be taking legal action

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