In order to accept donations utilizing a debit or charge card you will require a payment gateway. Because there are a lot of alternatives for you to pick from, it’s important to recognize the differences between the different payment gateways, in order to be able to choose between them.
Ease of Integration
Keep in mind that any payment gateway provider you are considering must integrate with your giving kiosk software. Many popular payment gateways are already integrated into professional software out the box. So it is smart to check with your software provider before you choose your payment gateway.
Recognition and Reputation
You may want to consider how well known a particular payment gateway provider is among your members. Most people will be familiar with PayPal, some will be familiar with Amazon Payments, Authorize.net, Stripe, and Google Checkout, and fewer may be familiar with some of the other services. Ultimately users want to be ensured that their personal data is securely being collected and sent across the Internet.
You may wish to consider whether a payment gateway service allows you to include your branding on the payment page. This will give your givers an additional level of comfort when they are sent to another site to complete a transaction. Also consider if the payment gateway provides a way to accept cards directly on your website.
The very first point you are most likely to consider is the fees for processing a payment. The majority have some mix of a regular monthly cost, plus a per transaction fee that may be a flat charge plus a percentage, or only a percentage charge. The charges spent for payment processing are a contemporary expense of doing business.
Quickness of Payment
Finally, consider the stated practices of each payment gateway service for depositing payment into your bank account. Look for providers that have a very fast turnaround time, and do a little web research to see if other businesses have experienced any problems with receiving payment, or with charge backs from customers.
PayPal and Stripe are two secure payment gateways that are great for churches. One of the big benefits is that they don’t have minimum transaction requirements. Use the information below t0 help you decide which would be best for your church.
|PayPal Pro (for verified 501(c)(3))||Stripe|
|Transaction Fees (U.S.)||2.2% + 30¢||2.9% + 30¢|
|Support||Phone & Email|
Stripe processes billions of dollars of payments for small and large companies across the world. When using Stripe fees are only applied when someone makes a donation. There is no monthly fees, setup fees, or minimum fees. Stripe does not offer discounts to non-profits. The fee is the same for all card types. Stripe is great for a church that wants to get started with no upfront fees. Stripe is pre-integrated to seamlessly work with the Simple Church Kiosk Giving App.
PayPal Payments Pro gives you everything you need to securely accept credit cards, debit cards, and PayPal on your website. It offers complete customization over your customers’ checkout process and an Internet merchant account from PayPal.
PayPal Payments Pro is ideal for churches that want complete control over the checkout experience. PayPal Payments Pro requires credit approval (2-3 business days). By providing proof of your 501(c)(3) status your church will receive a discounted rate. It’s pre-integrated to work with the Simple Church Kiosk Giving App.