Running a non-profit organization or registered charity is no easy feat.

To ensure the organization can provide as much as possible to those in need, the business must streamline as many expenses as possible.

Accepting cash only donations might seem like an easy way to cut the cost of credit card processing from the business, but it would most likely reduce the number of donations the organization receives. Being able to accept credit cards and online donations makes it easier and more convenient for individuals to donate. 

Luckily, there are solutions that help reduce the amount non-profits pay for credit card processing services. If your non-profit is listed as a registered charity with the CRA (Canada Revenue Agency), then you qualify for lower processing rates. We offer low credit card processing rates to all charities; Interchange+ 0.10% and 10 cents per transaction. Combined with Visa and MasterCard special charity interchange rates, your average credit card acceptance cost can be as low as 1.35%+ and 10 cents.

Online Donations

Today, many fundraising campaigns include an online component. If your non-profit is looking to accept online payments, then the organization will need a credit card processor to provide an online payment gateway and add a ‘donate’ button to your website. Helcim Commerce makes it easy to add payment pages or use the Helcim.js technology to create your websites donate button and encourage online donations as part of your fundraising campaign. There is no need to worry about protecting donor information and credit card details, Helcim’s online gateway and card vault protects their information for you.

In-Person or On-the-Phone

Helcim is here to support your business whether you are accepting payments online, in person or on the phone. For non-profit merchants looking to accept payments over the phone, they can easily add an online terminal to their business. Once you have the online terminal, all you need to do is take the credit card information from the donor and type it into the terminal. You’ll automatically know if the payment is authorized, and with 1-2-day deposits, there’s no more waiting for cheques to clear. There are also wireless terminals, or the Helcim mobile card reader, that allow you to accept payments on the go, and in-person.

Recurring Donations

Finally, if your non-profit has clients who have set up recurring monthly donations, we have a subscription management system that simplifies the process of setting up monthly payments. The recurring payment manager will allow the organization to track how many donors are currently contributing monthly, automate the payment reminders and notices, and flag if a donor’s credit card may be expiring soon.

There are multiple benefits to using Helcim as your merchant services provider if you’re a non-profit or registered charity. We are proud to currently work with several registered charities across the country, most notably UNICEF. If your organization is looking to accept credit card payments, then we are here to help.

Qualifying for the Canadian Charity Credit Card Processing Rate:

If your organization is a registered charity with the CRA, then you can qualify for lower credit card processing rates thanks to Visa and Mastercard’s special interchange rate category for charities:

Card Brand

Card Type

July 2018

Visa

Swipe or Keyed Consumer

1.170 %

Visa

Swipe or Keyed Infinite

1.360 %

Visa

Swipe or Keyed Infinite Privilege

2.140 %

Visa

Swipe or Keyed Corporate

1.990 %

MasterCard

Swipe or Keyed Consumer

1.233 %

MasterCard

Swipe or Keyed High-Spend

1.483 %

MasterCard

Swipe or Keyed Premium High-Spend

1.733 %

MasterCard

Swipe or Keyed Corporate

2.233 %