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A processing fee is the amount it costs to process or facilitate a gift. The players involved include the issuing bank, the networks, the processor, and the giving platform. The majority fee is the amount charged by the bank that issued the card.

Percentage fees (2.99% for credit/debit or 1% for ACH/eCheck)
Per transaction costs ($.45 per gift)

We have the option for givers to cover processing fees. This means that givers like you have the option to increase your gift by an amount equal to the fees the church would otherwise pay. When giving, check "Cover the Processing Fees" to cover any fees associated with your gift. This results in your church realizing the full amount of the intended gift. Ultimately, whether you decide to deduct the fees as a donation on your tax returns is your option.

No, you won't be charged any extra amount on your gift amount. The fees will be deducted from your gift amount. However, you can select to cover the processing fees.

If a giver wants to give $20, their total amount would depend on the chosen payment method (calculations shown below):

Credit/Debit total amount = $21.08

ACH/eCheck total amount = $20.66

Credit/Debit

Determine the fee amount on the net gift.
(($20 * .0299) + .45) = $1.048

Assess the percentage fees on the net gift fee amount ($1.048 above).
$1.048 / (1-.0299) = $1.08

This represents the total fees applied.

Add total fees to the net gift amount.
$1.08 + $20 = $21.08 (credit/debit total amount)

ACH/eCheck

Determine the fee amount on the net gift.
(($20 * .01) + .45) = $0.65

Assess the percentage fees on the net gift fee amount ($0.65 above).
$0.65 / (1-.01) = $0.66

This represents the total fees applied.

Add total fees to the net gift amount.
$0.66 + $20 = $20.66 (credit/debit total amount)