Do I have to have a merchant account?

Yes, you will need a merchant account and payment gateway to use Txt2Give.   It is simply not possible for anyone to accept credit/debit card transactions without one.  If you already have an account that uses one of our supported gateways (shown below), you can simply plug in your existing credentials use your current merchant account.

      If you don't have a supported Merchant account, you will need to establish one with any of the following supported merchant gateways.   We don't force our customers into using a specific one in order to keep a portion of the transaction fees for ourselves, like some companies do.  We let you choose the one that is right for you.

      You can click on the links below to learn more about each of the supported gateways that can be used.  


    Stripe (recommended)

      All-in-one merchant account/payment gateway

      Easiest to setup 

      Can start accepting donations immediately

      Instant account

      No monthly fee

      No contract

      Flat 2.3% + . 30 per donation

      Must create account through our dashboard to receive this discounted transaction rate

      Can create Stripe account right in our dashboard (Setup->Gateways->Stripe)

      First deposit can take up to 7 days, after that it is rolling 2 day deposit time (donations on Monday, deposit on Wednesday; donations on Tuesday, deposit on Thursday, etc


    Authorize.Net

      Payment Gateway only (you will need a separate merchant account)

      $49 setup fee

      $25 per month

      2.9% + . 30 per transaction

      Up to 7 business days to complete account setup

      Daily deposits

      May require a contract


    BluePay

      All-in-one merchant account/payment gateway solution

      3 year contract, automatically renews

      $15 per month

      $295 early termination fee (might waive)

      $129 annual PCI compliance fee

      $30 PCI non-Compliance fee

      2.9% + .30 per transaction 

      more common in Canada


    PayPal Payments Pro (this is not a free account)

      All-in-one merchant account/payment gateway solution

      NOT the same type of account as a free Paypal account or Business account

      MUST be specifically a PayPal Payments Pro account (not Payflow Pro)

      $30 per month

      2.9% + .30 per transaction

      no contract

      up to 5 business days to get account setup

      additional permissions setup required by organization in PayPal Payments Pro account


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