The payment processor we use is called Swipe Away Poverty (S.A.P.) using Continue to Give software. They primarily work with non-profit organizations to charge very low rates so that more money remains with the organization (i.e. our church). The average credit card transaction is 1.59% and the average debit transaction is 0.52%. And, S.A.P. donates 10% of it’s proceeds to Compassion International and 20% of it’s proceeds to PCG.
While nothing is free, we believe that in The Spirit we have found the right partnership that cost as little as possible, provides convenience in online giving, and provide us with excellent accountability and record keeping.