Cover the card processing fee

Christian.com takes no platform fee on gifts. The only thing withheld is Stripe's card processing cost, 2.9% of the charge plus 30¢. If you tick the box to cover it, that cost is added to your charge and the organization receives your full gift.

Turn it on or off

1. On /give, click Give on the organization.
2. Choose the frequency and amount.
3. The box Cover card processing so [organization] receives the full [amount] is ticked by default. Leave it ticked to cover the fee, or untick it.
4. The Give button updates to show exactly what your card will be charged.

With the giving assistant, say whether you want to cover card processing when you set up the gift.

The exact math

If you cover it, your charge is worked out so that, after processing, the organization gets exactly your gift:

charge = (gift + $0.30) ÷ (1 − 0.029), rounded up to the next cent

| Your gift | You're charged | The organization receives | |---|---|---| | $25.00 | $26.06 | $25.00 | | $50.00 | $51.81 | $50.00 | | $100.00 | $103.30 | $100.00 | | $250.00 | $257.78 | $250.00 |

If you don't cover it, you're charged your gift, and processing (2.9% of the gift, rounded to the cent, plus 30¢) comes out of it:

| Your gift | You're charged | Processing | The organization receives | |---|---|---|---| | $25.00 | $25.00 | $1.03 | $23.97 | | $50.00 | $50.00 | $1.75 | $48.25 | | $100.00 | $100.00 | $3.20 | $96.80 |

Why isn't it simply 2.9% + 30¢ of your gift? Because the processing cost is charged on the total, including the part you add to cover it. Dividing by (1 − 0.029) accounts for that.

Recurring gifts

The same choice applies to every charge of a recurring gift. If you change the amount later, the covered total is worked out again for the new amount.

Good to know

• Your giving history and yearly statement show the gift amount, not the extra you added to cover processing.
• Gifts are paid by card only, and the rate above is the US card rate.
• A small number of organizations are NetworkOS partners and pay a flat 49¢ per gift under their own agreement. That comes out of the organization's side; it's never added to what you pay, and covering processing doesn't include it.