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In order to process a payment, you'll obviously first need to collect the credit card information from the person making the payment and transfer it, either electronically or manually, to a service that can process it.This step can range from writing down the card information and sending it to your bank to typing it into an online system or swiping the card through a specific kind of hardware.If the information gets into the wrong hands, you also risk losing your constituents' trust."Violating the PCI requirements can result in a substantial fine and the loss of your ability to accept credit card payments.
(Note that cyberinsurance will not protect you from data theft.Once the card has been charged, there's one more critical step — receiving the money.The payment processor always deposits the money in a bank account called a "merchant account." Money is then automatically transferred from your merchant account into a bank account your organization controls.For instance, your processor might charge you per month plus 2.2 percent of each transaction — a solid rate for an organization with a high volume of transactions — or a simple 2.8 percent on each transaction with no monthly fee, which might be more appealing if you'll have a low volume of transactions.If you want to take online payments, make sure your merchant account allows them and has the capability to integrate payment processing with your website.
Idealware is a small nonprofit that helps other nonprofits make smart decisions about software. There are many factors to consider before you choose a vendor to handle your processing.