Credit card payment processing is more expensive than ACH processing, though the rates vary depending on your processor and the donor's card type.
There are two fee structures your payment processor might use: flat fee and interchange plus.
Under a flat fee structure, your payment processor charges a single processing fee per month, with no additional costs—no surprises for your business or your customers!
An interchange plus structure, however, is somewhat more complicated. Under this pricing model, your business would be subject to a flat rate as well as a transaction fee, i.e. 2.1% + $.30 per transaction.
In addition to processor and transaction fees, you or your nonprofit customers may also be subject to chargeback fees, which occur whenever a supporter disputes a transaction or wants to reverse a donation for whatever reason.