Below, please find two scenarios where fees are assessed because a mistake was made: example 1 where not enough funds are in the donors account to cover the donation and example 2 where enough funds are present. A third example is also offered, where the donor disputes the charge.

Example 1:

A donor attempts to make a gift of $100 and mistakenly enters $1000 (which they do not have in their bank account); who pays the fees?

• With a Card payment method, the transaction would decline and no fees would be assessed.
• With an ACH, this would cause an ACH Return (since we fund the money to the church the next day, and the money never came out of the donor's account, we would debit the funded money from the church), otherwise, the church would still pay the per-item fee, and be assessed a $5.00 charge.

Example 2:

A donor attempts to make a gift of $100 and mistakenly enters $1000 (which they have in their bank account), who pays the fees?

• With a Card payment method or with the ACH payment method:
  If the church calls support on the same day as the donation, the transaction can be canceled so it does not go through and no fees are assessed.  If this does not happen, then the transaction would go through, but the church would have the ability to refund the donation.  When a refund is issued, the donor is notified via email.
  • When a refund is issued, the church is charged the per item and not the percent processing fee for the original donation.
    
    

Example 3:

A donor makes a donation, then later goes to their bank to dispute the transaction, who pays the fees?

• A $25.00 "chargeback" fee is assessed the church.

**Effective October 1st, 2021 you’ll see a $5 fee per ACH Return and $25 fee per Chargeback. These will only be assessed per occurrence. You’ll see this change reflected in November 2021 billing for October’s activity and onward.