Credit Card Processing For Churches
Easy to use best credit card processing for churches with integration to your favorite POS machines, mobile devices, and more.
Get the tech you need to give your customers what they want and increase employee efficiency.
- Chargeback Mitigation
- Reduce Decline Rates
- 24-48 Hour Funding
- Fast Approval
Accept Church Payments TODAY!
If your merchant account was shut down today and you could no longer accept credit cards, how long could you keep the doors open?
Everyday basic payment facilitators and companies like Stripe, PayPal, Square, Shopify, etc. Shut down thousands of accounts.
It’s not a matter of IF you’ll get shut down, but WHEN…
If your provider held your money for 90 days would you survive?
If they placed a 10% hold on your account, could you make payroll?
It’s time to upgrade to Creditly.
Creditly helped us get access to a payment processor when others could not. They were super helpful and got us up and running faster than expected. Highly recommended!
Joseph Dubois
Co-FounderWe needed access to multiple processors, and Creditly delivered. It's good to know we have a partner that will stand behind us as we grow and expand our locations.
Jody Martinez
SAS & TravelOur high risk business needed help after Stipe held up payments. Creditly got us approved. I'll never go back to using Stripe or PayPal.
Neil Oliver
Ecommerce HealthWhat Other Features Does Creditly Offer?
- Transaction Routing
- White Glove Service
- Decline Recovery
- Chargeback Mitigation
- Hosted Checkout
- Recurring Billing
- Mobile Payments
- 250+ Integrations
- Banking For Every Vertical
- Unlimited High Ticket
With the onset of the Covid pandemic, many churches shifted to an online platform to maintain social distancing while still ministering to their congregations. In addition to this hurting membership, it also hurt giving. If you are in this situation, church credit card processing services can help by creating a way for your congregation to give online. By offering your congregation multiple ways to give their offerings, you can keep the doors open and the video streaming.
Working with a church merchant account provider will prevent fraud, allow congregants to set up recurring payments, and streamline their tax information. By offering digital payment, both in-person and online, you give your members the flexibility to pay as they desire with the peace of mind that they are supporting their church family.
As non-profit organizations, churches have options with Creditly. Diversity in giving options, whether credit card, debit card, or Apple Pay, increases giving potential.
There are also options on your end. Your church can choose to add the transaction fees on to each transaction so that the total amount of each donation goes to your church.
It also pays to understand the different options when it comes to pricing models offered. Knowing how flat rate, tiered pricing, and interchange plus will work with your specific church budget can be the difference between hiring a new youth minister or looking for volunteers.
With Creditly, the options are varied and can be tailored to provide the greatest benefit to your church and your congregation.
CREDIT CARD PROCESSING FOR CHURCHES
A merchant account is a specific type of bank account that allows merchants to accept payments. Typically, a merchant account is used for credit card processing and eCheck processing but can be used for a variety of church payment processing needs. To get a merchant account, one must submit an application with a merchant account provider.
These merchant account providers work with acquiring banks, such as Chase and Wells Fargo, to provide merchant accounts to businesses looking to process credit card payments.
There are multiple types of merchant accounts depending on how the bank categorizes the industry of the merchant. If the merchant account is used for card not present (CNP) or ecommerce transactions then it must be integrated with an online payment gateway. Otherwise, a physical terminal is required to capture payment information.
WHO Creditly WORKS WITH
Creditly works with all kinds of merchants, including, what the banks call, “high risk” merchants. These merchants happen to be in an industry that the banks label as high risk which means that they have a higher likelihood of chargebacks, disputes and fraud. The most common reason for this is card not present transactions which presents a higher risk of fraud. These merchants can have a particularly hard time finding a high risk merchant account because a lot of payment processors refuse to participate in high risk processing. Even if these merchants find a “high risk payment processor” they can still frequently deal with holds or freezes on their money and shut down merchant accounts. This is where Creditly saves the day by finding them a high risk merchant account provider that wants to work with their business and providing them with all the resources to meet their high risk credit card processing needs.
WHAT Creditly PROVIDES: MERCHANT ACCOUNTS
Creditly provides merchant accounts specifically tailored to a merchant’s industry. We do this by leveraging our banking relationships to apply for merchant accounts on your behalf. However, we do not just apply for any merchant account, we use providers who want to work with your business model and underwrite their merchants. This is important because it lays out all the cards on the table and ensures that a provider gets to know who you are and your business model before working with you. That way they know what to expect moving forward. This strategy guarantees that we find a merchant account provider that wants to work with you, making the likelihood of holds, freezes and shut downs, much less and providing a stable credit card processing.
Another benefit to this is you get to avoid the nightmare that applying for merchant accounts can be. Not only do most merchant account providers do very little underwriting, but it can take many applications before you find a merchant account that is good for you. Each application that you send out hurts your chances of getting approved for the next because multiple applications make you look desperate to a provider which they perceive as high risk.
AFTER YOUR MERCHANT ACCOUNT IS SET UP
After we get you set up with your first merchant account, we recommend getting you an additional merchant account if you have over $250,000 in sales volume a year. This is to ensure stable church payment processing. Even though Creditly takes all the precautions to prevent you from experiencing a hold, freeze or shutdown, we can never know how banks might act in the future. If they hire someone new or implement a new algorithm, your account could have action taken against it. In the event of this, if you have a second merchant account that is already up, running and processing payments, you can pivot your revenue stream to this account and avoid holds, freezes, and shut downs all together.
Now all of this may seem complicated and a lot of work, and it would be if you were doing this on your own. However, if you are working with Creditly, we manage all of this for you making your role in all of this very easy. We even assign you your very own Certified Payment Specialist (CPS), who will monitor your merchant accounts for you, giving you one point of contact for all of your merchant processing needs.
HOW TO GET A MERCHANT ACCOUNT
The first step on your path to a new merchant account is starting the Creditly application or if you would rather chat with someone to find out more, call us at (877) 307-7711. We can get you set up in as little as 2 DAYS!
*Hint: This is easier cause we can fill out your application for you!
Choose the right Merchant Account for your business:
THE Creditly EXPERIENCE
At Creditly your journey will begin with your application which we use to collect information about you and your business to match you with the right merchant account provider. From there you will be connected with your very own New Client Specialist (NCS) who will help you complete this application and will be your contact to answer all of your questions.
Once we have the necessary information and have assessed your business model, you will be classified as a Gold, Platinum or Diamond merchant based on your unique payment processing needs. After this you will be introduced to your Certified Payment Specialist (CPS) who will be your one point of contact for all of your payment processing needs. This ensures that when you call, you are talking to someone that you know and who knows you and your business. They will apply for merchant accounts on your behalf and help you set up your new merchant accounts and your online payment gateway.
After that, you will be ready to start accepting payments. Your CPS will monitor your accounts and keep in contact whenever you want to chat or if they need to alert you of something that requires your attention on top of annual merchant account reviews.
How Creditly Can Help Your Business...
or call us at: (877) 307-7711 Get Set-up with a Merchant Account.»
Credit Card Processing For Churches FAQ
Why would a church need credit card processing?
Churches may choose to accept credit card payments for a variety of reasons, such as to make it easier for members to donate or to accept payment for events or services.
Is it difficult to get approved for credit card processing for churches?
Obtaining credit card processing for a church is generally no more difficult than obtaining credit card processing for any other type of business. As long as the church has a well-established organization and can demonstrate a good credit history, it should be able to get approved for a merchant account.
Are there any additional fees associated with credit card processing for churches?
There may be additional fees associated with credit card processing for churches, such as higher processing fees or a higher monthly account fee. It’s important to carefully review the terms and fees of any merchant account before signing up to ensure that you fully understand the costs involved.
Can a church use a regular merchant account for credit card processing?
Yes, a church can use a regular merchant account for credit card processing. However, some merchant account providers may offer specialized services or lower rates for churches, so it’s worth shopping around to find the best deal.
What is the process for setting up credit card processing for a church?
To set up credit card processing for a church, you will need to apply with a merchant account provider and provide documentation about your organization, such as your business license and credit history. The provider will review your application and determine whether to approve you for an account.
TRUST CREDITLY
Merchant Accounts FAQ
If you want to know more about payments, pricing, or solutions to problems you are experiencing, we are always ready to help you.
What industries does Creditly work with?
Creditly specializes in high-risk payment processing, but we also work with mid-risk and low-risk companies.
Here is a short list of some business verticals we service:
- Antiques & Collectibles
- Apparel & Clothing
- Bad Credit
- Bus Lines
- Cannabis Support Businesses
- Caterers
- CBD Oil & CBD Products
- Continuity Products and Subscription Boxes
- Credit Repair
- Credit Monitoring
- Debt Collection
- Digital Streaming
- Document Preparation
- Fantasy Sports
- Firearms & Ammunition
- Furniture & Home Furnishings
- Health & Beauty
- Hotels & Lodging
- Insurance / Warranty
- Legal Services
- Magazine Subscriptions
- Medical Billing & Coding
- Medical Supplies
- Membership & Recurring Billing
- MLM Companies
- Transportation & Moving
- Non-Profit
- Nutraceuticals
- Pawnbrokers & Pawn Shops
- Pet Products
- Precious Metals
- Property Management
- SaaS Companies
- Seminars & Coaching
- SEO / SEM / Ad Agency
- Smoking Accessories
- Sports Betting
- Survivalist & Tactical Gear
- Telemedicine
- Tobacco & Cigar
- Travel & Timeshare
- Vape / e-Cig / eJuice
- Veterinarians
- Web Design & Development
Why is my business considered high risk?
“High Risk” is a banking industry term. It’s important to note that there are many business models that are seemingly low risk, but fall into the high risk category.
There is nothing wrong with being considered high risk and there are many factors that contribute to risk.
When a consumer buys an item with a credit card, they are given 6 months from the date of receiving the item to dispute the charge.
If your business is no longer operating, who do you think has to refund that money? The processor. This is where risk is created.
Certain businesses, marketing models, and industries have a higher rate of chargebacks, where they get labeled as high risk.
Even if your business is perfect, has never had a chargeback, and operates 100% “by the books”, you could be labeled high risk if you’re business or industry falls into a high risk category.
There are 3 main reasons a business can be considered high risk.
- The business has a greater chance of chargebacks occurring
- The business model may be new or legally regulated
- The business accepts a high number of card not present transactions (over the phone, email, eCommerce)
Do you provide merchant account services outside of the USA?
At this time Creditly offers merchant account services for the USA and Canada. We are always working to expand our areas of processing and hope to serve a greater area in the near future.
Can my startup or new business be approved?
We have worked with many new brands and start-ups to get them approved and running. However, banks like to see a long history of transactions and an established history with a merchant before approving them.
But, that does not mean we can’t get you approved. Reach out to us today and we will walk you through your options.
How long does it take to get approved for a merchant account?
Once all of the necessary documents have been received, it typically takes 1-4 days to get approved.
Occasionally accounts can be approved in less than 24 hours, our team will work as quickly as possible to get your account up and running.
