Ecommerce Credit Card Processing for non-profits

What are the best choices for accepting credit cards for online payments for non profit organizations? Google Checkout, Paypal Payments, and traditional merchant accounts cost analysis, plus all in one donation form with integrated payment solutions.

Paypal costs for 501c(3) non-profits

1.9% +$.30 per transaction for organizations with over $100,000 monthly volume
2.2% +$.30 per transaction for organizations with less than $100,000 monthly volume.
3.9% + $0.30 USD Transaction Fees for Cross-Border Payments – United States

Google Checkout costs for 501c(3) non-profits

Google Grants recipients are eligible to process donations for free until 2010 (need to buy Google AdWords)
Others pay these standard fees:

google checkout non-profit rates

Google checkout vs Paypal for non-profits:

It depends on the size of your organization. If you can only choose one, Paypal would be better due to wider acceptance.

Payment processing costs when included with online donation form generator:

Some web sites specialize in providing an all in one solution for non-profits to collect cash donations, create auction sign ups, or create event registrations.  The theory is you collect more money than you would normally (usually true), so it offsets any higher costs you may pay for the service which ranges from free to $29.95 per month and up plus other fees.

Merchant Services provider costs ie traditional merchant account and internet gateway

These numbers are going to be all over the place. So how can you tell if  you are getting a good deal?
A typical average is 3% effective rate for online credit card processing. This rate varies by target audience and many factors, and can be lower, but generally should not be higher. Non-profit merchant accounts with >3% credit card processing effective rates usually have hidden information, few details, or poor price plan.

View the entire presentation including pros & cons and actual examples of what to look for on your merchant statement. Recommendations are valid whether you have an ecommerce store, online donation form, recurring donor payments, event or one time donation.

Ecommerce Credit Card Processing for non-profits (PDF download)