During the last months, we’ve been busy integrating different payment providers. We could gain very valuable experiences.
Using integrated payment gateways, you can instantly accept credit cards and other payment methods all over the world. All it needs from your side is to set up an account with your favourite provider, then add your ID-code into your Campaignion installation, and that’s it!
With Campaignion you'll be able to accept payments via:
- Direct Debit
- RSM 2000
- Sage Pay
About the different payment options
Direct debit means withdrawing funds from another person's bank account. These kind of transactions are not possible in every country and usually there are different restrictions in every country. However, SEPA allows for Euro-denominated cross-border (and domestic) direct debits within the EU. In the US direct debits are processed through the Automated Clearing House network (ACH). More about this topic here: http://en.wikipedia.org/wiki/Direct_debit
Using our drag and drop form builder, you choose which data to capture and how the donor interacts with you. For Direct Debit you can easily set up pretty forms, asking for all information relevant to your organisation and then import the data into your fundraising database. You can capture data for recurring payments as well as one-off donations. You can download (or automatically pull out) the data captured and process it with your fundraising database or your bank. In Germany you can use ELV (Elektronisches Lastschriftverfahren) via Paymill, in the UK we have implemented a number of changes to the Direct Debit forms.
Paymill allows you to accept credit and debit card payments in 34 European countries. In general, you can accept payments from supporters located anywhere in the world, however it is always in the same currency. Recurring payments are possible, no merchant account needed. What's great about Paymill is that the user never really sees the payment processor. It all happens in the background, yet the payment data never touchers your server (which means you don't have to take care of the secure storage of credit card details).
Important to know: For organisations with low turnover, we've experienced some issues signing them up to Paymill.
Who doesn’t know it: PayPal, available in at least 26 currencies and 203 countries. Recurring payments are possible, but not so easy to handle and it seems it does not work in every country. Campaignion currently supports the "redirect" to PayPal for single one-off donations if you have a merchant acocunt.
Important to know: The ECF practitioners mailinglist has seen long discussions about problems with PayPal. If you’d like to know more, please contact us.
Non profits in the UK are able to accept direct debit payments with the payment provider RSM 2000. Recurring payments are possible. You can either choose to download the direct debit data captured and hand them over to RSM2000, or you can use the redirect to their donation form.
Important to know: Our current implementation will take you to an external page to finish the donation for direct debit.
Non profits in the UK, Ireland, Germany and Spain are able to accept payments with the payment provider Sage Pay. 25+ currencies are supported, but you need a merchant account (a special kind of bank account used only to hold funds received from credit and debit card transactions).
Important to know: Recurring payments are possible with Sage Pay but not yet implemented in our integration. However, if you’re interested we can talk about possibilities to make this happen! ;)
Important to know #2: Our current Sage Pay integration sends you to an external page, however SagePay offers a fairly simple way to style their pages, so the user hardly notices the difference.
With Stripe, you can accept payments from almost any credit card and debit card, no matter where your supporter lives. In order to accept payments with Stripe, however, you must be based in one of these countries: Australia, Canada, Ireland, United Kingdom, United States. But don’t worry, that’s not all. Stripe is available in open beta for Belgium, Denmark, Finland, France, Germany, Luxembourg, The Netherlands, Norway, Spain, and Sweden and as open private beta for Austria, Italy and Switzerland.
Recurring payments are possible, no merchant account needed.
Stripe also offers a great user experience. With Campaignion the payment processor is fully integrated into the forms, like Paymill, so the user never sees the external provider.
Stripe is often recommended, for example in this blogpost: http://frontier.io/blog/use-stripe-online-donations/
Which one to choose?
Before choosing a payment processor, identify your exact requirements (payment method per country) and then dig through the sheets of the most interesting ones. There is no single payment processor to rule them all. This would save a lot of hassle.
Here is a blogpost we can recommend, about how to choose a provider.
Global payment processing
Either because your organisation is based in different countries or you “only” have supporters outside of your home country, accepting payments from more than one country helps you to maximise the opportunity for your supporters to donate. However, dealing with multiple currencies in multiple countries can be a nightmare.
At the same time, you want to make the payment process as smooth as possible for your supporters and also for your staff.
Campaignion offers a way to donate that is easy to use and easy to understand.
If the payment provider allows us to do so, the payment process is fully integrated into the website and your supporters will never leave your page. With these providers you will see much higher completion rates because your donors are not confused by landing on an external payment page.
Otherwise we'll do our utmost best to make the user journey as smooth as possible, even if the users are led to an external page. We try to make Campaignion work out of the box to avoid your donors thinking: “Oh my, where am I? Cancel, cancel!”. The clearer the steps your supporters have to take to donate, the more donations you will receive.
Using GEO-IP, Campaignion tracks from which country your supporter comes from. Using this information users can also be redirected to the appropriate language and the "local" version of your donation forms. Campaignion lets you choose specific payment providers and a specific currency for every country, saving you tons of work. All you have to do is translate a donation page to the country specific version, pick the payment processor and you are good to go.
In some installations we have more than 30 different payment methods for 8 different countries. Using Action templates the process of picking the right local version is automated, all you have to do is translate.
Are there any hidden costs to use Campaignion?
We try to make our work and the costs we charge as transparent as possible. What you should definitly calculate with is:
- Campaignion setup & hosting
- the monthly costs due depending on your payment provider (paid directly to the payment provider)
- maybe some development costs if you want a special customization of Campaignion to your organisation’s donation pages
Do you have good / bad experiences to share?
Campaignion is growing with each day and new payment providers are constantly being added. In case you have had a great experience with a payment provider, please feel free to tell us. We’d love to hear your expertise and suggestions!