A Nonprofit merchant account from a bank that knows your category

Roots Payments places nonprofits operating in California with acquiring banks and processors that knowingly underwrite charitable donations, so the account is built to last instead of flagged after the first review. We work with virtually any legal business, subject to underwriting; pricing, limits, and terms depend on the acquirer's review. Reserves may apply, and any reserve is disclosed in your agreement before you sign.
Talk to an advocacy organization payments specialistAll nonprofits operating in california solutions
Free 30-minute consultation. Review your setup, compare options and leave with clear next steps.

Payment solutions for nonprofits operating in california

How each solution supports nonprofits operating in california

See what each option adds to the way your business takes and tracks payments.

High-Risk Merchant Account

For nonprofits operating in california: Present your model for campaign contributions and advocacy purchases to specialist processing partners, with product and fulfillment documentation prepared. Roots Payments places nonprofits operating in California with acquiring banks and processors that knowingly underwrite charitable donations, so the account is built to last instead of flagged after the first review. We work with virtually any legal business, subject to underwriting; pricing, limits, and terms depend on the acquirer's review. Reserves may apply, and any reserve is disclosed in your agreement before you sign.
  • Pre-underwriting review of your website, checkout, and documents (California Attorney General charity registration and 501(c)(3) status)
  • Application packaged and submitted only to acquirers with appetite for your category
  • Plain-English walkthrough of pricing, reserve, and termination terms before you sign

E-commerce Payments

For nonprofits operating in california: Add online checkout for campaign contributions and advocacy purchases, with order references carried through payment and fulfillment. Roots connects your store to a gateway and acquirer that approve your category, with fraud screening and 3-D Secure configured for card-not-present risk.
  • Check that your cart platform's own acceptable-use policy allows your products
  • Gateway setup, fraud-rule tuning, and test transactions before launch
  • Checkout disclosure review (refunds, shipping, age or eligibility limits)
Explore this solution

Recurring Billing

For nonprofits operating in california: Schedule and manage payments for recurring campaign contributions and advocacy memberships, including renewals and customer account balances. Recurring charges are a leading dispute source for nonprofits operating in California when customers forget or can't cancel. Roots sets up billing with express consent capture, renewal reminders, simple online cancellation, and account-updater services, in line with ROSCA and state automatic-renewal laws.
  • Review of offer terms and checkout disclosures against ROSCA and state automatic-renewal laws
  • Billing platform setup and gateway integration
  • Descriptor and receipt design that customers recognize
Explore this solution

Mobile Payments

For nonprofits operating in california: Collect payments for campaign contributions and advocacy purchases away from a fixed counter, with transactions recorded against the sale or job. Nonprofits operating in California often take payment away from a counter. Roots sets up mobile readers and tap-to-pay on phones, tied to a merchant account approved for your category, so field payments are not processed through an app whose terms exclude you.
  • Device selection and setup
  • Field staff training
  • Receipt and evidence templates for disputes
Explore this solution

ACH Payments

For nonprofits operating in california: Offer bank-account payments for campaign contributions and advocacy purchases, with authorization and invoice matching built into the workflow. Bank payments give nonprofits operating in California a lower-cost option for larger tickets and a backup if card processing is reviewed. ACH has its own risk rules, including return-rate limits under Nacha, so it is underwritten separately.
  • ACH underwriting alongside your card account
  • Authorization language and receipt templates
  • Integration into invoices, checkout, or your CRM
Explore this solution
✓

Transfer initiated

$435.00 · ref ACH-7731

High-Risk Merchant Account questions

Questions advocacy organization merchants ask about approval.
We review the business model, products, website and processing history, then initiate the application with a suitable processing partner.
Bring ownership details, licenses, recent processing statements and clear fulfillment and refund policies. We organize the application around your specific business.
Bring your products, licenses, processing statements and fulfillment policies. Roots uses these details to plan the workflow for nonprofits operating in california and prepare a clear setup scope.
Request a quote for your business and the setup you need. We review the scope and costs with you before you proceed. Consultations and payment reviews are free.

Ready to talk it through?

Book a free 30-minute review. We’ll map your setup, explain the options and work through clear next steps.
Talk to an advocacy organization payments specialistAll nonprofits operating in california solutions