Who covers the credit card fees?

By default, the organization covers the credit card fees. For example, if a donor gives you $100, you would receive $96.80 ($100 less 2.9% + $0.30). That said, most donors choose to cover the credit card cost so that you can receive 100% of their donation. In practice, this means the donor would actually increase their contribution to ~$103, the net of the 2.9%+ $0.30 fee, and you would receive the original, intended, donation amount.

The good news is that 95% of donors cover these credit card transaction costs, which leads to an effective credit card rate of 0.28%!