Save Money with Fee Coverage

To reduce the cost of online fundraising, use one of our fee coverage options in your online forms:

  • Donor cover — Donors cover the processing fee for eligible transactions so that 100% of their payment goes directly to you. We automatically calculate the fee and add it to the gift amount. The full amount is tax-deductible.

  • Complete Cover™ — Blackbaud pays the fee for eligible transactions up to $3,000, which eliminates your processing fee. In exchange, we ask the donor to give toward Blackbaud’s service optionally. With Complete Cover enabled on your forms, even if a donor decides not to contribute extra, processing is always free to your organization. This amount is not tax-deductible.

    Note: To assume responsibility for all related fees and hide the option for donors to contribute toward operating costs, on your forms, select My organization pays. For more information about the costs, see Blackbaud Merchant Services Processing Fees.

To process payments with fee coverage, you must have a Blackbaud Merchant Services account. If you don't have an account, here's how to get started.

About donor cover

Products that support donor cover

  • Blackbaud Raiser’s Edge NXT®

  • Blackbaud eTapestry®

  • Blackbaud CRM (through Online Giving)

  • Blackbaud Altru (through Online Giving)

  • Blackbaud Luminate Online

About Complete Cover

Products that support Complete Cover

  • Raiser’s Edge NXT

  • eTapestry

  • Blackbaud CRM (through Online Giving)

  • Altru (through Online Giving)

    Note: Complete Cover isn't currently supported by the SKY Payments API.

Online forms that support Complete Cover

Note: Currently, we don’t support customizing the default settings for Complete Cover.

Several factors determine whether a transaction qualifies for donor cover or Complete Cover:

  • Type of online form

  • Type of gift (one-time or recurring)

  • Type of payment

  • Amount of the transaction

Learn about transaction eligibility for your product:

Note: You can refund transactions made with Complete Cover through the Blackbaud Merchant Services Web Portal. However, to ensure accurate totals in reports, you should only process refunds through the web portal if your Blackbaud application doesn't support refunds.

In the Blackbaud Merchant Services Web Portal, you can create a list that displays individual transactions with the associated fee amount and coverage. You can filter by fee coverage type or add fee coverage columns to existing lists.

Note: Complete Cover doesn’t display the amount the donor gives with their transaction. The amount doesn’t appear in any reporting.

Filter a list by fee coverage type

  1. From Transactions, Transaction lists, select an existing list or build a new one.

  2. Select Filter.

  3. Select Fee coverage and your desired option.

    Tip: To filter by transactions that used Complete Cover, select Blackbaud paid.

  4. Select Apply filters.

Add fee coverage columns to an existing list

  1. From Transactions, Transaction lists, select an existing list or build a new one.

  2. Select Columns and then Blackbaud paid fees or Donor covered fees.

  3. Select Apply changes.

  4. Save your changes. If desired, export and download the list.

Tip: From Reports, Transaction totals, you can download the Transaction totals report. Under Fee, view the charges for each transaction.

Online Giving

Under Summary, Saved in process fees, you can view the amount saved across all your forms. For more information, in Online Giving Help, see Fee Coverage.

Raiser's Edge NXT

On the gift’s record, you can view the coverage for each one-time and recurring transaction. For more information, in Raiser’s Edge NXT Help, see Fee Coverage.

eTapestry

You can view, report on, and create queries on transactions with fees covered. For more information, in eTapestry Help, see Blackbaud Payment Processing Fees.

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