Fee Coverage

Complete Cover™ lets Blackbaud pay the fee for each transaction up to $3,000. In exchange, we ask the supporter to give toward Blackbaud’s service, which eliminates your processing fee. Regardless of whether a donor gives toward our service, your organization doesn't pay processing fees for eligible gifts given through a Complete Cover–enabled form.

Note: You're responsible for paying the fee for each transaction equal to or greater than $3,000 through a Complete Cover-enabled form.

What's eligible:

• When enabled on Standard Forms, Complete Cover displays for donations paid by card, direct debit, and Apple Pay. It doesn't display if a donation is $3,000 or more or if it’s paid by PayPal or Venmo; your organization pays the fees for ineligible transactions.

  Note: For Apple Pay, only one-time transactions are currently eligible for fee coverage on Standard Forms.

• When enabled on Optimized Forms, Complete Cover displays for donations paid by card, direct debit, Apple Pay, and Google Pay. If a donation is $3,000 or more or is paid by PayPal or Venmo, donor cover displays instead.

  Note: For direct debit and PayPal, only one-time transactions are currently eligible for fee coverage on Optimized Forms.

Donor cover lets donors cover the processing fee so 100% of their donation goes directly to you. Blackbaud automatically calculates the fee for each transaction and adds it to the gift amount. The full amount is tax-deductible. Your organization is responsible for paying transaction fees that aren't covered by donors.

Tip: For information on how the fee is calculated, see this Knowledgebase article.

What's eligible:

• When enabled on Standard Forms, donor cover displays for donations paid by card, direct debit, and Apple Pay.

  Note: For Apple Pay, only one-time transactions are currently eligible for fee coverage on Standard Forms.

• When enabled on Optimized Forms, donor cover displays for donations paid by card, direct debit, Apple Pay, Google Pay, PayPal, and Venmo.

  Note: For direct debit and PayPal, only one-time transactions are currently eligible for fee coverage on Optimized Forms.

  Tip: If donors cover fees, the form allocates those fees to the default designation on the form unless you specify a separate designation from Settings in Online Giving.

To assume responsibility for all related fees and hide the option for supporters to contribute towards operating costs, select My organization pays on your forms.

From Online Giving, create or edit a form.

• For a Standard Form, under Get started, in Process payments with, select a payment configuration for a Blackbaud Merchant Services account. Next, under Fee coverage, choose how to cover the fees.

• For an Optimized Form, under Payment and fees, select a payment configuration for a Blackbaud Merchant Services account. Next, under Fee coverage, choose how to cover the fees.

From Online Giving, under Summary, you can review how much your organization saved in processing fees.

Tip: To view how much you saved in processing fees for a specific form, select the form from Related links, All donation forms.