Kindful Payments Guide

 

What is Kindful Payments?

Kindful Payments is a payment gateway and the simplest way to start fundraising online with Kindful.

It eliminates the hassle of setting up a third-party payment provider or merchant account and having to enter the credentials into Kindful. Kindful Payments comes fully integrated with your Kindful account and includes a wide variety of functions that let you manage your entire organization and financials in one place.

In addition to seamless integration with Kindful, Kindful Payments offers a number of unique features and benefits, including:

  • Accept Payments Online. Accept one time and recurring credit card and debit card payments.
  • Accept ACH Donations. That's right, Kindful Payments supports donations made with Bank Account & Routing numbers! Accept bank account payments without the hassle of micro-deposits. There is no need to verify an account before the donation is processed with Kindful Payments.
  • Rolling 2-day deposits. There’s no need to wait weeks or even months for deposits to hit your bank account. After an initial waiting period, deposits are made to your bank account daily, on a two day delay.
  • Simple, straightforward pricing. Kindful Payments comes at no additional cost with existing Kindful plans. Kindful customers will pay 2.9% + 30c per transaction. Unlike other payment solutions, Kindful Payments charges no additional fees for accepting American Express or international credit cards, and no fees for included PCI Compliance protections.
  • Instant setup and approval. New nonprofits gain immediate access to Kindful Payments so fundraising can begin immediately. Since fundraising professionals don’t have to sign up for a separate gateway or merchant account to use Kindful Payments, you can sign up for Kindful and be fundraising online in minutes.
  • Real-time payment tracking. Payment information will be available within Kindful in real time.
  • Fully integrated. Payments will sync with their corresponding bank deposits, easily viewable in Kindful. This view makes it easier than ever for nonprofits to understand how much they’ve been paid for individual transactions.
  • Chargeback recovery. Kindful Payments gives nonprofits the best chance of winning chargeback disputes and recovering lost donations. For any chargebacks received, Kindful automatically notifies them of the disputed charge’s donor and transaction details. 

Built on modern, trusted technology

Kindful Payments leverages Stripe technology, trusted by thousands of businesses to accept payments online, and can be enabled with just two clicks in existing Kindful accounts. The revolutionary new payment system will be initially available only to Kindful accounts in the US.

 

Kindful Payments FAQ

Which card types are accepted?

With Kindful Payments, you're automatically set up to accept all major cards as soon as you create your Kindful account. Nonprofits in the United States can accept Visa, Mastercard, American Express, JCB, Discover, and Diners Club debit and credit cards.

Can someone donate using their bank account and routing number?

Yes! Kindful Payments supports donations made with Bank Account & Routing numbers! 

How do I track my payouts and fees?

You can track your payouts (bank deposits) in Kindful. Here you can see deposits and fees separately for accounting purposes.

Tip: To view fees charged for Kindful Payments, select View from the Payouts list to view the detail of a Payout. You’ll see a Fees line item along with the net payout amount.

Can I use Kindful Payments?

Only tax-exempt 501(c)(3) organizations in the United States can use Kindful Payments.

How are funds transferred?

Kindful Payments transfers funds to your bank account depending on your pay period. New Kindful Payments customers receive a seven-day probationary payout period, assuming Kindful Payments remains connected for that same period.

After the first successful payout, the nonprofit is authorized for 2-business-day rolling payouts if there is no fraudulent activity

If an authorized account is disconnected then reconnected, the 2-day payout schedule persists. In other words, disconnecting an authorized account does not change its payout schedule.

Note: You will not receive funds if your payout balance is below $1.

Can I get my money faster?

In the United States, we managed to speed up our standard schedule to transfer funds within 2 business days on a 2 business day payout schedule for most users. Some banks may take longer to process transactions. We're actively working to improve transfer speeds for all accounts.

What counts as a business day?

For merchants in the United States, business days are Monday to Friday, except federal holidays.

Payout shows “Paid” but no funds have been deposited.

We transfer funds every day, but most banks will only process the transfer on business days. This means that if funds were sent to you on a holiday or a weekend, you would probably see the money in your bank the next day your bank is open. For transfers sent on business days, you should be seeing the funds by the next day.

If the transfer was submitted on a business day and you don’t see the money in your bank account within a couple of days, this likely means the transfer failed.

Can I receive payouts in other currencies?

Kindful Payments only supports payouts to nonprofits in the United States - $USD.

My payout “failed”. What do I do?

When payouts fail, this typically means there was an issue with the bank account that you have on file. This also places a hold on all pending transfers to your account until the issue with your bank account is resolved. If you update your bank account to a valid checking account, the failed transfers will be retried automatically within the following 72 hours.

If your current account is valid and you’re unsure why the transfer failed, you should reach out to your bank to investigate the issue.

How long does it take for my donor to get refunded?

We submit any refund you make to your donor’s bank immediately. They will receive the funds from a refund in their account approximately 5–10 business days after the original refund. This will vary based on your donor’s bank.

Note: Refunds might appear in the form of a reversal. In the case of a reversal, the original payment will drop off your donor’s bank statement, and a separate credit is not issued.

When a charge is refunded inside the authorization period of a charge (partial or full), the donor might not see a line item on their statement for a refund as we simply adjust the capture amount for the charge when it settles. They might still see the charge as “Pending” on their statement until the period expires.

Can a refund be canceled?

No, refunds cannot be canceled. If the card that you’ve refunded is expired or canceled, the donor’s new card will be credited with the refund. In the rare case that the donor doesn't have a new card, the bank will usually send the refund to the donor’s bank account.

Are there any processing limits or fund reserves?

There is no limit to the amount you can accept each month/per transaction through Kindful Payments, and your funds will be transferred to your bank account on the same schedule regardless of volume. Kindful reserves the right to pause payouts if we notice questionable activity or abnormally large transactions until we verify there is no fraudulent activity.

Can I refund a chargeback?

A dispute happens when the credit card networks refund a charge at your expense. Because of this, it's not possible to refund a disputed charge. If you did, you'd be giving your donor their money back twice.

Why am I charged a fee for each chargeback?

When a chargeback is filed, Kindful Payments is debited the full amount of the charge fee to help cover the cost of processing the dispute. You can submit evidence to have a dispute resolved in your favor – if you end up winning the dispute, we return the full amount (charge plus the chargeback fee) back to you.

My donor said the dispute was a mistake. Can it be reversed?

If you've talked to your donor and they've agreed to drop the dispute, then you should tell them to contact their bank and drop the chargeback. You should also submit evidence to the donor’s bank, including the statement where the donor said they would drop the charge. You could include evidence such as:

  1. The date and time that you received the payment
  2. The billing information that the donor used
  3. The IP address and country used for the payment
  4. Receipt information for the payment

My donor’s payment was declined. What do I do?

Declines happen for a variety of reasons. When we submit a charge to your donor’s bank, they have automated systems that determine whether or not to accept the charge. These systems take various signals into account, such as your donor’s spending habits, account balance, and card information like the expiration date and CVV.

Since these signals are constantly changing, a previously successful card might be declined in the future. Even if all of the card information is correct, and your donor previously had a successful payment, a future charge can still be declined by a bank’s fraud prevention systems.

Can I find out more about the decline?

We show as much information as we receive from your donor’s bank about a decline in the activities page in the transaction’s detail section. Most declines are generic, so we don’t have much information as to why a charge was declined. If all of the card information seems correct, it’s best to have your donor contact his or her bank, inquire for more information, and ask for future charges to be accepted.

Can I accept debit cards on Kindful Payments?

Kindful Payments can accept Visa, Mastercard, Amex, JCB, Discover, and Diners Club debit cards.

Can I move the card tokens (vault) from Kindful Payments to another payment provider?

While we hope that your experience with Kindful Payments is incredible, we understand if you need to switch payment processors. Kindful Payments does not currently support exporting card tokens, but we are actively working to bring this functionality to customers.

 

Where can I view my Payouts in Kindful?

There's a View Gateway Payouts option in Basic Settings, under the Payment Gateway section. This option is only available when Kindful Payments is enabled for your organization and there has been at least one successfully Payout. This option will not display if a gateway has never been connected or Kindful Payments is disabled.

How can I see transactions associated with a specific Payout?

We’ve added a "by Payout ID" filter to view transactions associated with a Payout. Go to Activities, then select the Current View search field , select the “By Payout ID” filter and enter the Payout ID of the Payout you wish to view.

Can I use other gateways with Kindful Payments?

Kindful Payments can be enabled along with the other Kindful Integrated Payment gateways, Stripe or Authorize.net.

What should I do if I get notified that a donor disputed a charge?

Contact the bank/card issuer and provide them with supporting documentation that proves the charge did happen.

  

Kindful Payments and QuickBooks: how will this affect the QuickBooks integration?

Using Kindful Payments will have no affect on the QuickBooks integration. In a related vein, Kindful Payments allows you to view deposits within Kindful, under the Payouts section (whereas previously deposits would only be viewable by logging into the respective payment gateway).

Will there be the ability to track fees separately per transaction?

Fees won’t be able to be tracked per transaction, but there is a new view for “fees charged” per Payout. This will make reconciliation much easier for customers.

 

Can Kindful payments be used for text-to-give or mobile donations?

Kindful Payments supports donations in the Kindful admin dashboard, on donation pages, and the donation plugin. This includes text-to-give, since text-to-give uses Kindful’s standard donation page checkout flow.

What's the conversion process to switch from Stripe and how long does it take?

Contact support@kindful.com to discuss converting your existing Stripe customers/charges to Kindful Payments.

Using another Gateway with Kindful Payments?

If you were using a different gateway with Kindful before connecting Kindful Payments, any existing recurring transactions and billing profiles will not carry over to the Kindful Payments gateway. New billing profiles are created in Kindful Payments.

Using Stripe with Kindful Payments, will new donors/donations use Stripe or Kindful Payments?

Newly entered donations will be processed through Kindful Payments once it’s set up.

 

How do I know if an ACH donation is declined?

When an ACH donation is processed by Kindful Payments, the transaction activity will appear in your Kindful Account. However, it's possible that after 2-3 business days processing will return a decline. Declined transactions occur for many reasons, including insuffient funds in the donor's account. 

 



Was this article helpful?
0 out of 0 found this helpful
Have more questions? Submit a request

Comments