[deftnerd]

This seems like a very inefficient infrastructure to accomplish what you want to do.

By using Plaid to determine transactions, I assume you then do a once-a-month transaction that is the sum of all the round-ups? Or do you do a separate transaction every time someone does a transaction?

If you're doing a separate transaction, you're paying some ridiculous Stripe fees for the micro transactions.

I think the ideal solution would be to set up your own debit card. It's not significantly hard to get a branded debit card solution through Bancorp. Then you can control thins a lot more easily.

When a customer makes a $12.10 charge, you can actually charge them $13 and just keep the 0.90 on the backend and the processing fee is only paid once.

[harrisonmgordon]

We do once-a-month transactions to help with the micro-transaction issues. We're also looking into ACH transactions to get rid of the 2.9% + 0.30 fee.

Technically you're absolutely right - setting up our own debit card would be a great way to efficiently generate donations.

We weren't sure how likely people would be to get a new debit card though, and many people favor credit cards so they get points. This is definitely a route we could consider in the future though!