REACHpay is our integrated, PCI-compliant payment gateway powered by Stripe Connect. It’s available to organizations using the Fundraising, Sponsorships, Essentials, or Pro plans.

Why Choose REACHpay#

We understand that cost and efficiency are priorities for nonprofit organizations. REACHpay helps reduce your fees and streamline your donation process by offering:

• A modern, secure, and fully integrated payment solution
• Simplified administration with direct payouts to your bank account
• A single transaction fee paid only to REACH – no third-party gateway fees

With REACHpay, your entire donation process is managed directly within REACH, providing a seamless experience for your team and your supporters—all at a lower cost.

REACHpay Presentation #

Download our REACHpay presentation to share with your Board of Directors or other team members as you discuss making the switch to REACHpay. Contact us with any questions you have.

Benefits of Using REACHpay#

View a comparison chart to learn how REACHpay compares to other commonly used payment gateways.

Choosing REACHpay as your payment gateway provides a number of advantages designed to save time, reduce costs, and simplify operations:

• Simplified Administration
  Receive direct payouts to your bank account, with no need for third-party payment systems.
• Payout Reconciliation Report
  Access a built-in report that summarizes REACHpay payouts and links them to their associated donations for easier tracking and reporting.
• Enhanced Fraud Detection
  Benefit from improved tools to help safeguard your organization and donor information.
• Single Transaction Fee
  Eliminate multiple payment processing fees. With REACHpay, you pay one transaction fee to REACH—no separate gateway fees.
• Multiple Payment Methods Accepted
  Accept all major credit cards, Google Pay, Apple Pay, and U.S. bank accounts (ACH/EFT).
  Note: ACH/EFT must be requested and enabled by emailing our support team.
• Transparent Fee Structure
  • Credit card donations: 3.25% fee per transaction
  • ACH/EFT donations: $1 + 1% per transaction
• PCI Level 1 Security
  All transactions are handled securely through Stripe Connect’s PCI Level 1 compliance.
• Automatic Card Updater
  Helps prevent missed donations by automatically identifying and updating expired or inactive supporter cards on file.

REACHpay is built to simplify and strengthen your donation process from start to finish.

Your REACHpay Information#

On your REACHpay pages (Settings > REACHpay), you can view all of your account’s information.

Remember, to enable multi-currency and EFT/ACH, you must email our support team as this is optional based on client preference.

This includes: 

• Status
  • Charges Enabled? (Yes/No)
  • Payouts Enabled? (Yes/No)
  • Multi-Currency Enabled? (Yes/No)
  • EFT/ACH Enabled? (Yes/No)

• Payouts
  • Frequency (Daily, Weekly, Monthly)
  • When not Daily, the Payout Week Day or Payout Month Day will be listed

• Transaction Fee Rates
  • Credit Card
  • EFT/ACH
  • Multi-Currency

REACHpay FAQs#

Here’s a list of frequently asked questions about using REACHpay as your payment gateway.

What is the total cost for REACHpay?#

There is no additional fee to use REACHpay.

When you use REACHpay, your organization is only responsible for your monthly REACH plan fee and a flat 3.25% transaction fee per credit card donation. This eliminates the need to pay both REACH and a third-party payment gateway.

Optional Fees:

• ACH/EFT (U.S. bank account) donations: $1 + 1% per transaction
• Multi-currency payments: Additional 1% per transaction

Cost Comparison Example – Essentials Plan

• With REACHpay:
  $99/month for Essentials + 3.25% per transaction
• Without REACHpay:
  $99/month for Essentials + 1% REACH transaction fee + additional fees from your chosen payment gateway

REACHpay simplifies your billing and lowers your overall processing costs by consolidating fees into a single, transparent structure.

Can any organization use REACHpay?#

REACHpay is only available to US-based nonprofits.

My organization currently uses Stripe as our payment gateway. Does this mean we will automatically have REACHpay?#

REACHpay is built on Stripe Connect. If you currently use Stripe with REACH, then you are using a Stripe standard account and do not have access to the additional features that will be offered using REACHpay.

These additional REACHpay features include Apple Pay, Google Pay, enhanced fraud detection, an Automatic Card Updater and the benefit of having your entire donation process – including payouts to your bank account – handled within REACH.

If your organization wants to use REACHpay, you will need to transition from Stripe to REACHpay as your payment gateway and proceed with REACHpay setup.

Does REACHpay include fraud protection?#

Yes. Automated fraud protection is included.

How are payouts and deposits handled?#

By default, REACHpay’s payouts will be distributed daily on business days, with a payout speed of 2 business days. REACH will transfer funds to your banking account each business day. The funds transferred will be for the donations received two business days prior. Organizations do have the option to modify their payout schedule. Learn more by viewing our Payout and Deposits article.

For ACH/EFT donations, funds will be withdrawn within 1-3 business days from the supporter’s US bank account. Please allow 2-4 business days for the donation to be marked as complete within REACH.

How do we reconcile our donations with our bank account?#

When using REACHpay as your payment gateway, you can use the REACHpay Payout Reconciliation Report to search your donations and reconcile them as needed with your banking account. Learn more by viewing our REACHpay Payout Reconciliation Report article.

What supporter payment methods are accepted?#

Using REACHpay, supporters can donate via an online credit card (all major credit cards are accepted), US bank account(ACH/EFT), Google Pay or Apple Pay.

Google Pay and Apple Pay are automatically shown if the user is accessing REACH from a device and browser that supports it and does not require any additional configuration on your part. For Apple Pay, this means accessing REACH from Safari on an iPhone, iPad or Mac with a card added to the Wallet app. For Google Pay, this means accessing REACH from a Chrome browser with a Google account signed in that has payment methods in a Google Wallet.

Learn more by viewing our REACHpay Supporter Payment Methods and ACH/EFT with REACHpay articles.

Does REACHpay accept multi-currency?#

REACHpay supports recording donations in several base currencies using our multi-currency feature. Accept donations from various currencies and have them converted to your base currency. When using REACHpay, multi-currency donations incur an additional 1% transaction fee.

If you would like multi-currency enabled, so your public donation page can accept donations in other currencies using REACHpay, please email our support team.  

How are disputes handled?#

When a donation is disputed, the organization’s primary email is automatically sent an email notification that includes a link to review the donation details. Other Admins can opt-in to also receive this notification.

Learn more by viewing our How Disputes Work article.

Will our donors know we switched payment gateways?#

Possibly. There are several factors here to consider. Please refer here for our recommended email message to send to your supporters prior to your switch.

First, when using REACHpay, banks and card issuers have the final say in how transactions are listed on statements. Some donors will see your organization’s name, while some may only see REACH listed on their credit card statement.

During the transition process to REACHpay, as it would be with any transition to another payment gateway, there is a verification process that tests whether the payment method is still valid. Some card companies will show this as a pending transaction on card statements. For example, it could show as a $1 pending capture from REACHpay or REACH on a banking card statement. In these occurrences, there is no money charged and the pending transaction should disappear from the statement within a few days.

If you choose to enable ACH/EFT with REACHpay, any donors using ACH/EFT for their payment method must manually link and authorize their US bank and personal account in the setup process. US bank account (ACH/EFT) data cannot be transferred. Refer to our REACHpay ACH/EFT articles for detailed information.

What’s the benefit of telling our supporters we switched to REACHpay?#

Using REACHpay, your donors can now donate using Google Pay or Apple Pay and their card information is automatically updated should it expired or have been replaced. If this is something your supporters have expressed an interest in, it would benefit you to let them know.

How do we switch over to REACHpay?#

New REACH clients have the option to begin using REACHpay upon initial sign-up by choosing a REACHpay plan.

Current REACH clients can easily switch their payment gateway to REACHpay. Follow the steps in our next article, REACHpay Setup. Once complete, our Support team will provide you with a transition date and time to transfer your current payment methods automatically. You do not need to be present for this seamless transition and will be notified once complete. You can then start to use the REACHpay features in your account to track payouts.

Does it cost anything to switch over to REACHpay? #

There are no fees to make the switch to REACHpay. If you are new to REACH and decide to complete a PCI transfer, there is a charge. Refer to the next question and here.

We are new to REACH and want to use REACHpay. Can we complete a PCI transfer to move our current payment methods into REACH?#

Yes. If you are a new REACH account and have successfully completed the REACHpay setup process, you can request a PCI transfer of your supporters’ credit/debit card data into REACH so that recurring donations can continue uninterrupted.

As the supporter is required to authorize their US bank and personal account in the setup process, US bank account(ACH/EFT) data cannot be transferred. 

Learn more about the anticipated time for this process and the fees charged here.

Will we need to cancel our account with our previous payment gateway once we make the switch to REACHpay?#

This is up to your organization to decide and to cancel when deemed appropriate. While there will not be a need to maintain another payment gateway account once all supporter payment methods are transferred, it is up to your organization to decide when you are free and clear of everything tied to your previous payment gateway account and then to cancel your previous gateway’s account on your own.

What happens if we want to stop using REACHpay in the future and switch to a different payment gateway?#

If you decide to move to another payment gateway from REACHpay, REACH will provide you with a free PCI transfer to your new payment gateway.