Frequently Asked Questions
Have questions about our nonprofit tools and services? You’re in the right place. Browse answers to our most common questions—or reach out to our team anytime.
Contact us 24×7 at support@charitycharge.com or (512) 759-8575.
The Charity Charge Nonprofit Card is a business credit card designed specifically for nonprofits. The account is tied to the organization to separate organizational and personal funds and allow the nonprofit to build or establish business credit. This also makes it simple to transition account authorization after board elections or staff changes without interruption.
For more information on this card’s benefits and features, visit the Nonprofit Credit Card page.
To qualify, organizations must have an active 501(c) nonprofit status and either: (a) 5 years in operation and $100,000 in annual revenue; or (b) 2 years in operation and $500,000 in annual revenue.
Most tax-exempt organizations in good standing with the IRS and Secretary of State are eligible to apply for this card including (but not limited to) 501(c)(3), 501(c)(4), 501(c)(5), and 501(c)(6) entities.
For questions regarding your eligibility, please contact our team at support@charitycharge.com or (512) 759-8575.
Please submit your information via the Get Started button. If you do not meet the qualifications for the Nonprofit Business Card, you may be qualified for our Secured Credit Card, which enables nonprofits to obtain a secured line of credit by providing a security deposit. The credit line for a secured credit card matches the amount deposited for the security deposit. For example, if you need a credit card with a $5,000 limit, you will be required to open a Business Savings Account and deposit $5,000 as a security deposit.
The Charity Charge Nonprofit business Card can be underwritten directly to the organization without a personal guarantee. However, a personal guarantee could be required in certain circumstances.
When you sign the credit application through DocuSign, you can request a specific credit limit for the overall account and for each individual card. Commerce Bank will consider your request during underwriting which includes a review of the financial documents you provide with your application.
You can order as many employee cards as you need with no additional fees.
Cards can be ordered on your original application or after your account is established for staff, volunteers, or administrators.
Charity Charge offers a dedicated support team accessible by phone and email to assist with general questions.
Commerce Bank has a Commercial Cards Support Team dedicated to serving business cardholders by phone and email 24/7 who assists with general questions, account updates, troubleshooting within the online banking platform, troubleshooting transaction or balance inquiries, and accepting phone payments.
This card program has no annual fee.
For each payment not received by the payment due date shown on the billing statement, a late fee will be charged. The late fee for the respective Commercial account will be 2.5% of the amount past due.
All charges in a billing cycle are due and payable by the Payment Due Date shown on your periodic statement. The grace period for the repayment of purchase is at least 20 days from the date of the periodic statement, provided you have paid the previous balance in full by the due date.
Charity Charge developed the Nonprofit Credit Card in collaboration with Commerce Bank and Mastercard® and these companies pay us to grow the program so it can remain free to nonprofits.
Nonprofit accounting focuses on fund accounting, donor restrictions, and tracking restricted vs. unrestricted funds. Unlike for-profit accounting, which centers on profits, nonprofit accounting emphasizes transparency, accountability, and accurate reporting so stakeholders and regulators can see how every dollar is used.
Our partners provide licensed professionals to handle outsourced nonprofit accounting services, including bookkeeping, grant tracking, donor reporting, budgeting & forecasting, financial statement preparation, audit readiness, tax & payroll support, and integration with nonprofit accounting software.
Compliance with GAAP (Generally Accepted Accounting Principles) and FASB standards ensures your financial statements are credible, consistent, and eligible for audits or grant compliance. Nonprofits must follow specific reporting rules (e.g. net assets with/without donor restrictions, functional expense breakdowns) to maintain donor trust and funder eligibility.
Get help preparing your financials, organizing schedules, & ensuring your bookkeeping is audit-ready. That includes reconciling accounts, generating statements, documentation of internal controls, and responding to auditors’ requests so your nonprofit passes external reviews with confidence
Yes. Our accounting services include grant management and fund tracking, so your nonprofit can clearly separate and report restricted and unrestricted funds, comply with donor requirements, and maintain transparency in how grant monies are spent.
Our partners integrate with leading nonprofit-friendly accounting platforms such as QuickBooks and NetSuite to streamline data flow, reduce manual entry, and maintain consistent records across platforms.
By implementing robust accounting systems, regular financial reporting, budgeting, forecasting, and cash flow analysis, we help nonprofit leadership make data-driven decisions, optimize resource allocation, and reduce risk — freeing your team to focus more on mission delivery rather than financial overhead.
Nonprofit gift cards allow organizations to distribute prepaid cards for essentials like groceries, gas, or pharmacy items. They function like digital or physical debit cards, giving recipients dignity and choice while helping nonprofits simplify aid distribution and track spending.
No. There are no setup fees or ordering minimums. You only pay for physical gift cards you order. Digital gift cards have no fee.
No. For digital gift cards, you pay exactly the card’s face value without any additional fees.
Physical cards incur a flat cost of $2 per card for production, which is typically lower than retail markups.
Shipping physical cards in bulk has a flat $15 fee for expedited shipping with tracking.
Cards shipped individually via USPS have no extra shipping fee.
Nonprofits can fund gift card orders via ACH, invoice, or credit card, offering flexibility based on cash flow and donor funding cycles. This makes it easy for organizations of all sizes to incorporate gift cards into their support programs.
Digital gift cards are delivered by email or text and cost only the face value of the card, while physical gift cards incur a flat $2 per card fee. Both options are easy to use, but digital cards are more cost-effective and ideal for large-scale or urgent distribution.
Nonprofit gift cards reduce administrative work compared to writing checks or managing petty cash. They provide easy reporting for compliance, reduce fraud risk, and allow nonprofits to deliver aid quickly and securely, especially in remote or underserved areas.
Yes. Many nonprofits rely on digital gift cards for emergency assistance, disaster relief, or crisis response. They are faster and safer to distribute than checks or cash, and can be delivered instantly by email or text to those in need.
Nonprofit compliance means following all federal and state regulations that govern your tax-exempt status, charitable registration, fundraising activities, and IRS reporting. Staying compliant helps protect your 501(c)(3) status, avoid fines or penalties, and maintain donor trust. Without proper nonprofit compliance services, organizations risk losing the ability to fundraise or operate legally in certain states.
Access comprehensive nonprofit compliance services, including charitable solicitation registration in all 50 states, annual report and renewal filings, IRS Form 990 preparation support, nonprofit registered agent services, cause marketing registration, and nonprofit formation. These services help your organization stay in good standing and legally raise funds nationwide.
Yes. Most states require nonprofits to register before soliciting donations from their residents, even online. This is called charitable solicitation registration. With our compliance experts, your nonprofit can easily manage state registrations and annual renewals across multiple jurisdictions, saving time and ensuring you remain fully compliant with fundraising laws.
A nonprofit registered agent is the official point of contact for legal documents and state notices. Most states require nonprofits to designate a registered agent in order to remain in good standing. Labyrinth’s nonprofit registered agent service covers every state, scanning and forwarding all legal correspondence so your organization never misses an important filing or deadline.
Most tax-exempt nonprofits must file an IRS Form 990 annually to maintain compliance. Failing to file can result in financial penalties or revocation of tax-exempt status. Use our IRS Form 990 preparation services to ensure your filings are accurate, timely, and aligned with nonprofit tax compliance standards, including GAAP and FASB reporting rules.
Missing compliance deadlines can lead to state penalties, late fees, or suspension of fundraising privileges. However, our expert partners offer a Good Standing Guarantee™, meaning if they had the necessary information but a filing was missed, they will cover late fees and correct the issue. This protects your nonprofit while ensuring long-term compliance security.
Absolutely. If your nonprofit plans to expand into new states, our experts handle the charitable registration process, annual renewals, and ongoing compliance monitoring. Whether you are launching a national campaign, registering a cause-marketing partnership, or scaling into multiple states, their nonprofit compliance services ensure you stay legally registered and eligible to raise funds everywhere you operate.