The content in this article only applies if you are leveraging the GiveCampus integration with Stripe for payment processing.
Credit/Debit Cards
(including Apple Pay & Google Pay)
Donation Flow:
1. The donor makes a gift and immediately receives a gift confirmation email. These gifts are counted in the campaign totals and leaderboard. School Administrators who are signed up for gift notifications will also receive a gift notification. The gift will show up in your donation report as ‘Authorized’ within moments.
2. The gift will show up as ‘Paid’ in your donation report once the gift has been processed, settled, and has been deposited within your school’s bank account.
3. Gifts will be deposited in your bank account and change to ‘Paid’based on the deposit schedule that your school indicated during onboarding. (Note: If you are on a monthly deposit schedule, gifts could sit in ‘Authorized’ for up to a month)
States:
- ‘Authorized’: The gift is still processing and has not yet settled.
- ‘Paid’: The gift has been processed, it has settled, and has been deposited in your bank account on the deposit schedule that you selected.
- ‘Confirmed’: The gift is a Matching Donation or Challenge that is pending and has not been fulfilled yet; the donor has not yet been charged.
- ‘Failed’: The gift was unsuccessful; the donor was not charged. Failed gifts only display on the campaign-specific donation report and do not appear on date range reports. Failed gifts will not display in your campaign totals or leaderboards.
- ‘Pledged_unpaid’: appears for matches that are not fulfilled and challenges that do not hit their threshold
Note: Apple Pay and Google Pay transactions are processed just like credit card transactions. The only difference is that these transactions will appear in your reporting with the card_type field set to "Apple Pay” or “Google Pay."
Bank Transfer - Instant Verification
Donor logs in with their online banking credentials
Donation Flow:
1. Donor makes a gift and school administrators with gift notifications turned on will get an email notification immediately but the donor does NOT. At this point the gift is in ‘pending_authorization’ and the gift is added to overall campaign totals and relevant leaderboards.
2. ‘Pending_authorization’ moves to ‘Authorized’ in 1-3 business days.
3. Gift is in ‘Authorized’, meaning the donor's bank account has been verified but the gift is still processing. When in ‘Authorized’ the donor receives the gift notification email.
4. Gift moves to ‘Paid’, meaning the gift has been processed,settled, and has been deposited in the school’s bank account. (Note: as with credit cards, gifts will only change to paid based on the school’s deposit schedule, so it’s possible a gift could sit in an ‘authorized’ state for up to a month)
States:
- ‘Pending_authorization’: Donor has made a gift via instant verification. Bank account has not yet been verified.
- ‘Authorized’: the donor's bank account has been verified but the gift is still processing.
- ‘Paid’: the gift has been processed and settled, and has been deposited in the school’s bank account.
- 'Failed’: The gift was unsuccessful and could not move from ‘Pending_authorization’ to ‘Authorized’; the donor was not charged. Failed gifts only display on the campaign-specific donation report and do not appear on date range reports. Failed gifts will not display in your campaign totals or leaderboards.
- ‘Pledged_unpaid’: appears for matches that are not fulfilled and challenges that do not hit their threshold
Bank Transfer - Manual Verification
Donor’s account information is manually verified by entering the routing # and account # and confirming the amounts of two small deposits (aka “micro-deposits”) that will be deposited into that account.
Donation Flow:
1. Donor makes a gift and will immediately receive an email explaining the micro-deposit verification process. The gift will also immediately show up in your donation report, with a "state" of ‘pending_authorization’; at this point, the donor has not confirmed the micro-deposit and no funds have been transferred to your bank, but these amounts DO show up in campaign totals and leaderboards. School Administrators with gift notifications turned on will get an email notification immediately.
2. The payment processor will make one or two micro-deposits into the bank account provided by the donor. The micro-deposit is one small deposit under $1. This process prevents fraud and proves that the donor owns the bank account. The deposit can take 1-4 business days to show up in the donor’s bank account. (Note: donors who make recurring gifts via their bank will only have to verify their account once)
3. The donor receives a reminder email from info@givecampus.comcontaining the instructions and link on how to verify the micro-deposit. The donor has 30 days to complete this verification. Until the donor completes this verification, the gift will remain in the state of ‘pending_authorization.’
- After 30 days without verification, the gift authorization is cancelled. If the gift authorization is cancelled, it will say ‘pledged_unpaid’ in the state column. We will send the donor an email each day for the 30 days reminding them to verify the micro deposit.
4. Once a donor confirms the micro-deposit, it can take 3-5 business days for the donor’s bank account to be charged. After the account is charged, the state moves from ‘pending_authorization’ to ‘authorized’. When a gift moves to ‘authorized’, the donor will get a gift notification with a tax receipt.
5. Once the gift has completed processing and is deposited in your bank account, the state will transition from ‘authorized’ to ‘paid’. This deposit schedule is based on your school's settings in Banking & Deposits. If you are using a daily deposit schedule, the timeline for a gift moving from ‘authorized’ to ‘paid’ is usually 2 days.
The following report columns may help identify where a manual verification gift is in process:
- datetime_of_pledge - will stay the same. This is the date/time that the donor submitted the form and their payment information
- datetime_of_capture - will update to the date/time that the micro-deposits were verified
- ach_verified - will read as 'true' as soon as the micro-deposits are verified.
- datetime_of_deposit - will update to the date/time that the gift was deposited into your bank account
States:
- 'Pending': the donor took the steps of filling in the biographical information (e.g. name, address) but did not submit the payment form.
- ‘Pending_authorization’: the donor has not yet taken the required action to verify that they own the bank account that they used to make the gift (i.e., confirming the micro-deposit)--and therefore the gift has not finished processing and the funds are not transferred.
- ‘Pledged_unpaid’: If the donor does not confirm the micro-deposit amount within 30 days, the gift authorization is cancelled and the “state” transitions from ‘pending_authorization’ to ‘pledged_unpaid.’ At this point, that gift is no longer recoverable through GiveCampus.
- ‘Pledged_unpaid’: also appears for matches that are not fulfilled and challenges that do not hit their threshold
- ‘Authorized’: The donor’s bank account has been charged and the payment has been received.
- ‘Paid’: the gift has been processed, settled, and has been deposited in the school’s bank account.
- ‘Failed’: The gift was unable to be processed. This could happen to to insufficient funds for example.
Manual Bank Transfer Notes:
- The vast majority of bank account donors take the required action of verifying their micro-deposit within five (5) business days. If you see a gift that is still listed as 'pending_authorization' and the 'datetime_of_pledge' column shows a date/time from over 7-10 business days ago, but the ‘ach_verified’ column is still showing ‘false’, we recommend that you contact the donor to ensure that they take the required action (i.e. confirm the micro-deposits) so that the transaction can be completed within the 30-day timeline.
- The cutoff time for daily transfers are processed according to UTC and will inlcude balance transactions that happened up to the cutoff of midnight/00:00 UTC. Payouts are created once per day between 00:00 and up to ~13:00 UTC.
- Some of the reasons donors occasionally do not take the required action and confirm the micro-deposit(s) within 7-10 days include:
- The donor mistyped their email address on the giving form, and thus is not receiving the emails that prompt them to confirm the micro-deposit(s).
- The emails are being ignored by the donor or they are being filtered to spam.
- The donor does not do online banking and therefore cannot confirm the micro-deposit until they receive their next paper statement in the mail OR contact their bank to find out the micro-deposit amounts.
- The donor does not remember which bank account they used and therefore which statement they need to check.