Cash App VS Stripe

Cash App and Stripe both charge fees that eat into your donations — Cash App takes 2.6% + $0.15 per transaction, while Stripe charges 2.9% + $0.30. Zeffy covers all payment processing fees so you keep 100% of every donation, plus you get donation forms, donor management, and email tools built for nonprofits.

Zeffy is trusted by 100,000+ nonprofits

Stripe

Cash App VS Stripe

Cash App VS Stripe: What nonprofits should know before choosing.

Payment processing Features

Payments processing

0% Processing / Transaction Fee

ACH / Bank Transfers

Credit / Debit Card Acceptance

Digital Wallets (Apple Pay, Google Pay)

International Payments

Fraud Detection

Built in Fundraising Tools (Tickets, Auctions, Forms. etc.)

PCI Compliance

Information not available

Pricing

2.6% + fees.

2.6% + fees per gift add up fast

N/A.

No pricing information available

Processing fees

$0.

No fee

2.2% + $0.30.

(cards), 3.5% (Amex), 0.8% + $5 cap (ACH). For tax-deductible donations.

Platform fees

$0.

for card purchase; Standard transfers free; Instant transfers 0.5%-1.75% ($0.25 minimum)

$0.

No fee

Monthly fees

$0.

No monthly fees

$0.

No monthly fees

Value for money

4.3.

450+ reviews on Capterra. All-in-one fundraising, zero fees, unbeatable value.

N/A.

No pricing information available

Features

4.2/5.

Simple peer-to-peer payments, but lacks fundraising tools and donor tracking.

4.4/5.

Powerful payment processor that requires separate tools for fundraising, ticketing, and donor management.

Donations

Basic peer-to-peer payments only - no donation forms, receipts, or donor management tools

Stripe processes donations but charges 2.9% + 30¢ per transaction. No built-in donor management or receipt automation for nonprofits.

Ticketing

No event ticketing system - Cash App doesn't handle event management or ticket sales

Stripe processes ticket payments but requires separate ticketing platform. No built-in event management or check-in features for nonprofits.

Peer-to-Peer Fundraising

Send and receive money easily - but lacks fundraising campaign tools and donor tracking

Stripe doesn't offer peer-to-peer fundraising tools. You'd need third-party software and integrate Stripe for payment processing.

Auctions

No auction features - Cash App is designed for personal payments, not fundraising events

Stripe doesn't offer auction functionality. You'd need separate auction software and handle payment processing manually through Stripe's API.

Raffles

No raffle or contest features - not built for nonprofit fundraising activities

Stripe processes raffle payments but doesn't provide raffle management tools. You'd handle winner selection and notifications separately.

Online store

No e-commerce capabilities - Cash App focuses on simple money transfers between individuals

Stripe processes online store payments but you need separate e-commerce platform. Charges standard 2.9% + 30¢ processing fees.

Memberships

Cash App doesn't offer membership management tools. You'd need separate software to track recurring donors and member benefits.

Stripe doesn't offer built-in membership management. You'll need third-party tools and custom development to handle recurring member payments and communications.

Donor Management/CRM

Basic transaction history only. No donor profiles, giving history analysis, or relationship management features for nonprofits.

Stripe provides basic transaction data but no donor relationship tools. You'll need additional CRM software to track donor history and build relationships.

Emails & Newsletter

No email marketing or donor communication features. You'd need separate tools to send newsletters and thank-you messages.

Stripe has no email marketing features. You'll need separate tools like Mailchimp or Constant Contact to communicate with donors and send newsletters.

Payment Processing

Accepts donations via mobile app and web, but charges 2.9% + $0.30 per transaction with no fee-free options for nonprofits.

Payment methods

Credit cards and mobile payments only. No ACH transfers

Credit cards, digital wallets, ACH, and in-person payments

Credit Card Payments

Yes - accepts Visa, Mastercard, American Express, and Discover with 2.6% + $0.15 processing fee

Yes - Processes Visa, Mastercard, American Express, and Discover with standard rates

Apple Pay & Google Pay

Limited - supports digital wallet payments but with restrictions on business accounts

Yes - Supports both Apple Pay and Google Pay for quick mobile donations

ACH / Bank Transfers

No - Cash App does not support ACH bank transfers for business accounts

Yes - Accepts bank transfers and direct debits for lower-cost transactions

Tap to Pay App

Yes - mobile app allows tap-to-pay functionality for in-person transactions

Yes - Offers Stripe Terminal for in-person contactless payments at events

Customer Support

4.2/5.

4.4/5.

Unlimited Support

Cash App offers limited support with no dedicated nonprofit assistance

Stripe offers tiered support based on plan level, not unlimited for all users

Phone Support / Office Hours

Cash App doesn't provide phone support or scheduled office hours

Stripe provides phone support during business hours for premium accounts

Webinars

Cash App doesn't offer webinars or training sessions for nonprofit users

Stripe offers regular educational webinars and training sessions for payment processing

Help Center

Cash App has a basic help center with FAQs and troubleshooting guides

Stripe maintains a comprehensive help center with documentation and guides

Cash App provides live chat support through their mobile app

Stripe provides live chat support during business hours for technical assistance

Nonprofit-Focused Support Team

Mobile app chat only, no phone support or nonprofit-specific guidance available

Business-focused support with phone access limited to premium payment accounts

Zeffy is 100% free, always.

Calculate savings

How is Zeffy free?

Why Zeffy over Cash App and Stripe?

Why choose Zeffy over Cash App and Stripe if you're a nonprofit

💸

Cash App and Stripe charge fees on every donation

Cash App takes 2.6% + $0.15 per gift while Stripe charges 2.9% + 30¢. Zeffy charges zero fees, so donors have the option to leave a voluntary contribution instead.

🧰

Payment processors require separate tools for fundraising

Cash App and Stripe only process payments. Zeffy includes donation forms, event ticketing, raffles, and peer-to-peer campaigns in one platform.

🤝

Basic payment apps lack donor relationship features

Payment processors offer basic transaction records. Zeffy provides donor profiles, automated receipts, and email templates for proper donor stewardship.

Frequently asked questions

Why should nonprofits choose Zeffy over Cash App for donations?

Cash App charges 2.6% + $0.15 per donation, which adds up quickly. Zeffy is 100% free for nonprofits - no fees, no monthly costs. Plus, you get donor management tools and automated receipts that Cash App doesn't offer.

How does Zeffy compare to Stripe for nonprofit fundraising?

Stripe charges 2.9% + 30¢ per transaction and requires technical setup. Zeffy is completely free with built-in fundraising tools like donation forms, event ticketing, and peer-to-peer campaigns - no coding required.

What makes Zeffy different from other payment processors?

Unlike payment processors that charge fees and focus on transactions, Zeffy is built specifically for nonprofits. You get zero fees plus complete fundraising tools, donor management, and automated thank-you emails all in one platform.

Why choose Zeffy over payment processors like Cash App and Stripe?

Payment processors like Cash App (2.6% + $0.15) and Stripe (2.9% + 30¢) charge fees on every donation. Zeffy is 100% free for nonprofits with built-in fundraising tools, donor management, and automated receipts - everything you need in one platform.

How much can nonprofits save by switching from payment processors to Zeffy?

A nonprofit raising $10,000 monthly would pay $260-290 in fees to Cash App or Stripe. With Zeffy, those fees stay with your mission. Plus, donors have the option to leave a voluntary contribution to support our platform.

Looking for a better option?

Zeffy was built for nonprofits like yours

focus on what matters

Built for small teams with big missions.

Zeffy is the fundraising platform that cuts out the fees, clears up your tech mess, and puts your cause first — so your team, even if you're a small team wearing many hats or a one-person show, can focus on what really matters.

Start your nonprofit

ZERO-FEE

Keep 100% of every dollar.

No platform fees. No processing fees. No catch. We know it sounds too good to be true, but it's not. Every penny goes straight to your mission, while competitors take 2-3% off every donation.

Start your nonprofit

ALL-IN-ONE PLatform

Ditch the tech mess.

Stop bouncing between MailChimp, Eventbrite, and all those spreadsheets. Now you can handle donations, ticket sales, memberships, raffles, and all your donor info in one spot.

Start your nonprofit

plug-and-play

Get going, fast.

Built for teams like yours — whether you're volunteer-led or have limited staff. Set up donation forms, sell tickets, and launch campaigns without needing a tech wizard. It's super easy, and you'll be up and running in minutes.

Start your nonprofit

mobile-first

Fundraise from every device, anywhere.

From QR codes on flyers to Tap-to-Pay on a phone, Zeffy makes it easy to accept donations on the go. Mobile-optimized and offline-ready, so no donor slips through the cracks.

Start your nonprofit

No turnover

Never lose a donor to volunteer transition.

Centralize supporter relationships, automate thank-you messages, and preserve institutional knowledge when board members rotate out.

Start your nonprofit

100% free forever.

100,000+ nonprofits trust Zeffy — and keep their fees at $0.

For 7+ years, Zeffy has supported nonprofits with free, user-friendly fundraising tools.

As a startup nonprofit with only two members, and no funding (yet) we’d need something with low (or no) fees. Zeffy was a dream come true.

Masey, Loose Ends.

Read the full story

“We were incurring a ton of fees for our past fundraising platform and Zeffy has helped us receive so much more of our donations.”

Zeffy has been invaluable in helping me track our donors, sales, events, and revenue in one spot. The coolest thing about Zeffy is it really is free!

Everything about Zeffy suits us starting with (of course, NO fees) but also the ease of use and customer experience as well as their client support!!

Zeffy is very easy to use and ensures that every dollar quickly gets into our account.. A huge help to our work!

Zeffy is very simple, allows for a lot of customization and seamlessly integrates into our website. The fact that all of this is free is still wild to me.

We couldn't believe there was a free payment platform for our Girl Scout group. Zeffy took ZERO fees from us, which is huge when you run on very small amounts of money.

We were ready to sell tickets in less than 30 minutes. The reporting capabilities were better than some other paid-for sites.

Since using Zeffy, our conversion rate of donations has skyrocketed. It's an easy platform to use. Plus customer support has always been responsive and helpful!