
Peer-to-peer (P2P) fundraising turns your supporters into fundraisers. One charity becomes dozens or hundreds of personal campaign pages, each reaching a network you would never have reached directly.

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Peer-to-peer fundraising (also called P2P or community fundraising) is when individuals raise money on behalf of a not-for-profit. Instead of your organisation soliciting donations directly, your supporters become fundraisers. They create personal campaign pages, set their own goals, and ask their friends, family and colleagues to give.
The mechanic is simple, and the simplicity is the point: one not-for-profit turns into dozens or hundreds of fundraisers. Each fundraiser reaches a network you would not have reached on your own. The flow looks like this:

Peer-to-peer fundraising works by letting supporters raise money on behalf of your organisation through their own personal campaign pages, then sharing those pages with their networks. Every donation flows to the not-for-profit, and the supporter gets credit for bringing it in. The platform handles page hosting, payment processing, receipting and reporting so your team can focus on coaching fundraisers, not chasing logistics.
Underneath that, there are two perspectives worth understanding, because the mechanics on each side determine whether a campaign actually works.
A typical fundraiser outreach message reads something like: "Hey, you know I have been a volunteer at [Organisation] for three years. They are running a campaign this month to fund [specific program], and I am trying to raise $500. Anything you can give helps. Here is my page: [link]." Short, personal, specific. That is the format that converts.
If you want a platform that ships these mechanics for Australian not-for-profits, Zeffy's free peer-to-peer campaign tool for Australian charities includes individual and team fundraising pages, leaderboards, donor-board messages and reporting at no cost.

The two are not mutually exclusive. Some platforms support both formats, and some not-for-profits run a crowdfunding campaign for a capital project while running P2P for their annual walk. Pick the model that matches the job: P2P for community and recurring engagement, crowdfunding for a defined one-time goal.
| Dimension | Peer-to-peer fundraising | Crowdfunding |
|---|---|---|
| Who raises the money | Supporters raise on behalf of a nonprofit through personal pages | One campaign owner raises directly for a project or cause |
| Page structure | One main campaign with many individual or team sub-pages | Single campaign page |
| Best for | Ongoing supporter engagement, recurring events, walks/runs | One-time project funding, emergency appeals, specific goals |
| Donor relationship | Fundraiser-to-donor (personal network) then nonprofit-to-donor | Campaign-to-donor (often a single relationship) |
| Typical duration | 4 to 8 weeks, often annual or recurring | 30 to 60 days, often one-off |
| Use case fit | Building a fundraising community over time | Funding a defined project with a hard deadline |


P2P is not one format. Here are seven ideas that work for small-to-mid Australian not-for-profits, with a note on why each works and one practical tip.
What it is: A rapid-response P2P campaign launched in the days after a humanitarian crisis or natural disaster. Supporters create pages to raise emergency funds for affected communities.
Why it works: Urgency drives generosity. People want to help and want to feel useful. A fundraiser page gives them a way to channel that.
Tip: Have a campaign template ready before you need it. When a crisis hits, you have hours, not weeks, to launch. Australian Red Cross is one of the strongest AU examples of emergency P2P done at scale, activating supporter fundraising pages within hours of major bushfires and floods.
What it is: Supporters ask their network for donations to your not-for-profit in lieu of birthday gifts.
Why it works: Birthdays come with a built-in audience (everyone who would send birthday wishes) and a built-in occasion to ask. It is also one of the easiest entry points for a first-time fundraiser.
Tip: Make signing up a 60-second task. The longer the setup, the more drop-off. Cancer Council Australia and Beyond Blue both run strong community fundraising programs with personalised birthday-fundraiser pages as a core format.
What it is: Participants register for an event (often a 5K, fun run or charity ride), create a fundraising page, and raise money in the lead-up.
Why it works: The event itself is the deadline that creates fundraising urgency. The shared experience builds community among fundraisers, which makes them more likely to come back next year.
Tip: Open team registration alongside individual. Teams raise meaningfully more than individuals because peer pressure inside the team drives performance. Grassrootz is the AU platform behind many of Australia's most iconic community events, including City2Surf, the Nike Melbourne Marathon and the Rottnest Channel Swim. The Vinnies CEO Sleepout, run on Funraisin, is a strong model for sleepout-style P2P at scale.
What it is: A branded hashtag challenge tied to a fundraising page (for example, a tagged activity, a personal commitment, or a video chain).
Why it works: Challenges are designed to be shared. Each post recruits the next fundraiser, which compounds reach without your team doing the outreach.
Tip: Build the challenge around something easy to film in 30 seconds. The lower the production lift, the more participants you get.
What it is: A short, intense P2P campaign timed to the End of Financial Year (EOFY) on 30 June, with fundraisers activated in the weeks leading up to it.
Why it works: EOFY (30 June) is the dominant giving peak in Australia because donors maximise tax-deductible gifts to DGR-endorsed charities before the financial year closes. The Australian Tax Office confirms that donations of $2 or more to a DGR-endorsed charity are tax-deductible, and this deadline creates genuine urgency. A P2P campaign timed to EOFY recruits fundraisers 4 to 6 weeks out (mid-May) with a coordinated final-week push into 30 June.
Tip: Recruit fundraisers four to six weeks before EOFY. Activate them with a coordinated launch in the week of 15 June. Same-day signups rarely raise meaningful money.
What it is: A P2P campaign tied to a specific program goal: funding a research project, a building, or a program expansion.
Why it works: A concrete goal gives fundraisers a specific story to tell. "Help us fund research into X" converts better than "support our work."
Tip: When the ask is tied to a tangible outcome, every fundraiser page becomes a clear, compelling pitch. Platforms like Zeffy let you set a visible campaign thermometer so donors and fundraisers can watch the goal approach in real time. No platform fees means every dollar a fundraiser raises lands in the program budget.
What it is: Any P2P campaign you run year after year (gala P2P, annual walk, anniversary campaign, EOFY appeal) where alumni fundraisers re-enroll annually.
Why it works: Year-two performance dwarfs year-one because you start with a base of trained, engaged fundraisers. The compounding effect is real.
Tip: The week the campaign ends, invite the top performers back for next year. Strike while the win is fresh.


This is the operating playbook for your first or second P2P campaign. Each step has a checklist, a timing recommendation and a common pitfall to dodge.
Timing: 8 to 10 weeks before launch.
Decide on your dollar goal, tied to a specific program or outcome your supporters can picture. Choose a campaign length (4 to 8 weeks is the sweet spot; shorter campaigns underperform, longer ones lose momentum). Decide whether you will allow team fundraising alongside individuals, and set key milestones (kickoff, mid-campaign push, final week).
Pitfall: Setting a round-number goal with no maths behind it. Goal = (target fundraisers) x (average raised per fundraiser). If you cannot back into that maths, your goal is a wish, not a plan. Use a fundraising calendar template to plot milestones backwards from launch day.
Timing: 6 to 8 weeks before launch.
This is the single most consequential decision in the whole campaign. The fee structure compounds across every gift, the page UX determines fundraiser activation, and the reporting determines whether you can coach mid-campaign. We break down the selection criteria in detail in the how to choose a P2P platform section below.
Pitfall: Picking on feature lists alone and ignoring the effective fee load on a $25 gift. Read the fee section before you commit.
Timing: 4 to 6 weeks before launch (recruiting takes longer than you think).
Start with the people most likely to say yes:
Pitfall: Posting "anyone can sign up!" on social media and waiting. Personal asks convert. A direct email or phone call to a known supporter recruits a real fundraiser; a social post recruits almost no one.
Timing: 2 to 4 weeks before launch.
Each personal fundraiser page should include:
Pitfall: Skipping the page-build coaching call. A 30-minute group office hours session lifts activation rates more than any other single intervention.
Timing: Launch day through week 2.
Give fundraisers everything they need to share without writing it from scratch:
Pitfall: Posting once and going quiet. The fundraisers who succeed are the ones who post three to five times across the campaign, not the ones who post once on launch day.
Timing: Throughout the campaign, with a major mid-campaign push.
The mid-campaign drop-off is the biggest risk in any P2P campaign. Counter it with:
Pitfall: Treating engagement as a launch-day activity. The fundraisers who need motivation most are the ones at week three with $80 raised and no idea how to push past their first ring of friends. Reach them.
Timing: Within 48 hours of campaign close.
Every fundraiser gets thanked. Every donor gets thanked. The top performers get a personal call or handwritten note. Public recognition on your channels matters, but private gratitude is what builds the alumni base for next year. Plan the thank-you sequence before launch so it actually goes out on time.
AU note on DGR receipting: If your charity is DGR-endorsed, every donation of $2 or more should be receipted with your charity name, ABN and a DGR statement so donors can claim the deduction on their annual return (per the ACNC DGR fact sheet). Most P2P platforms handle receipting automatically; confirm before launch. Donors can also verify your DGR status directly on ABN Lookup.
Pitfall: Going dark after the campaign ends. The week after close is when you set up the relationship for the next twelve months. Skip it and you start year two from zero.
Why it happens: Not-for-profits assume fundraisers will figure out what to post. Most will not. They want to help, but they do not know what to say.
The fix: Build a fundraiser toolkit before launch. Sample emails, sample texts, three or four social posts, branded graphics, a one-page FAQ, a 30-second video. Make the lift to fundraise close to zero.
Why it happens: A round-number goal feels aspirational. But when individual fundraisers see a $100,000 goal next to their $300 contribution, they feel pointless, not inspired.
The fix: Set the campaign goal as a function of (target number of fundraisers) x (realistic average per fundraiser). Set individual goals at a level a first-time fundraiser can actually hit. You can always raise the goal mid-campaign; you cannot un-set a deflating one.
Why it happens: Teams build a great campaign page, hit publish and assume fundraisers will appear.
The fix: Recruit one-to-one before launch. Make a list of 30 to 50 likely fundraisers (board, regular givers, past participants). Email or call each personally. Aim for 60% to 70% of your target fundraiser count signed up before launch day.
Why it happens: Not-for-profit teams get busy. The launch is the visible moment, and the middle of the campaign feels quiet.
The fix: Schedule mid-campaign check-ins as calendar holds before launch. A short weekly update ("here are this week's top three pages, here is what is working") keeps fundraisers engaged. Personal nudges to fundraisers who have not posted recently lift activation more than any leaderboard.
Why it happens: Platform fees look small in isolation. A 5% fee on a $25 gift is $1.25. But P2P is built on hundreds of small gifts, so the fee drag compounds.
The fix: Calculate the effective fee load on a $25 gift before you sign up. In Australia, processing runs on Stripe AU rates (1.7% + A$0.30 per domestic transaction). Platform fees on top of that vary: Raisely charges 4% flat; GoFundraise charges 0% to 6% + GST; Humanitix charges 2.5% + $0.50 per ticket at the NFP rate; Eventbrite charges approximately 5.35% + A$1.19 + GST. On a $25 gift, the combined fee at a 4% platform rate plus 1.7% + A$0.30 processing works out to roughly $1.73, or nearly 7%. Across 500 small gifts, that is almost $870 your supporters intended for the cause that never gets there. See the platform selection section for the full AU comparison.
The platform you pick determines the upper limit on what is possible. The way you recruit and coach fundraisers determines whether you get anywhere near that limit. P2P is a people program, not a software program.
Recruit in concentric circles, starting with the people most likely to say yes:
The ask is one-to-one and specific. A template:
Hi [Name], we are running our annual [campaign] in [month]. Last year [X] supporters raised [$Y]. I would love for you to be one of them this year. It takes about 15 minutes to set up your page, and we will give you everything you need to share it. Can I count on you?
Personal. Specific. A clear ask with a small lift. Group emails to 200 supporters generate almost no fundraisers; 30 individual notes generate 15.
Total raised is the number everyone watches, but it is the worst single metric for measuring whether your P2P program is healthy. Track these five, and you will know whether to do it again next year.
| Metric | What it tells you | What good looks like |
|---|---|---|
| Total raised | Top-line outcome | Above last year, ideally above goal |
| Number of active fundraisers | Recruitment + activation performance | Hit your recruitment target and 70%+ of those fundraisers raised at least one gift |
| Average raised per fundraiser | Coaching effectiveness | Trending up year over year; first-year campaigns often land $200-$500 |
| New donor acquisition rate | Strategic value of P2P (this is the real prize) | 50%+ of donors are new to your organization |
| Fundraiser retention rate | Program sustainability | 30%+ of fundraisers return next year; top performers should be 60%+ |
| Social reach and shares | Top-of-funnel awareness | Trending up; correlates with new donor acquisition |
New donor acquisition is the metric most not-for-profits underweight. The dollars from a P2P campaign matter, but the strategic value is the donors you would not have reached otherwise. Those donors only become regular givers if you have donor management built into the campaign so they land in your CRM, get receipted and enter your cultivation flow automatically.
Most "best platform" guides drown you in feature checklists. Useful but not decisive. The real question is which platform makes your specific campaign maths work. Five criteria, in priority order:
This is the most underweighted criterion and the most important one. P2P is built on lots of small gifts. A 3% to 8% platform fee plus Stripe AU processing (1.7% + A$0.30) compounds across hundreds of transactions. On a $25 gift, a 4% platform fee plus 1.7% + A$0.30 AU processing equals roughly $1.73 lost, or nearly 7%. Across 500 small gifts, that is over $860 your supporters intended for the cause that never gets there.
Across the AU platforms most small-to-mid not-for-profits consider, platform fees range from 0% to about 6% + GST, on top of standard payment processing. The one outlier is Zeffy, which is the only completely free fundraising platform for not-for-profits in Australia. No platform fees. No transaction fees. Every dollar a fundraiser raises lands with the not-for-profit.
If your supporters cannot create and customise a page in under 10 minutes without calling support, your activation rate collapses. Test the page-builder yourself before committing. Look for: photo/video upload, story editor, goal setting, social share buttons, mobile-responsive design and team page hierarchy if you want teams.
Leaderboards, donor-board messages, milestone notifications and progress thermometers are not nice-to-haves. They are how you counter mid-campaign drop-off. Verify these are included in the tier you are picking, not gated behind an upgrade.
Some platforms ship with team structures, fundraiser dashboards and coaching workflows out of the box. Others are crowdfunding or ticketing tools repurposed for P2P. Repurposed platforms leave you stitching together features that do not quite fit. P2P-native is meaningfully better if your campaign relies on team competition or recurring fundraiser cohorts.
The strategic value of P2P is new-donor acquisition. If donor records do not unify with your other channels (direct gifts, event tickets, regular giving), those new donors evaporate after the campaign closes. Look for built-in donor management or a clean integration with the CRM you already use.
For a deeper look at the specific platforms most AU not-for-profits are weighing, see the AU P2P fundraising platforms hub, or see how Zeffy compares with Funraisin.
The only zero-fee P2P platform in Australia. Every dollar a fundraiser raises from their network reaches the not-for-profit, which is the only way P2P's small-gift multiplication maths actually works.
Sydney-headquartered enterprise P2P specialist. Runs the Vinnies CEO Sleepout and reports supporting 28 of the top 30 ANZ P2P events. Pricing is contract-quoted and onboarding takes time. The right choice for a large established charity running a flagship annual event at scale; overkill for a first or second campaign.
Free for charity members on core P2P features. The AU-native platform behind City2Surf, Nike Melbourne Marathon, Rottnest Channel Swim and many other community mass-participation events. Optional donor tips fund the platform.
Melbourne-born fundraising platform (Keela-owned since 2023). Free tier with an optional donor tip, or flat 4% transaction fee. AU-based support team. Strong design language and drag-and-drop builder.
International event-registration platform with AU support. Strong integration between run/walk event registration and bolt-on P2P fundraising. Used for HBF Run for a Reason and other AU events.
Personal-cause dominant; a charity product exists but AU charities generally prefer AU-native platforms. Strong consumer recognition.
100% Australian-owned crowdfunding and online fundraising platform. Caters to both registered charities and individuals. Zero platform fee.
Sydney-based social-justice crowdfunding platform. Zero platform fee; eligibility restricted to social, environmental, community and First Nations causes.
Peer-to-peer fundraising (P2P) is when individuals raise money on behalf of a not-for-profit by creating personal fundraising pages and asking their own networks to donate. Instead of the charity soliciting donations directly, supporters become fundraisers. Each fundraiser reaches people the organisation would not have reached on its own, and all donations flow back to the charity.
Crowdfunding is typically a single campaign page run by the not-for-profit itself, asking the public to contribute to a defined goal. Peer-to-peer fundraising distributes that effort across many individual fundraiser pages, each connected to the same parent campaign. P2P multiplies your reach by turning supporters into fundraisers; crowdfunding pools contributions to a single organisational ask. Some platforms support both formats, and many charities run crowdfunding for a capital project while running P2P for their annual walk or EOFY appeal.
Four to eight weeks is the sweet spot for most AU charities. Shorter campaigns underperform because fundraisers do not have enough time to build momentum and make multiple outreach attempts. Longer campaigns (beyond eight weeks) lose momentum and fundraiser attention mid-campaign. If you are timing to EOFY (30 June), recruit fundraisers in mid-May for a late-May launch with a hard close at 30 June, giving donors a clear tax-year deadline to act.
Yes. Zeffy charges no platform fee and no transaction fee for Australian not-for-profits. Every dollar a fundraiser raises lands with the organisation. Donors are given the option to add an optional contribution to Zeffy at checkout, but this is never required, and the organisation always receives 100% of what is raised. Zeffy's P2P features include individual and team pages, leaderboards, donor-board messages and automated tax-deductible receipts.
Start with the people who already know and trust your cause: board members, regular givers, past event participants, volunteers, P&C or P&F committee members, and sports club committee members. Recruit one-to-one with a personal ask (email or phone call), not a broadcast social post. A direct personal ask from a staff member or board member converts at three to five times the rate of a group email. Aim to have 60% to 70% of your target fundraiser count signed up before launch day.
Work backwards from (target number of fundraisers) x (realistic average raised per fundraiser). For a first campaign with no alumni base, a first-time AU fundraiser typically raises $200 to $500. If you recruit 20 fundraisers, a goal of $4,000 to $10,000 is grounded. You can always raise the goal mid-campaign if you exceed it; setting an unreachable goal discourages both fundraisers and donors.
If your organisation is DGR-endorsed, donations of $2 or more are tax-deductible and must be receipted with your charity name, ABN and a DGR statement (per ACNC guidance). Most P2P platforms issue receipts automatically; confirm this before launch. Donors can verify your DGR status on ABN Lookup. If your organisation is not DGR-endorsed, donations are not tax-deductible and receipts should not include a deductibility statement.
At minimum: Visa and Mastercard, Apple Pay, Google Pay and direct debit. BPAY and PayTo are increasingly expected by AU donors for higher-value gifts. Reducing payment friction is critical for P2P campaigns built on many small gifts; every extra click or unsupported payment method loses a donation.
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