I wanted to share the result of some pretty simple "research" I did into the charity/political payment processor ActBlue.
I wanted to know whether, in ActBlue's opinion, it would be easier or less costly (for either ActBlue or their charities) for me to make a small number of large contributions vs a large number of small contributions. Based on their pricing page, it seemed pretty obvious to me that they were indifferent, but I wanted to check that assumption.
I emailed them, telling them I had a fixed donation budget and wanted to know whether they had preferences as to whether it was broken into many small pieces or not. Here's what they said (shared with their permission):
There are no fees for donors to use our platform and we only pass on a low 3.95% transaction processing fee to the campaigns, as we are legally required to do. Otherwise, 100% of your donation goes directly to your chosen cause. There is no reason that ActBlue would prefer a larger one-time donation over smaller recurring donations. I'm not sure if the organizations have a preference.
(In case anyone is wondering why I care about this, the answer is that I have various technical reasons for making small periodic payments, like to keep credit cards and bank accounts active and to earn different rewards. I had been using Patreon for this purpose, but ActBlue seems to take a smaller cut when it comes to smaller payments. It also seems more "legit" and less likely to raise red flags than some other methods I could think of. Let me know if you have a better way, or if you have a critique of this method.)
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