For mosques, churches & charities
Every fee is a slice of someone's donation.
A donor gives £50. On a typical donation station, up to £1.05 of a tap — and £1.25 of a QR-code gift — never reaches you. tapbanc offers every donor Pay by Bank alongside card — offered on the same screen, and on that £50 gift the Pay by Bank fee is 45p, not £1.05.
The terminal on its lobby stand. Donors choose an amount and tap — or pay straight from their banking app.
The problem
Card fees don't pause for Ramadan.
Your busiest giving nights are exactly when the fees add up fastest. In Ramadan, at Christmas, during an appeal — a percentage of every single gift goes to the card network before it reaches your account.
Donors keep giving the same way
Nothing changes at the front. Amount buttons, tap to give. Anyone who wants to tap a card still can.
Pay by Bank goes direct
The donation moves from the donor's bank straight to yours. No card network in the middle taking a cut.
Money lands the same second
Appeal on Friday night, money in the account Friday night. The treasurer sees every gift arrive in real time.
Gift Aid & GASDS — built into the terminal
The terminal asks the Gift Aid question. Every single time.
Most Gift Aid goes unclaimed because nobody asks at the moment of giving. tapbanc's screen is fully programmable — so after every gift it asks, captures the declaration HMRC needs in one tap, and files your claim. A £20 donation becomes £25 while the donor is still standing there.
Every eligible £20 gift
= £25 in your account, at no cost to the donor
- Asked on screen, answered in one tap — the declaration is captured at the moment of giving, with the details HMRC requires
- GASDS for anonymous taps — small contactless gifts up to £30 qualify without any details, on up to £8,000 a year
- Claims filed for you — prepared and submitted to HMRC Charities Online; our fee is 2.5% of what we recover, £0 otherwise
- A £10,000 recovery costs £250 — you keep £9,750 you'd never have seen
Fee comparison
What £10,000 of monthly donations costs you.
| Typical donation station | SumUp reader | tapbanc | |
|---|---|---|---|
| Monthly fee | £7.50–£15/month platform fee | £0 | £0 |
| Card fee | 1.49%–1.99% | 1.69% | 1.4% + 10p UK/EEA cards; non-EEA 2.9% + 10p |
| Pay by Bank | Not offered | Not offered | 0.5% + 20p capped at £5 per payment |
| Settlement | 1–3 working days | 1–3 working days | Seconds (Pay by Bank) |
| Gift Aid capture | Sometimes, extra cost | No | Included |
| Fees per year on £10k/month | £1,880–£2,690 incl. platform fees and per-gift pence | £2,028 | £1,992 at 6 in 10 Pay by Bank, £20 avg gift · plus £329 one-off for the terminal. At £20 gifts the field is close — the saving grows with gift size |
Illustrative figures, correct as of 8 August 2026. SumUp rate from sumup.com/pricing; donation-station range from published pricing at CollecTin (1.49% charity rate), Dona (1.58% + £15/month), Payaz (1.69% + £7.50+VAT/month) and GWD (1.99% + 5p); QR-code gifts at such stations typically cost 2.5%. Annual figures assume £20 gifts and charge every provider's per-transaction pence, not just ours: the £1,880 floor is CollecTin at 1.49% plus £7.50/month, the £2,690 ceiling is GWD at 1.99% + 5p with no monthly fee. tapbanc passes Stripe's published rates through with nothing added — card 1.4% + 10p (non-EEA cards 2.9% + 10p), Pay by Bank 0.5% + 20p capped at £5, £0/month, plus £329 once for the terminal — confirmed in writing at your demo. Honestly: Pay by Bank's fixed 20p means it only beats a 1.69% flat rate on gifts above about £17, and our card rate wins above about £35 — below those a flat-rate reader is cheaper on fees, and tapbanc's case is £0/month, no contract, instant settlement and Gift Aid built in. Full price list on the pricing page.
What fees take
£100,000 donated. Where does it go?
The same year's giving, in £50 average gifts, on a typical card machine and on tapbanc — with a realistic mix of donors choosing Pay by Bank.
Typical card machine · 1.7%
−£1,700
gone in card fees
tapbanc · 6 in 10 paying by bank
−£1,180
£540 on Pay by Bank, £640 on the cards that stay
£520 more reaches the cause.
Every extra donor who chooses Pay by Bank widens that gap — if all of it moved, the saving would be £800.
Illustrative, on £100,000 of annual donations in £50 gifts: 1.7% is a typical card-machine rate; tapbanc passes Stripe's rates through with nothing added — 0.5% + 20p (capped at £5) on Pay by Bank and 1.4% + 10p on UK/EEA cards (non-EEA 2.9% + 10p) — with no monthly fee. The fixed pence mean the saving grows with gift size; on gifts under about £17 a 1.7% machine is cheaper on fees. Excludes the £329 one-off terminal. Full price list on the pricing page.
Get tapbanc for your organisation.
Leave your details and we'll arrange everything with your treasurer or committee — hands-on setup included, and direct access to the founder from day one.
See it in your own lobby.
We'll bring a terminal to you. Ten minutes with the treasurer and committee is enough.