{
  "meta": {
    "schema_version": 1,
    "generated": "2026-06-10",
    "currency": "USD",
    "region": "United States",
    "disclaimer": "Estimates only, not financial or tax advice. Fees verified against official vendor pricing pages on the dates shown. Vendors change pricing; always confirm on the official page before deciding.",
    "verification_rule": "No number ships without an official source URL. Anything not itemized on an official page is flagged in unverified_notes and modeled conservatively.",
    "affiliate_note": "affiliate_url values containing {{...}} are inactive placeholders. The calculator falls back to official_url until they are replaced and CONFIG.affiliateEnabled is true."
  },
  "platforms": {
    "zeffy": {
      "name": "Zeffy",
      "official_url": "https://www.zeffy.com/",
      "affiliate_url": "{{AFF_ZEFFY}}",
      "pricing_sources": [
        "https://www.zeffy.com/home/free-online-fundraising-platform",
        "https://support.zeffy.com/zeffy-really-is-free-no-fees-no-catch-4zjir"
      ],
      "last_verified": "2026-06-10",
      "source_quotes": [
        "No transaction fees. No platforms fees. No fees period.",
        "100% of all payments you receive through Zeffy go directly to your nonprofit.",
        "On average, 2 of 3 donors leave us a tip.",
        "The wording and suggested amounts in the contribution dropdown cannot be customized.",
        "The suggested percentage fluctuates based on the transaction amount - the larger the donation, the lower the percentage."
      ],
      "unverified_notes": [
        "Zeffy states it charges no fees of any kind; an itemized ACH/AmEx fee schedule is not published on the official pages we verified, so all payment methods are modeled at 0% per Zeffy's blanket 'no fees period' claim.",
        "Zeffy does not publish its default suggested tip percentage; it states the suggestion is dynamic by transaction size. The tip slider in this calculator is a user assumption, not a Zeffy number."
      ]
    },
    "givebutter": {
      "name": "Givebutter",
      "official_url": "https://givebutter.com/",
      "affiliate_url": "{{AFF_GIVEBUTTER}}",
      "pricing_sources": [
        "https://givebutter.com/pricing"
      ],
      "last_verified": "2026-06-10",
      "source_quotes": [
        "0% platform fees across all campaign types when tips are enabled.",
        "Tips disabled: a flat 3% platform fee applies.",
        "Standard processor rates apply when tips are disabled: cards 2.9% + 30c, ACH 1.9% + 30c.",
        "Givebutter covers the cost for you (the Givebutter Guarantee) if donors decline to cover fees while tips are enabled.",
        "92% of donors cover fees when asked (Givebutter's own published statistic)."
      ],
      "unverified_notes": [
        "Whether donor-covers-fees can still be offered while tips are DISABLED is not itemized on the pricing page; the tips-off scenario conservatively assumes the organization pays all fees.",
        "The '92% of donors cover fees' figure is a vendor-published claim, not independently verified."
      ]
    },
    "donorbox": {
      "name": "Donorbox",
      "official_url": "https://donorbox.org/",
      "affiliate_url": "{{AFF_DONORBOX}}",
      "pricing_sources": [
        "https://donorbox.org/pricing"
      ],
      "last_verified": "2026-06-10",
      "source_quotes": [
        "Standard plan: 2.95% platform fee for Donation Forms, Fundraising Pages, QuickDonate, Peer-to-Peer: Org, Crowdfunding Pages.",
        "Pro plan ($150/month): 1.75% platform fee for the same products.",
        "Stripe (US nonprofit rates): cards and digital wallets 2.2% + 30c; ACH transfers 0.8% capped at $5 per transaction.",
        "PayPal: cards, Venmo, PayPal 1.99% + 49c (non-AmEx).",
        "Let donors cover all the fees - so you get the full amount of every donation."
      ],
      "unverified_notes": [
        "AmEx-specific pricing via PayPal is not published on the page we verified; the calculator applies the standard card rate and ignores AmEx surcharges.",
        "Event ticketing / memberships carry a higher platform fee (3.95% Standard, 2% Pro) - this calculator models donation forms only."
      ]
    },
    "gofundme": {
      "name": "GoFundMe (charity)",
      "official_url": "https://www.gofundme.com/",
      "affiliate_url": null,
      "pricing_sources": [
        "https://www.gofundme.com/c/pricing"
      ],
      "last_verified": "2026-06-10",
      "source_quotes": [
        "No fee to create a fundraiser (0% platform fee).",
        "Transaction fee for certified charities: 2.2% + $0.30 per donation, automatically deducted.",
        "Donors can choose to tip GoFundMe, but it's never required."
      ],
      "unverified_notes": [
        "Bank-transfer (ACH) checkout for individual donors is not offered as a standard published option; any ACH share you enter is modeled at the card rate for this platform.",
        "Donor tips go to GoFundMe and do not change what the charity receives.",
        "GoFundMe Pro (formerly Classy) has separate custom pricing not modeled here."
      ]
    },
    "paypal": {
      "name": "PayPal (direct, charity rate)",
      "official_url": "https://www.paypal.com/us/non-profit/fundraising",
      "affiliate_url": null,
      "pricing_sources": [
        "https://www.paypal.com/us/webapps/mpp/merchant-fees"
      ],
      "last_verified": "2026-06-10",
      "source_quotes": [
        "Charity transaction rate (PayPal-confirmed charities): 1.99% + $0.49 per US transaction.",
        "Standard donation rate for comparison (unconfirmed orgs): 2.89% + $0.49 per US transaction.",
        "International charity transactions add 1.50% to the domestic rate."
      ],
      "unverified_notes": [
        "Requires PayPal charity confirmation (501(c)(3) review); unconfirmed organizations pay a higher rate.",
        "AmEx and alternative-payment-method differences are not itemized for charity transactions on the verified page; the flat charity rate is applied to all card share.",
        "No standard ACH donate rate is published; any ACH share you enter is modeled at the card rate for this platform.",
        "Included as the do-it-yourself baseline: a bare donate button with no fundraising platform around it."
      ]
    }
  },
  "scenarios": [
    {
      "id": "zeffy",
      "platform": "zeffy",
      "label": "Zeffy",
      "sublabel": "Free plan (the only plan)",
      "platform_pct": 0,
      "monthly_usd": 0,
      "card": { "pct": 0, "fixed": 0 },
      "ach": { "supported": true, "pct": 0, "fixed": 0, "cap": null },
      "donor_covers": false,
      "tip_model": true,
      "badges": ["0% to the org", "donors asked to tip Zeffy"],
      "note": "Org receives 100% of every donation. Zeffy is funded by an optional contribution donors are asked to add at checkout (suggestion shown twice, amount dynamic, org cannot customize it)."
    },
    {
      "id": "givebutter_tips_on",
      "platform": "givebutter",
      "label": "Givebutter",
      "sublabel": "Tips enabled (default)",
      "platform_pct": 0,
      "monthly_usd": 0,
      "card": { "pct": 0, "fixed": 0 },
      "ach": { "supported": true, "pct": 0, "fixed": 0, "cap": null },
      "donor_covers": false,
      "tip_model": true,
      "badges": ["0% to the org", "donors asked to tip Givebutter"],
      "note": "With tips on, the org pays 0% platform and 0% processing; donors are asked to tip Givebutter and cover fees. If a donor declines, Givebutter covers the cost (Givebutter Guarantee)."
    },
    {
      "id": "givebutter_tips_off",
      "platform": "givebutter",
      "label": "Givebutter",
      "sublabel": "Tips disabled",
      "platform_pct": 3.0,
      "monthly_usd": 0,
      "card": { "pct": 2.9, "fixed": 0.30 },
      "ach": { "supported": true, "pct": 1.9, "fixed": 0.30, "cap": null },
      "donor_covers": false,
      "tip_model": false,
      "badges": ["no tip prompts for donors"],
      "note": "Turning donor tips off switches Givebutter to a flat 3% platform fee plus standard processing (cards 2.9% + $0.30, ACH 1.9% + $0.30), paid by the organization."
    },
    {
      "id": "donorbox_standard",
      "platform": "donorbox",
      "label": "Donorbox",
      "sublabel": "Standard plan (free, 2.95%)",
      "platform_pct": 2.95,
      "monthly_usd": 0,
      "card": { "pct": 2.2, "fixed": 0.30 },
      "ach": { "supported": true, "pct": 0.8, "fixed": 0, "cap": 5 },
      "donor_covers": true,
      "tip_model": false,
      "badges": ["donors can cover fees", "no tip prompts"],
      "note": "2.95% platform fee plus Stripe nonprofit processing (cards 2.2% + $0.30; ACH 0.8% capped at $5). Donors can be asked to cover all fees at checkout, in which case the org receives the full donation."
    },
    {
      "id": "donorbox_pro",
      "platform": "donorbox",
      "label": "Donorbox",
      "sublabel": "Pro plan ($150/mo, 1.75%)",
      "platform_pct": 1.75,
      "monthly_usd": 150,
      "card": { "pct": 2.2, "fixed": 0.30 },
      "ach": { "supported": true, "pct": 0.8, "fixed": 0, "cap": 5 },
      "donor_covers": true,
      "tip_model": false,
      "badges": ["includes $1,800/yr plan fee", "donors can cover fees"],
      "note": "Pro drops the platform fee to 1.75% but costs $150/month; the calculator adds the $1,800/yr subscription to the annual cost, so Pro only wins at higher volumes."
    },
    {
      "id": "gofundme",
      "platform": "gofundme",
      "label": "GoFundMe",
      "sublabel": "Certified charity rate",
      "platform_pct": 0,
      "monthly_usd": 0,
      "card": { "pct": 2.2, "fixed": 0.30 },
      "ach": { "supported": false, "pct": null, "fixed": null, "cap": null },
      "donor_covers": false,
      "tip_model": true,
      "badges": ["card-only model", "donors asked to tip GoFundMe"],
      "note": "0% platform fee, but a 2.2% + $0.30 transaction fee is deducted from every donation. Donor tips go to GoFundMe and do not change what the charity receives."
    },
    {
      "id": "paypal",
      "platform": "paypal",
      "label": "PayPal direct",
      "sublabel": "Confirmed-charity rate (baseline)",
      "platform_pct": 0,
      "monthly_usd": 0,
      "card": { "pct": 1.99, "fixed": 0.49 },
      "ach": { "supported": false, "pct": null, "fixed": null, "cap": null },
      "donor_covers": false,
      "tip_model": false,
      "badges": ["DIY baseline, no platform features"],
      "note": "A bare PayPal donate button at the confirmed-charity rate (1.99% + $0.49). No forms, receipts automation, CRM, or fundraising features - included as the do-it-yourself baseline."
    }
  ],
  "defaults": {
    "annual_volume_usd": 50000,
    "average_gift_usd": 75,
    "card_share_pct": 90,
    "donors_cover_fees_pct": 60,
    "assumed_tip_pct": 10,
    "defaults_note": "All five inputs are assumptions you control. The donors-cover-fees default (60%) and tip default (10%) are deliberately conservative round numbers, NOT vendor statistics: Givebutter claims 92% of donors cover fees when asked; Zeffy says about 2 of 3 donors leave a tip whose suggested size varies by transaction. Adjust the sliders to your own donor base."
  }
}