Credit card processing fees can exceed 3%, cutting into small business profits and leading to higher prices for consumers. Slow settlement times delay access to funds, creating cash flow challenges that disrupt daily operations.

Philanthropic organizations rely on donations that fluctuate throughout the year. They need steady, reliable revenue streams to carry out their missions and create lasting impact.

For most people, payments feel purely transactional — quick, impersonal, and easily forgotten. There's little sense of connection to the business or awareness of any broader impact, missing the opportunity to create something more personal and meaningful.

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