fbpx
crumb-logo-white

Frequently Asked Questions

Teams | Organizations | Campaign Managers

Do we need to connect a bank account?

Yes, for teams & organizations you need an official bank account in order to create a Stripe Connect account and accept donations through the Crumb platform.  For individual campaigns, you can use a personal or business bank account to create a Stripe Connect account.

What are the fees to use the platform?

It is free for donors / supporters to use the Crumb fundraising & financial management platform.  We charge teams, organizations & causes fees only when donations are made through the platform:

ACH Fees – 0.8% • $5 cap (Applies to Crumb donations)

Credit Card Fees – 2.9% + $0.30 per transaction (Applies to Slice (one-time & recurring) donations)

Authentication Fees – we charge a one-time $1.99 fee to cover the costs of secure authentication and connection of each donor bank account. The fee is assessed and deducted at the end of the first month of a donor's Crumb donation cycle.  The fee is deducted after the donation is collected and before it is remitted to the team/organization, and only if a donor's first-month aggregate Crumb donation amount exceeds $1.99.

Crumb Transaction Fee:  10%  – since the platform is free to use, we take a transaction fee to cover our cost of doing business.  Compare this fee to traditional fundraising groups who keep 20 – 30% of fundraising proceeds!

When will donations deposit to our bank account?

Crumb batches out Crumb donation proceeds at the end of each month and corresponding ACH transfers to your account typically take 3 to 7 business days to process and clear, depending on the banking institution.

For Slice donations (one-time & monthly recurring via credit card), credit card settlements typically take 1 – 3 business days to process and clear.

Payments to your bank account will display from Crumb Transfer : Crumbraise.com.

Is our bank account information secure?

Absolutely. We do not store any bank account credentials or information on our platform.  We authenticate directly with banks via secure, trusted third-party infrastructure providers including Plaid and Stripe:

ACCESS CONTROLS

Separate access controls are enforced at each layer of infrastructure. Multi-factor authentication is required for access to Crumb infrastructure. All application and user access logs are stored centrally and monitored.

ROUTINE TESTS

Crumb’s infrastructure partners regularly undergo both internal and external network penetration tests, and third-party code reviews. Those partners have also completed a SOC 2 report.

TRAFFIC CONTROLS

Crumb partner APIs only allow client requests using strong TLS protocols and ciphers. Communication between partner API infrastructure and financial institutions is transmitted over encrypted tunnels. All client communication with partner APIs utilize cryptographically hashed headers and timestamps to verify authenticity.

Crumb also utilizes industry-leading security tools to detect intrusion attempts, block attacks, and meet compliance requirements on OWASP Top 10, SOC2, GDPR, and PCI.

Can I manage more than one team, organization or campaign?

Absolutely.  You can create and manage other teams, organizations or individual & cause campaigns by clicking on Management > All Campaigns.  When in the All Campaigns screen, click on the Start New Campaign button and follow the simple three-step process to create your new team, organization, individual campaign, or cause campaign.  You can create unlimited campaigns under your single login account.

Crumb is an ideal fundraising tool for all types of sports teams, activity clubs, PTAs, alumni groups, membership organizations, and more.

As a manager, can I also support a campaign?

Absolutely.  You can contribute to your own or others' team, organization, or individual & cause campaigns as a Supporter by visiting Support > Donation Center in your dashboard, where you'll find a list of all campaigns you've been invited to support.

Where can I see our historical transfer & transaction activity?

You can see a historical breakdown of your monthly donation batch-outs and associated fees by visiting Management > Banking from your dashboard.

Supporters

What are the donation types available on Crumb?

Crumbs – you can connect a bank account or debit card and donate Crumbs – rounded up amounts – from your daily purchases.  See how it works here.

Slices – you can make one-time donations or set-up fixed monthly donations via credit card.

How do Crumbs work?

When you connect a bank account, our system rounds up your daily purchases to the nearest dollar.  For example, if you purchase a coffee for $3.56 using your debit card, we will round up your purchase to $4.00 and donate the difference of $0.44 to your team of choice. 

Crumb, will only round-up point-of-sale and online purchase transactions made via Check / Debit card for connected checking accounts.  Crumb does not round up deposits, credits or refunds. If you would like to cap your monthly Crumb donations, you can do so in Support > Donation Center.

If you would like to cap your monthly Crumb donations, you can do so in Support > Donation Center.

We process your crumb donations at the end of each month and deduct the total crumb amounts as a single payment. Payments will appear as Stripe: Crumb Donation (Campign Name) on your monthly bank statement.

As of September 15, 2019, we will release a new version of Crumb, which will round-up only purchase transactions made via Check / Debit card for connected checking accounts.

What transactions are included in Crumb round-ups?

Crumb will only round-up point-of-sale and online purchase transactions made via Check / Debit card for connected checking accounts.  Crumb does not round up deposits, credits or refunds. If you would like to cap your monthly Crumb donations, you can do so in Support > Donation Center.

Do I need to connect a bank account?

In order to donate Crumbs, you must connect a bank account and link a checking account, debit card, or credit credit associated with your bank account.  If you do not wish to donate Crumbs, you can make one-time or monthly recurring donations via credit card to a team, organization, or cause of your choice.

I can't donate Crumbs: My bank account or credit card isn't supported.

Crumb provides access to tens of thousands of banks via its partnership with Plaid.  In some cases, certain banking institutions or specific credit cards are not supported and prevent you from donating Crumbs.  If that happens, please email support@crumbraise.com and include the bank institution name and/or credit card provider and we'll investigate with Plaid. 

In the meantime, you can donate one-time or set up monthly recurring donations via standard credit card submission in your Donation Center.

Is my bank account information secure?

Absolutely. We do not store any bank account credentials or information on our platform.  We authenticate directly with banks via secure, trusted third-party infrastructure providers including Plaid and Stripe:

ACCESS CONTROLS

Separate access controls are enforced at each layer of infrastructure. Multi-factor authentication is required for access to Crumb infrastructure. All application and user access logs are stored centrally and monitored.

ROUTINE TESTS

Crumb’s infrastructure partners regularly undergo both internal and external network penetration tests, and third-party code reviews. Those partners have also completed a SOC 2 report.

TRAFFIC CONTROLS

Crumb partner APIs only allow client requests using strong TLS protocols and ciphers. Communication between partner API infrastructure and financial institutions is transmitted over encrypted tunnels. All client communication with partner APIs utilize cryptographically hashed headers and timestamps to verify authenticity.

Crumb also utilizes industry-leading security tools to detect intrusion attempts, block attacks, and meet compliance requirements on OWASP Top 10, SOC2, GDPR, and PCI.

What are the fees to use the platform?

It is free for donors / supporters to use the Crumb fundraising & financial management platform.  We charge teams, organizations & causes fees only when donations are made through the platform:

ACH Fees – 0.8% • $5 cap (Applies to Crumb donations)

Credit Card Fees – 2.9% + $0.30 per transaction (Applies to Slice (one-time & recurring) donations)

Authentication Fees – we charge a one-time $1.99 fee to cover the costs of secure authentication and connection of each donor bank account. The fee is assessed and deducted at the end of the first month of a donor's Crumb donation cycle.  The fee is deducted after the donation is collected and before it is remitted to the team/organization, and only if a donor's first-month aggregate Crumb donation amount exceeds $1.99.

Crumb Transaction Fee:  10%  – since the platform is free to use, we take a transaction fee to cover our cost of doing business.  Compare this fee to traditional fundraising groups who keep 20 – 30% of fundraising proceeds!

Can I set a cap on my Crumb donations?

Yes, when you set up your donation source (bank account), you will be presented the option to set a monthly cap (i.e., $25) on your total crumb donations.

Can I turn off Crumb donations?

Yes, you can turn off Crumb donations anytime in your Donor Dashboard (Donation Center > Donation Sources)

Can I invite other donors / supporters?

Yes, there is an Invite Supporters button for each team you are connected to (Donation Center)

Can I view my donation amounts?

Yes, you can see a full transaction history in your Donor Dashboard (Donation Center > Transaction History).

Can I create & manage my own team, organization, or cause campaign?

Absolutely.  You can create and manage  teams, organizations or individual & cause campaigns by clicking on Management > All Campaigns.  From there, just follow the simple three-step process to create your new team, organization, individual campaign, or cause campaign.  You can create unlimited campaigns under your single login account.

Crumb is an ideal fundraising tool for all types of sports teams, activity clubs, PTAs, alumni groups, membership organizations, and more.

Can I create & manage my own team, organization, or cause campaign?

Absolutely.  You can create and manage  teams, organizations or individual & cause campaigns by clicking on Management > All Campaigns.  From there, just follow the simple three-step process to create your new team, organization, individual campaign, or cause campaign.  You can create unlimited campaigns under your single login account.

Crumb is an ideal fundraising tool for all types of sports teams, activity clubs, PTAs, alumni groups, membership organizations, and more.

I've connected multiple donation sources. How are my Crumb donations tallied & collected?

If you've connected multiple donation sources (checking account, debit card, credit card, etc.), each account's Crumbs will be tallied individually and deducted individually at the end of each month.  In the event you set a monthly Crumb donation cap, your capped amount will be funded equally across all connected donation source(s).

I support more than one campaign. How are my Crumb donations distributed?

Currently, your monthly Crumb donation total will be distributed equally among the campaign(s) you support.  In the future, we will provide the ability to specify individual percentages of distribution, if desired.

When will I earn and receive rewards & perks?

Near the end of your second month of donation activity on Crumb, you will receive a personalized email with a list of curated rewards & perks selected from our rewards marketplace partner.  Rewards & perks with longer-term expiration dates will also be listed in the Rewards section within the platform.

© 2019 Crumbraise, Inc. All Rights Reserved.