Regular donations
Consider recurring donations to a registered charity using a continuing bank authorisation.
Bank on File Charities
Commercial variable recurring payments for charities
Commercial variable recurring payments for regular donations with variable amounts.
Explore payment uses ↓Regular giving. Room for amounts to vary.
Bank on File Charities explores commercial variable recurring payments for charities, with a focus on regular donations, variable giving amounts and donor-controlled payments.
Commercial variable recurring payments (cVRP) for charities offer a potential bank payment option for the use cases below.
Explore a donation journey that gives supporters clear control. Build recurring giving around the donor’s permission, agreed limits and chosen relationship with the charity.
cVRPs allow repeat bank payments under a customer’s continuing consent, within agreed limits. The customer can review or withdraw that consent.
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Bank on File Charities: payment use cases.
Variable donation amounts
Allow different donation amounts where supported and within the limits the donor has approved.
Supporter account records
Connect payment references with donor records so receipts and support teams have a clear payment history.
Illustrative applications. Availability depends on the eligible payment flow, participating banks, payment provider and integration.
An example journey
How commercial VRP could work in charities.
A supporter agrees a recurring donation arrangement with clear limits. Later donations could vary within those limits under the agreed terms, while the supporter retains the option to withdraw consent.
Example only; this is not a live service or partnership announcement.
Design the collection around consent.
- Show the receiving organisation and proposed payment terms.
- Ask the customer to authorise through their bank.
- Initiate eligible payments within the agreed limits.
- Make payment status, support and consent controls easy to find.
For registered charities
Start with the right payment journey.
Explain the donation terms plainly. Keep Gift Aid declarations, fundraising preferences and payment consent as distinct records and processes.
Assess costs and coverage with your payment provider. Define what happens if a payment fails, consent ends or the customer needs another way to pay.
Commercial variable recurring payments: charities FAQs.
Can a charity increase a donation without limits?
No. Any collection must respect the donor’s authorisation and agreed donation arrangement. If the proposed amount exceeds the payment permission, a different or updated authorisation is needed.
Are these services already available through Bank on File?
This page explains potential payment uses. Contact Bank on File to discuss your requirements and confirm the available service, bank coverage and implementation options.
Sector background: Open Banking Limited’s Wave 1 commercial model, April 2025. Payment overview: Open Banking’s cVRP guide. Confirm current eligibility with your provider.
Let’s explore charities payments.
Discuss your use case and customer journey.
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