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FRUITFUL NETWORK DEVELOPMENT

Webservices

A practical digital foundation for hosting, payments, and integrations.


§ Payment Processing Overview

At Fruitful Network Development, we provide a simple, reliable payment foundation for community‑driven enterprises. Whether you’re raising funds for farm infrastructure under a fiscal sponsorship program or selling produce at market, our unified platform brings online donations, designated giving, and point‑of‑sale transactions together under one trusted nonprofit account.

Trusted Payment Processing

We recommend PayPal for most small organizations because it balances low-friction setup with donor familiarity and robust transaction reporting. A single account can support multiple designated projects while maintaining clear separation in your internal records.

  • Fast onboarding: quick setup and a familiar donor experience.
  • Reliable records: exportable transaction data for audit-ready bookkeeping.
  • Donor confidence: recognized checkout flows that improve completion rates.
  • Flexible routing: one sponsor account supports many designated projects.

Designed for Fiscal Sponsorship

In a fiscal sponsorship model, all donations are legally made to the sponsor nonprofit. Our payment setup centralizes donation intake under the sponsor’s EIN while still capturing each donor’s designation intent (e.g., “Farm Infrastructure Fund”). This preserves tax‑deductibility and ensures donors know their gift supports the right project.

Remember: designations express donor intent; the sponsor retains final authority over all funds and must publish policies detailing how restricted funds are managed.

POS & In‑Person Flexibility

Our solution can integrate in-person payment acceptance (such as market‑day sales) with online donations, unifying reporting across all channels. This helps projects that blend digital fundraising with onsite community engagement.

  • Unified reporting: align market transactions with online contributions.
  • Scalable workflows: consistent processes across farms, events, and projects.
  • Clear separation: keep retail sales and charitable donations distinct when necessary.

Donation Box Module

We build a lightweight “donation box” widget that embeds seamlessly in your websites. This module routes donations through PayPal while capturing donor metadata (designation, comments, email) and automating receipt workflows. It can be reused across multiple project sites, supporting aggregated reporting at the sponsor level.

  • Consistent UI: a branded donation widget for all sponsored projects.
  • Metadata capture: collect designation intent and donor details.
  • Automated receipts: send acknowledgements and maintain audit trails.

Contingencies & Alternatives

While PayPal is often the fastest way to launch, our architecture allows you to switch processors or support ACH, recurring gifts, or special events. We design the donation box so the payment processor can be replaced without rebuilding your fundraising flows.

  • Processor fallback: route payments through an alternate provider if needed.
  • Expanded methods: optional ACH, recurring contributions, or event‑specific integrations.
  • Accounting alignment: configurable exports and tagging to match your bookkeeping.
  • Separation of concerns: payments are handled by the processor; program data lives in your system.

Program Context

Fiscal Sponsorship Programs

A structure that allows mission‑aligned projects to fundraise compliantly under a sponsor nonprofit, while preserving donor deductibility and maintaining clear financial oversight.

What Fiscal Sponsorship Is

Fiscal sponsorship is an arrangement where a recognized 501(c)(3) nonprofit (the sponsor) accepts charitable donations and manages funds on behalf of a mission‑aligned project that is not its own standalone charity. All donations are legally made to the sponsor, who retains full control and responsibility for how the funds are used.

  • Donations flow to the sponsor: processed under the sponsor’s EIN and payment accounts.
  • Projects receive support: via sponsor‑managed spending or documented regrants.
  • Compliance built in: sponsor oversight, reporting, and policy control.

Why It Matters for Farms & Community Projects

Many farms and grassroots initiatives have public‑benefit goals but cannot access traditional capital or charitable fundraising on their own. Fiscal sponsorship makes it possible to raise funds for infrastructure, education, conservation, or access programs while keeping donations tax‑deductible and properly governed.

How We Support Sponsors & Projects

We treat fiscal sponsorship as both a governance framework and a technical system. We help sponsors and project leads establish clear policies, predictable workflows, and clean reporting so fundraising is simple for donors and manageable for administrators.

  1. Program definition: determine eligible projects, expenses, and required documentation.
  2. Donor experience: build donation pages that state the sponsor as the recipient and capture designation intent.
  3. Fund controls: tag restricted/designated funds, implement approval workflows, and maintain audit‑ready records.
  4. Disbursement pathways: support direct vendor payment or reimbursement/grants with documentation.
  5. Back‑end integration: export or sync donation and expense data into bookkeeping categories and dashboards.

Governance & Transparency

Transparency is essential: donors must know they are giving to the sponsor, projects must understand how funds are managed, and sponsors must maintain consistent oversight. We help clients publish required language, adopt internal policies, and maintain reporting that satisfies boards, auditors, and funders.

Key principle: donors may express intent, but the sponsor must retain final decision authority and ensure all spending aligns with charitable purpose and policy.

Unrestricted Donations

These gifts support the sponsor’s overall mission without any designated project. They provide flexibility for the sponsor to allocate resources where they are most needed.

  • Used for general operations or broad mission objectives.
  • Not tied to a particular project, but still aligned with the charity’s purpose.
  • Tracked in the aggregate and reported in organizational financials.

Restricted Donations

Donors may express an intention to support a specific program or project. We tag those funds internally for that purpose and report them separately, while the sponsor retains ultimate authority over how they are spent.

  • Donor intent guides spending, but the sponsor controls disbursement.
  • Requires clear policy language describing how designations are handled.
  • Separate bookkeeping tracks donations and expenses for each purpose.

Conditional Donations

Some gifts come with conditions that must be met before the sponsor may use them—such as a matching requirement or a construction milestone. Until the conditions are satisfied, the funds are held in trust.

  • Conditions are explicitly stated and documented between donor and sponsor.
  • Funds are recognized when conditions are fulfilled; otherwise they may be returned or reallocated.
  • Helps ensure accountability for donors and compliance for the sponsor.

Supporting Multiple Projects

When multiple farms or teams operate under one sponsor, we structure the program so each project can fundraise through the same system while still producing clean, separated reporting. This allows coordinated fundraising across a network without sacrificing accountability.

  • Per‑project pages: each project has its own public page and donation designations.
  • Per‑project reporting: summaries by project, designation, and spending category.
  • Consistent controls: sponsor rules apply uniformly across all projects.

Alternatives

Payment processing and Web Hosting

Provider Plan Monthly Fee In-Person Fee Online Fee Storage Profiles Public API Webhooks Vendor Exit Cost Key Features
Wix Business Elite $99/mo N/A 2.9% + $0.28 Unlimited 100 Limited No Medium Advanced dev tools; analytics; multiple gateways
Wix Business $39/mo N/A 2.9% + $0.29 100 GB 10 Limited No Medium Tax tools; coupons; product mgmt
Wix Core $23/mo N/A 2.9% + $0.30 50 GB 5 Limited No Medium Scheduling; accepts payments
Wix Light $16/mo N/A No payments 2 GB 2 No No Medium Basic store only
Squarespace Business Elite $99/mo N/A 2.5% + $0.30 (Starting) Unlimited Unlimited Limited No Medium Subscriptions; advanced shipping
Squarespace Business $39/mo N/A 2.5% + $0.30 + 1% 100 GB Unlimited Limited No Medium Customer accounts; merchandising
Squarespace Core $23/mo N/A 2.9% + fees 50 GB Unlimited Limited No Medium CSS/JS customization
Squarespace Light $16/mo N/A 2.9% + fees 2 GB 2 No No Medium Templates; AI assistant
Shopify Plus $2,500+/mo 2.4% + $0.10 2.5% + $0.30 Unlimited Unlimited Full Yes Low Enterprise, multi-currency
Shopify Advanced $299/mo 2.4% + $0.10 2.5% + $0.30 Platform-managed Platform Full Yes Low Advanced analytics
Shopify Retail $89/mo No payments Online only Platform Platform Full Yes Medium Proprietary POS
Shopify Basic $29/mo No payments No payments Platform Platform Full Yes Low SSL; analytics
Shopify Starter $5/mo No payments No payments Platform None Limited No Low Social sales
PayPal N/A $0 N/A 2.9% + $0.29 N/A N/A N/A N/A N/A
Stripe N/A $0 N/A 2.9 % + $0.30 N/A N/A N/A N/A N/A Supports many integrations, custom workflows. Extras for international cards/currency conversion.
Donation box N/A $0 N/A 2.2% + $0.30 N/A N/A N/A N/A N/A Free to start, then pay % per donation.
Clover Full-Service Starter $89.95+ 2.6% + $0.10 3.5% + $0.10 N/A N/A Limited No High Table mapping, split checks, KDS integration
Clover Full-Service Advanced $129.85 2.3% + $0.10 3.5% + $0.11 N/A N/A Limited No High Table mapping, split checks, KDS integration
Clover Quick-Service Starter $59.95+ 2.6% + $0.10 3.5% + $0.12 N/A N/A Limited No High Online ordering, menu management, fast checkout
Clover Quick-Service Advanced $109.90 2.3% + $0.10 3.5% + $0.13 N/A N/A Limited No High Online ordering, menu management, fast checkout
Clover Retail Starter $14.95 2.6% + $0.10 3.5% + $0.14 N/A N/A Limited No High Barcode scanning, item variants, exchanges
Clover Retail Advanced $104.90 2.3% + $0.10 3.5% + $0.15 N/A N/A Limited No High Barcode scanning, item variants, exchanges
Clover Professional Starter $14.95 2.6% + $0.10 3.5% + $0.16 N/A N/A Limited No High Invoicing, virtual terminal, recurring payments
Clover Professional Advanced $84.95 2.3% + $0.10 3.5% + $0.17 N/A N/A Limited No High Invoicing, virtual terminal, recurring payments
Clover Personal Starter $0 2.6% + $0.10 3.5% + $0.18 N/A N/A Limited No High Appointment booking (higher tiers), customer database
Clover Personal Advanced $84.95 2.3% + $0.10 3.5% + $0.19 N/A N/A Limited No High Appointment booking (higher tiers), customer database
Clover Home & Field Starter $14.95 2.6% + $0.10 3.5% + $0.20 N/A N/A Limited No High Mobile payments, paperless receipts, remote processing
Clover Home & Field Advanced $84.95 2.3% + $0.10 3.5% + $0.21 N/A N/A Limited No High Mobile payments, paperless receipts, remote processing
Square Free Tier $0 2.6% + 15¢ 3.3% + 30¢ N/A N/A Full Yes Medium Core POS
Square Plus $49 2.5% + 15¢ 2.9% + 30¢ N/A N/A Full Yes Medium Loyalty, inventory
Square Premium $149 2.4% + 15¢ 2.9% + 30¢ N/A N/A Full Yes Medium Reporting, support

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