Charity Charge
“Can a nonprofit-exclusive fintech become the full financial operating system for the U.S. nonprofit sector by removing the friction of traditional corporate banking and compliance?”
HQAustin, TX
IndustryFintech / SMB banking
The story
Charity Charge is a public benefit corporation (PBC) that has built a vertical financial services stack aimed exclusively at the nonprofit sector. Starting with a nonprofit-focused corporate credit card, it has expanded into bookkeeping, gift card distribution, and compliance services, positioning itself as an all-in-one financial OS for nonprofits. The card is underwritten on organizational (not personal) credit, removing a key friction point for nonprofits that lack personal-guarantee culture.
Last 12 months
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The stack
2 layers disclosed in Charity Charge’s embedded-finance stack
Banking / BaaS
Commerce Bank
Sponsor bank
in the full report
Accounting gap: significant
1 more provider across 1 layer, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.