# Donation Types, Schedules, and Validations
source: https://developer.mastercard.com/donations/documentation/donation-types/index.md

## Donation Types {#donation-types}

The cardholder can choose from several donation types to fund a charity. These donation types are available for all card types and processed instantly when set up or initiated.
Donation Types

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Functionality

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Guest Donations   
Donors do not require to enroll and register into your donations program to make a donation. Key Features   

* **Appealing to donors**: Guest donations are appealing to donors when donating for a disaster or any other cause spontaneously. They also appeal to first-time donors who are reluctant to register themselves.
* **Standalone donations**: Each guest donation stands alone without any historical data to for future outreach. However, the lack of a profile means that the organization offering this solution has limited opportunities to engage these donors for future contributions.
One-time Donations   
Donors can make a one-time donation to a selected charity for a specified amount with a new card or an existing card-on-file. Key Features   

* **Instant processing**: When the donor initiates the donation, Mastercard Donate instantly processes the donation. If the donation is approved, the transaction appears on the cardholder's statement.
* **Donation made easy**: Donors can make instant one-time donations at any time. This offers flexibility and accessibility to fundraising strategies.
* **Donor retention**: Enhances donor retention and engagement when done from a registered card as this makes it easier for donors to give again.
Monthly Donations   
Allows cardholders to set a fixed donation amount to contribute automatically to a selected charity each month. Key Features   

* **Flexible Donation Amounts**: Cardholders can select their preferred monthly donation amount during donation setup activation and update it anytime to align with their giving goals.
* **Automatic Transfers**: Once enrolled, the chosen donation amount is automatically transferred to the charity on the same day of each month starting from the registration date of the donation.
* **Transparent Billing**: Each donation appears clearly on the cardholder's card statement, ensuring full transparency and easy tracking.
* **Continuous Funding**: This type of donation is a common and reliable source to encourage continuous funding for organizations.
Micro Donations   
Allows cardholders to make small recurring donations each month to a selected charity on each purchase made on an enrolled card over a month. Key Features   

* **Scheduled Deductions**: On the fourth of every month at 1:00 AM UTC, a micro donation batch triggers:

  * Reviews a cardholder's purchase transaction history
  * Calculates the total micro donation amount
  * Initiates the deduction from the card  
* **Automated Processing**: Mastercard Donate calculates the total donation amount by multiplying the number of transactions performed in the previous month from the registered card by the micro-donation amount configured by the donor.

  > #### For example, if the: {#for-example-if-the}
  >
  > * The monthly maximum capping set by the donor is $8  
  > * The number of transactions in the previous month is 20  
  > * Micro-Donation Amount Configured by the Donor is $0.50  
  > * Total Donation Amount: 20 × $0.50 = $10.00   
  >
  >   Mastercard Donate deducts $8.00 as the total donation amount for the month, even if the calculated donation exceeds this limit.
* **Automatic Transfers**: The deducted amount is automatically transferred to the charity on the same day of each month starting from the registration date of the donation.

* **Smart Threshold Handling**: If the total donation for the month meets or exceeds the minimum threshold set by the charity program, it is processed as usual.

  * The donation amount never exceeds the maximum capping amount configured by the donor.
  * If it falls below the threshold, the amount is carried forward to the next month till the threshold is reached.  
  * If the combined amount still does not meet the threshold in the following month, it is disregarded.  
* **Transparent Billing**: Each donation appears clearly on the cardholder's card statement, ensuring full transparency and easy tracking.

Roundup Donations   
Roundup donations are a form of micro-donation that turns everyday purchases into meaningful contributions. Key Features   

* **Scheduled Deductions**: On the third of each month, at 1:00 AM UTC, a scheduler runs at regular intervals to:

  * Review a cardholder's purchase transaction data
  * Calculate the total roundup amount
  * Initiate the deduction from the donor's card  
* **Automated Transfers**: These small amounts accumulate over time and are transferred monthly to the charity, with the total donation reflected on the cardholder's account.

* **Smart Threshold Handling**: If the calculated donation amount falls below the minimum threshold set by the charity program:

  * The amount is carried forward to the next month.
  * If the cumulative amount meets the threshold in the following month, it is deducted.
  * If not, the donation is ignored.
  * The donation never exceeds the maximum amount configured by the donor.
* **Automated Processing** : With every transaction made on the enrolled card, Mastercard Donate rounds up the purchase amount to the nearest dollar. The difference is set aside as a donation to the selected charity.  

\*\*Click here for an example on roundup donations:\*\*

#### Assume that the: {#assume-that-the}

* Thresholds Set by Charity: The minimum is $3 and the maximum is $20.
* Monthly Maximum Donation Configured by Donor: $20
* **Transactions for the month are:**
  * Transaction 1: The purchase amount is $3.10, then the purchase amount is rounded up to $4.00. Therefore, the donation is $0.90.
  * Transaction 2: The purchase amount is $7.50, then the purchase amount is rounded up to $8.00. Therefore, the donation is $0.50.
  * Transaction 3: The purchase amount is $12.75, then the purchase amount is rounded up to $13.00. Therefore, the donation: $0.25.
* **Total Donation Amount** for the month is the sum of the rounded amount of each purchase transaction, that is, $0.90 + $0.50 + $0.25 = $1.65. But since the total donation amount ($1.65) is below the minimum threshold of $3, it is carried forward to the next month.
* **Transactions for the next month are:**
  * Transaction 1: The purchase amount is $9.20, then the purchase amount is rounded up to $10.00. Therefore, the donation is $0.80.
  * Transaction 2: The purchase amount is $15.40, then the purchase amount is rounded up to $16.00. Therefore, the donation is $0.60.
* **The total donation amount** for the next month is:
  * Carried forward amount from the previous month is $1.65.
  * The new donation is $0.80 + $0.60 = $1.40.
  * Therefore, the Cumulative Total Donation Amount is $1.65 + $1.40 = $3.05.
* As the cumulative total ($3.05) is above the minimum threshold ($3), so the amount will be deducted from the card.
* If the cumulative amount exceeds the maximum donation amount configured by the donor, that is, $20, the donation is capped at $20 for that month.

## Donation Schedule {#donation-schedule}

| Donation Type |   Date of Execution   | Retry |                                                                                                                                       Description                                                                                                                                       |
|---------------|-----------------------|-------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| MONTHLY       | Once in a day         | 0     | A monthly donation batch is triggered every day at 12:00 AM UTC. Transactions are initiated for the donors who registered for the monthly donation type that is processed once a month starting from the day of registration.                                                           |
| MICRO         | Fourth of every month | 0     | On the fourth of every month, a scheduler reviews the cardholder's transaction history, calculates the total micro donation amount, and initiates the deduction from the card. A micro donation batch triggers on the fourth of every month at 1:00 AM UTC to process the transactions. |
| ROUNDUP       | Third of every month  | 0     | The roundup donation batch triggers on the the third of every month at 1:00 AM UTC and process the transactions for the donors who have registered for this donation type                                                                                                               |

## Validations to make a donation {#validations-to-make-a-donation}

The validations that apply to a donation transaction are:

1. The Card Verification Code (CVC) is optional, but Mastercard recommends providing a CVC value for a transaction for security purposes.  
2. If the CVC is included in the payload, Mastercard Donate performs a basic length validation before passing to the gateway.
3. On receiving the CVC, the issuer or acquirer must validate it.
4. If no CVC is provided, Mastercard Donate forwards the PAN and card expiry details to the payment gateway.
5. If pre-authentication details are included in the payload, Mastercard Donate processes the transaction as INTERNET, otherwise, it processes the transaction as a MOTO transaction.
6. The Mastercard Donate service now supports tokenization and Strong Customer Authentication (SCA) flows.
   > * If the card is 3D-Secure (3DS) enabled, it is recommended to include EMV 3DS details in the payload. Mastercard Donate then authorizes the card details with the payment gateway, generates a token if the card is not already tokenized, and processes the transaction as a Non-MOTO transaction.
   > * If EMV 3DS details are not provided, the transaction is processed as a MOTO transaction.
   > * This applies to all donation types, including recurring transactions.
7. The average API response time is between 2 to 5 seconds.
8. For guest and one-time donations, the response time may vary depending on the authorization response by the acquirer or issuer.  

Note: However, for micro and roundup donations made using non-Mastercard brand cards, such as Visa, Amex, or RuPay, donation transactions are not automatically processed.  

Issuers must upload donation transaction data using a different process. For more details, refer to the [Manage Micro and Round-up donations from Non-Mastercard Brand Cards](https://developer.mastercard.com/donations/documentation/use-cases/manage-nonma-micro-rndup-dntns/index.md) section.