The Hidden Tax on Non-Profit Fundraising
For years, conventional crowdfunding portals and donation aggregator platforms have operated on a commission-deduction model. While they advertise "zero setup fees", the fine print frequently reveals a 2.5% to 5% commission deducted from every rupee donated, plus GST and delayed T+3 or T+7 settlement schedules.
What is Bring Your Own Keys (BYOK)?
BYOK (Bring Your Own Keys) represents a paradigm shift in philanthropic technology. Instead of passing donor money through a middleman's merchant account:
- The NGO creates its own verified account directly with authorized payment gateways like Razorpay, Cashfree, or PhonePe.
- The NGO copies their secure API Key and Secret into their private Portalwale settings.
- When a donor pays ₹5,000, 100% of that ₹5,000 settles straight from the donor's bank into your Trust's bank account on an expedited T+1 basis.
Zero Platform Cuts & Direct Trust Merchant Branding
With BYOK, your donors see your organization's official legal name on their bank statements and UPI payment apps (e.g., "Paid to Aarav Child Welfare Foundation") instead of a third-party platform's name. This builds unmatched donor trust and repeat giving retention.
Enterprise-Grade AES-256 Key Security
All merchant API credentials entered into your portal dashboard are cryptographically encrypted using OpenSSL AES-256-CBC at rest with per-organization isolation. No central administrator or external process can ever access or leak your secret keys.
