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Credit Card Fees Comparison

Silent Auction Pro™ partners with Worldpay (formerly Vantiv Integrated Payments) and PayPal - industry leaders in PCI DSS compliant payment processing, to offer fully-integrated, secure and cost-effective payment processing. The best processor solution depends on the size of your event, the type of cards your guests use, your organization's charitable status and if you already have a account with one of our partners. The table below outlines the various fees in a side-by-side comparison.

We are currently recommending that customers DO NOT GO WITH PayPal. They are having technical issues boarding customers that they are currently unable to resolve. This has resulted in our customers being approved but unable to process transactions. Unfortunately this started in October 2018 and has yet to be resolved.
Processing Fees
Fee Worldpay PayPal (Non-501c3) PayPal (501c3)
Card Present Processing Fee (such as Online ticket sales) 2.9% (1)(2) 2.9% 2.2%(2)(3)
Standard Processing Fee (Using stored credit cards, non-AmEx) 2.9% (1)(2) 2.9% 2.9%(2)(3)
Processing Fee (American Express) 2.9% (2)(4) 3.5%(4) 3.5%(4)
Per Transaction Fee (all card types) n/a $0.30 $0.30
Min Monthly Fee n/a n/a n/a
Reader Rental $35/reader (5) n/a (6) n/a (6)
(1) The quoted 2.9% rate applies ONLY to NEW Worldpay customers. For Worldpay customers (or former Vantiv customers) who created an account before January 11, 2019: Worldpay charges 1% over the Interchange rate charged by the credit card companies. The rate you would pay will depend on the type of card your customer uses and will typically range from 2.5% to 3.5%. Standard bank cards will be at the lower end while high rewards type cards will be at the upper end.
Existing customers who would like to switch to the 2.9% flat pricing should contact Worldpay Customer Care at 800-846-4472 and ask for Merchant Liaison/Retention Team. From there you will be routed to the appropriate representative who will re-apply/adjust your account to the new flat-rate pricing.
(2) The lowest rates (those quoted above) are for "card present" transactions where the credit card is immediately charged. Transactions using stored credit cards are a bit more expensive as they involve more risk for the processor. In general we recommend using stored cards during check-out as that speeds up the check-out process and keeps your attendees happy. On average, stored cards at PayPal will process at or around the Non-501c3 rate of 2.9%. Please see a full description of merchant fees at
(3) To receive the non-profit rate you must complete PayPal's non-profit application and be approved.
(4) American Express cards may process at a higher rate than all other cards, dependent on card processor, as well as other factors. Also, American Express usually requires a separate approval process when you apply for a PayPal merchant account. Worldpay provides an integrated approval to American Express.
(5) For added security, Worldpay requires encrypted credit card readers. You may purchase these directly from Worldpay for ~$100 or rent them from Silent Auction Pro for $35 per reader for your event.
(6) PayPal uses un-encrypted readers that can be purchased for $20-$50. Worldpay's readers are encrypted for additional security. For more info, see our Credit Card Readers help page.
  1. To receive the PayPal 501c3 rate you must complete the PayPal application at
  2. PayPal supplied mobile chip/card readers will NOT work within Silent Auction Pro. You MUST have a corded USB card reader. Please see our Credit Card Readers help page.

Ready to sign up?

Click here to begin the account creation process for Worldpay

Click here to begin the account creation process for PayPal

To rent credit card readers for Worldpay accounts:

Silent Auction Pro offers credit card reader rentals for Worldpay customers. These readers are USB based plug-and-play units that require no additional software and are specific to groups using Worldpay's integrated solution. Rental fees are $35.00/reader and should be reserved at least a month ahead of your event. To determine how many stations (readers, computers, printers) you will need to streamline check-out, see the table below. At minimum, two are recommended to have one as a back-up.

You must be a Group Administrator level member to request credit card readers. Reserve your credit card readers by completing the Credit Card Reader Request Form. Mouse over the Group Admin menu item and click Request Credit Card Readers. The form contains the following fields:

After verifying your information, click Generate Contract to view the card reader contract. Review the contract, scroll to the bottom, check the "I agree..." checkbox then click the Send Reader Request button. This will email your card reader request to our Customer Service department and they will respond with a confirmation email and credit card receipt within 24 hrs. A confirmation of the request will also be sent to the email address you provided.

Recommended Number of Stations
Attendees Readers

To test the card readers

Test the card readers as soon as you receive them. Plug the card reader into the USB port of your computer. Log in to your group and run a $1 donation on your credit card.

A few notes about credit card processing, associated fees, and supported credit cards

While you can process credit cards through Silent Auction Pro using a different payment vendor certain functionality is disabled, such as support for online ticket sales, online bidding, and express check-out (placing cards on file). See the FAQ topic, Can I use my own credit card processing company?.

Any type of credit card can be processed through Silent Auction Pro depending upon the arrangements a group makes with your processor choice, however, rates vary. These rates are not set by Silent Auction Pro.

Refer to the Event Fields table in the Events help topic for more on custom messages.

Signatures are not required for credit card purchases though having a signature helps should a payer dispute a charge. Billing address need not be provided.