Stripe treats your mosque like a merchant. Your platform is a wrapper on Stripe. The dashboard you log into isn't even yours. Ummah replaces the entire stack.
Live in days · Free migration · You keep your brand, your donors, your data
$100.00
Clean Water — Ghana
“Your $100 reached us. This is the well it helped build.”
Field team · Bolgatanga District
Trusted by charities and giving platforms across the US, UK, Canada and Europe.
Sub-accounts
Today, sending funds from your US account to a field operation abroad means incorporating locally, wiring through a partner, or losing a week and a cut to both. With Ummah, you open a new account in a new currency from your dashboard — and the money lands in days, not weeks.
GHS — Ghanaian Cedi
Settlement currency
Available balance
₵ 148,200.00
Portal
Most giving platforms are a wrapper on Stripe or Adyen. That means the merchant portal — every transaction, refund, payout and dispute — sits with a processor you have no relationship with. Ummah gives you the portal. In your name, under your brand.
Transactions
Last 24h| Donor | Amount | Cause | Status |
|---|---|---|---|
| A. Rahman | $250.00 | Emergency Appeal | Settled |
| M. Okonkwo | £80.00 | Water — Ghana | Settled |
| S. Haddad | €1,200.00 | Zakat Fund | Processing |
| J. Whitfield | $35.00 | Monthly Giving | Settled |
| N. Farah | C$500.00 | Orphan Sponsorship | Scheduled |
Checkout
We know what this donor has given, where, when, and to whom. So we show them the right cause, the right amount, and the right ask. Same traffic. Materially more revenue.
Give to Clean Water — Ghana
Suggested for a first gift · cancel anytime
Welcome back, Yusuf
You gave $250 to Zakat last Ramadan · 100% policy applies
Ummah Intelligence
Second-donation rate, lapse risk, and lifetime value tracked on every donor. Ummah re-engages them by SMS and email on your behalf, automatically.
The stack
DONATION
£120.00
Accept cards, digital wallets, bank transfers and local methods across 90+ countries from one integration. Currency conversion and method selection happen automatically for every donor.
ROUTING
Optimising path…98.4% average approval rate
Every donation is routed to the optimal acquirer based on cost, geography and approval likelihood. Retry and fallback logic recovers failed gifts without touching your integration.
SPLIT
£10,000 received
Settled to 3 sub-accounts · same day
Automate splits between the platform, the charity and the programme. Configure fees, schedule settlements and manage multi-party payouts from a single API.
ONBOARDING
Onboard charities and sub-organisations with built-in KYC, charity registry checks and compliance screening. Activate payments and payouts in minutes, not weeks.
{
"amount": 2500,
"currency": "GBP",
"campaign": "water_kilifi",
"gift_aid": true
}A versioned REST API with backward-compatible endpoints, SDKs for JavaScript, Python, Go and PHP, and a sandbox with event simulation for the full donation and proof lifecycle.
Security & compliance
PCI DSS v4 Level 1 compliant. End-to-end encryption from capture through authorisation, tokenised card storage with full portability, and real-time fraud monitoring.
Donor Tracking
Ummah closes the loop at the level of the individual donation. The people who received the funds record what happened — a photo, a video, a message — and it goes back to the donor who paid for it. Not an annual report. Not a newsletter. Proof, attached to their donation.
A donor completes checkout. The gift is tagged to a project and a field team.
Clean Water — Ghana
The team on the ground records what the money did — a photo, a video, a message.
It returns to the individual donor's phone, attached to the donation they made.
$100.00
“Your $100 reached us. This is the well it helped build.”
Bolgatanga District · 10 days after your gift
Recipient consent, face-optional formats and deletion rights are built into every capture flow.
The Standard
Charities that complete the feedback loop earn Ummah Verified — a credential you can display on your own site, and the key to a growing pool of committed weekly donors who fund transparent causes only.
Read the Standard →The giving pool is held and distributed by the Ummah Foundation under independent trustee oversight.
distributed to verified causes
Most giving platforms resell Stripe and add their margin on top. You pay for two businesses. Ummah is the processor — which means our pricing isn't a markup on anyone.
30+
Countries supported
100+
Payment methods
99.9%
Uptime SLA
Days, not weeks
Settlement speed
Testimonials
“We moved four currencies and eleven restricted funds onto Ummah in a fortnight. The first thing our board noticed was that the reporting finally matched the bank.”
“Donors who receive a proof update give again at nearly twice the rate of the ones who don't. That is the entire retention strategy, and it runs itself.”
“We were renting a merchant portal we couldn't even export from. Owning the processor relationship changed what we're allowed to build.”
Security & compliance
Assessed annually against the current standard, with quarterly scanning in between.
Card data is encrypted in the browser and never touches your servers or ours in the clear.
Your tokens are yours. If you leave, they leave with you — no hostage vault.
Real-time scoring tuned for giving patterns, not retail baskets.
FAQ
Most charities are live in days. Self-serve onboarding and verification typically complete within 48 hours; migrating existing recurring donors and tokenised cards runs in parallel and is handled by our team at no cost. Nothing about your donation pages has to change on day one.
