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About CAF Bank and Transaction Charges

We use CAF Bank to process online donations because it enables our supporters to make donations conveniently using a credit or debit card, via PayPal, or to set up a Direct Debit for regular donations.  CAF is fully PCI (Payment Card Industry) compliant, so you can be confident that your donations are processed securely.

There are always fees for processing transactions online, even for donations to charity.  For St Martins, CAF automatically claims Gift Aid for us on eligible donations, reducing our administration costs.  The transaction fees are minimal, making CAF the most cost-effective online donation processing method available to us.

This enables us to make the most of your donation to support homeless people.

For one-off donations CAF charges a fee of 3.6% of each transaction, including Gift Aid.  That means that if a donation is eligible for Gift Aid, we receive the full donation amount plus most of the Gift Aid.

For example, for a donation of £10.00 with Gift Aid, we receive an additional £2.50 in Gift Aid.  The transaction fee is £0.45, so the total received by St Martins is £12.05.

For regular donations, the fees are lower.  There is a £1 set-up fee for every new Direct Debit instruction, then a fee of 2.0% of the total donation, capped at £5 per donation.

For example, for a monthly donation of £10.00 with Gift Aid, the total annual donation is £120.00, plus £30 Gift Aid.  The fees per month are £0.25, plus an initial start up fee of £1, which makes £2.50 of fees payable in the first year.  The total received by St Martins in year 1 is £147.50, and £148.50 in each subsequent year.

If you prefer, you can still donate by cheque made payable to St Martins Housing Trust and sent to St Martins Housing Trust, 35 Bishopgate, Norwich NR1 4AA.  Please download our donation form here: Donation Form

Make and online donation via CAF.

Your gift will make a big difference to the lives of homeless people by helping to provide emergency accommodation for rough sleepers, as well as intensive support with mental and physical health needs to reduce the likelihood of them returning to living on the streets and give them hope for a better future.

Thank you.