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New startup ideas · Direct giving, without the middlemen · Direct rails: donor to need with nothing skimmed

startup concept

Givewire

Pay-by-bank donation checkout that replaces the card fee with a flat quarter

A donation checkout button that moves gifts over RTP and FedNow directly from the donor's bank account to the charity's, settling in seconds.

0

similar startups, last 2 years (4 all-time)

no

no public money matching the concept's terms

Test it before you build it

$650 · 4 weeks · 20 prospects

For $650 and 4 weeks, prove that small-gift donors finish a bank-login checkout and that nonprofit finance directors will pay a $250 deposit to replace their card-fee line with a flat quarter.

Riskiest assumption · Donors giving under $100 will complete a bank-login checkout at 75% or more of the card completion rate when told the fee saving goes to the charity - if they abandon, the finance director's fee savings are erased by lost gifts and no one embeds the button.

1Focus group: who and where

Finance director or executive director of a US 501(c)(3) with a $500k-$5M budget that processes 1,000+ online gifts a year, mostly under $100, through a hosted form like Donorbox, Givebutter or PayPal, and reviews the processing-fee line every month-end close.

where to find 20 · The Nonprofit Happy Hour Facebook group (75k+ nonprofit staff, fee complaints are a recurring thread); a state nonprofit association member directory such as the Minnesota Council of Nonprofits or the California Association of Nonprofits, filtered to organizations under $5M; the monthly meeting of a local Association of Fundraising Professionals (AFP) chapter, where development and finance staff sit in the same room.

2Sell first, build later

A drop-in 'give by bank' button next to your existing card form plus a daily reconciliation feed for your bookkeeper, live within 60 days of the cohort filling, at a flat $0.25 per completed gift with no percentage and no tip prompt.

the ask · $0.25 per completed gift, $0 monthly; reserved with a $250 refundable deposit that also covers setup

a real yes · A real yes is a paid $250 reservation invoice or a signed pilot agreement with a go-live month; compliments, 'we would switch', and requests to circle back after the gala are not yes

3Small experiments

The first one attacks the riskiest assumption; each ends with a number that says whether to run the next.

  1. 1. Donor bank-flow completion test

    $400 · 14 days

    Recruit 3 nonprofits from the Facebook group with a $100 honorarium each to switch on the bank-payment option their existing processor already offers (Donorbox and Givebutter both support Plaid-linked bank gifts) and add one line of copy: 'Give by bank - the card fee goes to our mission instead.' Track started-vs-completed bank flows against card flows over two weeks on at least 150 bank-flow starts. One founder sets up the tracking, the nonprofits change nothing else.

    keep going if · Bank-login flow completes at 60% or better absolute, and at 75% or more of the same page's card completion rate, on 150+ starts

  2. 2. Fee-line pitch calls

    $100 · 10 days

    Build a one-page calculator: paste in last year's online gift count and volume, out comes the card fee paid vs the flat $0.25 total. Book 20 calls with finance directors sourced from the state association directory and AFP chapter meetings, walk the calculator with their real numbers, and ask them to pull their last processor statement on the call.

    keep going if · 10 of 20 calls end with the prospect sharing a real processor statement and booking a pilot scoping session

  3. 3. Founding-cohort reservation

    $150 · 14 days

    Put up a one-page site with the calculator, the $0.25 price, and a first-50-charities cohort with a named go-live month. At the end of each pitch call, send an invoice for a $250 refundable reservation payable by ACH or check, since nonprofits pay invoices, not consumer checkout links. Count who pays within 14 days.

    keep going if · 6 of 20 pitched organizations pay the $250 reservation within 14 days of the call

4Collect a deposit up front

Tesla took $1,000 refundable reservations for the Model 3 and $100 for the Cybertruck before building either: the deposit is the measurement, not the revenue.

$250

per prospect, refundable

how · A $250 refundable reservation invoiced to the organization and paid by ACH or check, signed off by the finance director or ED - an invoice matches how nonprofits actually move money, where a consumer checkout link would stall in their approval process set up: Stripe Invoicing ↗

what it reserves · A slot in the first cohort of 50 charities, the $0.25 flat fee locked for 24 months, and free setup and reconciliation-feed configuration

refund · Refunded in full any time before go-live, or within 30 days after go-live if completion rates disappoint, by returning the ACH.

target · 6 paid reservations from 20 pitched organizations within 30 days

before taking money · Moving donor funds is money transmission, so run every live-money test through the charities' existing licensed processors and do not touch, hold or route a dollar of donations until counsel and a sponsoring bank or licensed partner are in place.

Go: build it if

Bank flow completes at 60%+ absolute (75%+ of card rate) on 150+ starts AND 6+ of 20 organizations pay the $250 reservation - build the button.

Kill: stop if

Bank completion under 50% of the card rate on 150+ starts, or 2 or fewer reservations from 20 pitches - the stated abandonment risk is real or the fee line does not hurt enough.

5 Scripts to run itoutreach message, landing copy, deposit terms · click to open

outreach message

Saw your post about processing fees eating small gifts - on a $20 donation the card rails take $0.88, which is 4.4%. I'm building a give-by-bank button that settles donor-to-charity in seconds and costs a flat $0.25 per gift, no percentage, no tip prompt. Before writing code I'm testing completion rates with three nonprofits and comparing real fee statements with twenty finance directors. Could I get 20 minutes this week to run your last processor statement through the math?

landing page

Keep the 2.9% + $0.30 your card processor takes today Flat $0.25 per gift, donor bank to your bank in seconds - reserve a first-cohort slot for $250, refundable Request your invoice and lock $0.25 for 24 months

deposit terms

Your $250 reservation holds one of 50 first-cohort slots and locks the $0.25 flat fee for 24 months; it also covers setup and your reconciliation feed. It is fully refundable any time before go-live, or within 30 days after go-live for any reason. Target go-live for the cohort is within 60 days of the cohort filling.

Would you run this test?

One tap. The yes-share feeds the Demand pillar of this idea's score; nobody sees who answered.

Budgets are out-of-pocket estimates for a team of one to three, US market. Size the deposit to the deal, and check the terms before taking money in a regulated line.

Scorecard

Ranked against every idea in the catalog: trend, demand and 100x potential from the corpus, competition relative to the other ideas. A generated concept has no judges or swipes yet, so its pillars use the data signals only.

28

Idea Score, 0-100 · raw 16.9 x 1.64

Open

competition: more crowded than 12% of ideas · headwind x0.94

+0.0

government priorities, secondary (0 matching grants)

Trend

29

Is the wave forming now? 2025-26 entrants vs 2023-24, rounds since 2025, the sector's live-batch direction, the 2026 trend analyst.

  • Entrants 2025-26 vs 2023-24 (similar companies)3
  • Rounds announced 2025+ in the sector33
  • Sector direction (live batch)50

Demand

32

Does anyone want it? YC's current RFS, companies already paid for something similar, the operator judge, founders' yes-rate in decks, readers who would run the test.

  • YC asks for it (current RFS: idea / sector)30
  • Someone already pays (similar companies, recent / all-time)33

100x potential

6

Can it return a fund? The venture judge (double weight), market-size and moat axes, neighbours still alive, the technologist judge.

  • Neighbours still alive6

Score = 100 x cbrt(Trend x Demand x 100x) x (1 - 0.5 x crowding) + government bonus (max 5), calibrated so the 95th-percentile idea scores 90 (order never changes). A geometric mean: a weak pillar cannot be papered over. Percentiles are among the 382 ideas in the catalog; the terms matched were pay-by-bank, donation, checkout, replaces, card, fee, flat, quarter.

The concept in full

What
A donation checkout button that moves gifts over RTP and FedNow directly from the donor's bank account to the charity's, settling in seconds. Small nonprofits embed it next to their card form and keep the 2.9% plus $0.30 that cards take today. Takes cost out: skips the card processing fee and the tip prompt, charges a flat $0.25 per completed gift.
Grounded in (2025-2026 signals)
The One Big Beautiful Bill Act, signed July 4, 2025, lets the 86% of taxpayers who take the standard deduction deduct up to $1,000 of cash gifts starting tax year 2026; Tax Foundation scores the non-itemizer deduction at $74 billion over 2025-2034. GoFundMe's December 9, 2025 report counts nearly 80 million donations, each carrying a processing fee and a tip.
What it rides
Universal charitable deduction from 2026, which pushes a wave of small cash gifts from standard-deduction filers onto rails where fixed card costs bite hardest
Why now
Tax year 2026 is the first in which 86% of filers get a deduction for cash gifts up to $1,000, and the marginal gift it produces is small: on a $20 donation the fixed $0.30 alone is 1.5% before the percentage, so a flat-cent bank rail beats cards exactly where the new volume arrives.
Wedge: first customer and entry point
Fifty small nonprofits that already use hosted donation forms; ship a drop-in button and a reconciliation feed, win on the finance director's monthly processing-fee line item.
Closest real companies, as the generator saw them
Fundraise Up is a card-first donation platform, not a bank rail; Chariot's DAFpay adds a DAF button at checkout with an average gift near $1,000, while Givewire targets the sub-$100 cash gift where card economics fail. Metal sells fundraising intelligence, not payments.
Main risk
Donors abandon bank-login flows at checkout at rates that erase the fee savings for the charity.

Similar startups in the directory

Companies whose pitch matches most of the concept's terms (pay-by-bank, donation, checkout, replaces, card, fee, flat, quarter).

  • Parleyyc S24 · 2024 · Vertical AI agentsalive

    Automating flat-fee legal work, starting with work visas + green cards

  • Cardpoolyc W10 · 2010 · Consumeracquired
  • コングラント株式会社plugandplay · Commerce and marketplacesalive

    Congrant is a fundraising platform that collects donations and charity for NPOs, social enterprises, and voluntary organizations.

  • Lunchplugandplay · Fintechalive

    Lunch is building the payment infrastructure for the offline economy.

Public money in this direction

US federal grants and open opportunities matched to the concept's terms.

No matching grants or programs tracked; 2 startup-relevant grants exist in Fintech overall.

Other concepts in this collection

Fictional concept generated 2026-08-26 by claude-fable-5 from the collection's brief and MarkosWeb data. Treat it as a research prompt, not a plan.