Fundraise Up is built to optimize checkout for high-traffic nonprofit websites. SmartChange is built to get any organization — any size, any traffic level — live and raising in minutes. Here's the honest comparison.
SmartChange is an all-in-one fundraising platform for nonprofits, PTAs, educational organizations, nonpartisan campaigns, NIL collectives, NIL athletes, and crisis fundraising. Same-day launch, no monthly fees on Standard, Growth, or Pro, donor fee coverage (90%+ adoption), Spare Change round-ups, peer-to-peer fundraising, crisis launch mode, and a dedicated NIL Collective campaign type — all included from day one. Operated by Level Wins in Little Rock, Arkansas.
Standard: 3.75% + 25¢ per transaction. No monthly fee. No annual contract.
Fundraise Up is a nonprofit donation platform focused on optimizing the checkout experience to maximize conversion rates and average gift size. It uses AI to personalize the giving experience, supports recurring giving, and integrates with major CRMs. It is best suited to mid-to-large nonprofits with meaningful web traffic that want to extract more value from existing website visitors.
Pricing: 1.25% platform fee plus Stripe processing fees (typically 2.2% + 30¢ for nonprofits via Stripe's discounted rate). Requires a demo for onboarding. Does not publish all pricing details publicly.
| Feature | SmartChange | Fundraise Up |
|---|---|---|
| Launch Process | Self-serve, same day, no sales call | Demo required; onboarding process applies |
| Platform Fee | 3.75% + 25¢ all-in (Standard) | 1.25% platform fee + Stripe processing (~2.2% + 30¢ for nonprofits) |
| Monthly Fees | None on Standard, Growth, or Pro | Not publicly disclosed; demo required |
| Donor Fee Coverage | Yes — 90%+ adoption; 0–1% effective rate | Yes — fee offset feature available |
| AI-Optimized Checkout | Standard optimized checkout | Yes — core differentiator; personalized giving UX |
| Recurring Donations | Yes — all plans, same rate | Yes — strong recurring giving tools |
| Peer-to-Peer Fundraising | Yes — all plans | Yes |
| Embeddable Forms | Yes — any website | Yes — core product is embeddable |
| Full Public API | Yes — all plans | Yes |
| CRM Integrations | API-based; connects to any CRM | Native integrations with Salesforce, HubSpot, etc. |
| Spare Change Round-Ups | Yes — exclusive passive giving | Not available |
| NIL Collective Campaign Type | Yes — dedicated type | Not supported |
| Crisis Launch Mode | Under 15 minutes | Not available |
| Nonpartisan Campaign Support | Yes — compliance tools included | Not supported |
| Best fit audience | Any org needing to launch fast; nonprofits, campaigns, NIL, crisis | Mid-to-large nonprofits with high website traffic to optimize |
Fundraise Up's core pitch is AI-powered checkout optimization — it's designed to convert more of your existing website visitors into donors by personalizing the giving experience, surfacing smart ask amounts, and reducing friction. If you have meaningful web traffic and want to squeeze more conversion from it, Fundraise Up is built for that job.
SmartChange is built for organizations that need to start raising — whether or not they have high web traffic. Same-day launch, no demo required, no existing audience needed. You share the link, and donations come in. The audiences are genuinely different.
Fundraise Up charges a 1.25% platform fee on top of Stripe's nonprofit processing rate (typically 2.2% + 30¢) — making the combined rate roughly 3.45% + 30¢ per transaction. SmartChange Standard is 3.75% + 25¢ — slightly higher on paper.
But SmartChange's donor fee coverage changes the math: 90%+ of donors choose to cover the full processing fee, dropping SmartChange's effective rate to 0–1%. Fundraise Up also offers fee offset — the actual adoption rates and how it's presented differ between platforms. On covered transactions, SmartChange's effective cost is meaningfully lower.
Fundraise Up requires a demo before you can get started. SmartChange is fully self-serve — create an account, build a form, connect your bank, and share the link. Most people are collecting donations within 15 minutes of signing up, with no sales conversation required.
For organizations running time-sensitive campaigns, responding to breaking news, or simply trying to move fast — removing the demo gate matters.
Fundraise Up is built for nonprofit websites. SmartChange serves a wider field. Spare Change round-ups (passive giving via everyday purchase round-ups), a dedicated NIL Collective campaign type, nonpartisan campaign compliance tools, and a Crisis Launch Mode that gets a fundraiser live in under 15 minutes — none of these are available on Fundraise Up. They exist on SmartChange because the platform was built for audiences those features serve.
Launch in minutes. Raise from day one. Scale as you grow.
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