How a round-up becomes a donation.
Five steps from choosing an organization to the day it’s paid. Nothing is collected until you authorize it.
Step 1: Choose an organization.
Pick a masjid, nonprofit or local initiative. Every one is reviewed before it’s listed, and you can switch later.
PreviewChoose your organizationSearch by name or citySample MasjidMasjid · Sample citySample Food PantryGroceries for local familiesSample Youth ProgramLocal initiativeOnly organizations Seed has reviewed are listed.ContinueStep 2: Link your cards and a bank.
Cards you turn on are tracked for round-ups. Donations come from one bank. Both connect through Stripe, and you authorize the debits once, in the app.
- Checking withdrawals stay in review, since bank data can’t tell purchases from bills.
PreviewAccountsCards and checkingCredit card ••4242Rounds upChecking ••6789Tracking off+Add a bank or cardBank accountSample Bank ••6789ReadyLinked through Stripe. Donations come from this bank.Step 3: Purchases round up.
When a purchase posts, Seed rounds it up to the next dollar.
- A whole-dollar purchase adds nothing.
- Pending charges count once they post.
- Transfers, card payments and refunds don’t count.
PreviewActivityRound-upsBefore SeedGivenSep 23 to Oct 22$8.10From 13 purchases since you started.Coffee shopOct 23 · $6.14+$0.86CountedBookstoreOct 23 · $15.00+$0.00Whole dollarLunchOct 23 · $18.65+$0.35PendingCard paymentOct 22 · $240.00—Not a purchaseStep 4: At $5, Seed collects $5.
Seed debits $5 from your bank by ACH. Anything over $5 waits for the next one, and a failed debit isn’t retried.
Preview
Hi, AminaRound-ups this month$10.04$5.00 reachedGiven so far$5.00Giving toSample MasjidMasjidRecent round-upsView allGroceries$47.12 · Oct 22+$0.88Pharmacy$7.56 · Oct 21+$0.44Step 5: Then it’s given.
Once the collection completes, the donation is recorded for your organization and a receipt appears in the app. The organization is paid out separately.
After a $5 collection
- Round-ups reach $5Recorded in your Activity.
- Collection submittedSeed debits $5 from your bank by ACH. Processing is not yet a donation.
- Collection completesYour bank pays it. A payment receipt appears in the app.
- AllocatedThe donation is recorded for your organization, after Seed’s fee.
- Organization payoutPaid to the organization separately, on its payout schedule.
Who sees what.
Stripe connects your accounts. Seed sees only what it needs to count round-ups. Your organization sees donations, nothing more.
| Information | Stripe | Seed | Organization |
|---|---|---|---|
| Your bank sign-inIn Stripe’s window or on your bank’s own page | |||
| Full account and routing numbersFor the bank donations come from | |||
| Bank name and last four digitsSo you can tell your accounts apart | |||
| Purchases on accounts you trackAmount, date and merchant, to count round-ups | |||
| Your donationsAmounts, dates and status |
Good to know.
The full rules are in the Terms.
- Pausing
- Nothing is collected while giving is paused, and purchases don’t round up.
- Your limit
- Optional. It caps donations; the small monthly bank-data charge sits outside it. See the Terms.
- Past round-ups
- Seed asks once whether to give round-ups from before you joined, as one payment you confirm.
- Receipts
- Payment receipts are in the app. Your organization provides donation acknowledgments.
- Stopping
- Unlink a bank, withdraw your authorization or delete your account in Settings.
- Zakat
- Round-ups are voluntary sadaqah. They don’t automatically fulfill zakat.