DAF grants and your payout

Charity-card (DAF) donations behave differently from card donations in one important way: the approval is instant, but the money travels later. This article explains what that means for your payout.

Why DAF money shows "in transit"

When a donor pays with an OJC, Donors' Fund, Pledger, Matbia, or iMaaser card, the fund approves the grant at checkout — the donation is real, it counts toward your campaign total, and the donor is done. But the fund then sends the actual money on its own schedule, typically by check or transfer that can take days or weeks to arrive.

Until that deposit lands, the grant sits in your payouts hub as DAF in transit: fully visible, counted in your raised total, but not part of your payable balance. Pledgix can't pay out money it hasn't received — paying you before the fund's deposit arrives would be an advance, not a payout.

When it becomes payable

Each grant is marked received individually when its deposit is confirmed in the bank, recorded with the actual amount that arrived. Two things happen at that moment:

• The grant moves from in transit to received and joins your payable balance.
• Any difference between the grant amount and the deposit is recorded as the provider's fee — some funds deduct their own processing fee before sending the money. That fee appears explicitly in your payout summary and on your account statement, so nothing is silently missing.

There's no action needed from you; the Pledgix team confirms deposits as they arrive. If a grant seems stuck in transit for an unusually long time, contact us and we'll chase it with the provider.

The per-provider breakdown

Your payouts hub and your account statement both break DAF money out per fund: how much is received, how much is still in transit, and the fees each provider kept. If your bookkeeper wants to know "how much of our balance is waiting on Matbia," the answer is one glance away.

Direct-to-org grants

Campaigns that run on their own payment accounts (rather than the Pledgix umbrella) can still accept charity cards through Pledgix's direct fund integrations. Those grants settle from the fund straight to your organization's own account — the money never passes through the Pledgix balance at all.

These appear in your payout summary as a separate direct-to-organization bucket: shown for completeness so your campaign totals reconcile, but never counted in the Pledgix payable balance, in transit, or in your Pledgix payouts. Reconcile them against your own bank statements.

Tip: Planning cash flow around an event? Treat card money as this week's money and DAF money as next month's. The in transit figure on your payouts hub tells you exactly how much is still on its way.