TLDR: The RoundUp.org platform is SEO optimizing for every nonprofitâs donation page targeting monthly donors and only charging:
- $2 a month from each monthly donation
- up to 4.8% of the monthly amount for third-party processing costs
- up to $1.30 a month for âprocessingâ
First off we want to say this is a master class in geographic SEO engineering, so bravo. Really impressive stuff, unfortunately, the intent is to index for nonprofit branded giving terms to attract monthly donors.
Just jump to bottom to learn how to opt-out (unless they decide to take down these pages).
If you run one of the roughly 1.8 million charities in the IRS file, there is a good chance a page titled âDonate to [your name] by rounding upâ already exists with outdated info paired next to your Charity Navigator rating. You didnât build it. A company called RoundUp.org did, along with one for nearly every other 501(c)(3) in the country.
This way too long article covers two things: what those pages ask a donor to sign up for, and the specific search engine tactics that put them in front of people looking for you.
Quick reminder about this term-> Shadow Donation Page (n.) : a third-party, off-domain giving page auto-generated without the nonprofit’s consent that accepts gifts on the org’s behalf and routes payouts through an intermediary fund that can hold and/or reassign the money if the charity never claims it.
What RoundUp.org is
RoundUp.org, Inc. is a company based in Durham, North Carolina. Its product is âround-upâ giving. A donor links a Visa or Mastercard, every purchase gets rounded up to the next dollar, and the spare change is added up and charged to the card once a month. The minimum is $10 a month. If your coffee habit only rounds up to $6, you pay $10 anyway. Not to be confused with RoundupApp.com which is a longstanding roundup app with opt-in standards for nonprofits.
The money does not go to the charity the donor picked. It goes to Our Change Foundation (OCF), a donor-advised fund run by the giving platform Change. A donor-advised fund is a charitable account held by a sponsoring charity. Once money is in it, the sponsor legally owns it and decides when and where it is granted. OCF then grants the money on to the charity the donor chose, after fees (more on those below).
RoundUp does not wait for nonprofits to sign up. Its page for nonprofits says:
âAll U.S.-based 501(c)(3) nonprofits that are in good standing with the IRS already have a listing page on RoundUp.org.â
RoundUp.org, For Nonprofits page, captured September 22, 2026
The donate button is a monthly-donor sign-up
Every listing carries the charityâs name, address, EIN and a big blue box that reads âDonate to [charity].â The button inside it says Start Rounding Up. Clicking it doesnât make a one-time gift. It opens RoundUpâs donor sign-up with that charity already selected, and the sign-up sets up a recurring monthly charge to the donorâs card.
Translation: each of these pages is a monthly-donor recruitment page with a nonprofitâs name on the door. The nonprofit didnât ask for it.

In response for comment, the founder and CEO of Roundup.org, Jed Carlson confirmed that âAs to search engines: yes, the directory is public, so Google and other search engines can crawl and index its pages. Thatâs intentional. If someone tells a friend, “I started rounding up my credit card purchases for our local animal shelter,” we want that friend to be able to search for the nonprofit plus the words “round up” and find their way to the right place.â
The issue of targeting a known giving term is that it can compete with the existing intent of the nonprofit. In the case of the Red Cross they have several official round up corporate fundraising designations with groups like Walmart Spark Good Program and Krogers.

Source: Screenshot from AI Overview search for a user looking to round up for the Red Cross. 9/28/2026
What a $20-a-month donor actually gives
RoundUp publishes its fees in the âFeesâ section of its Terms of Service, but does not show them explicitly in donation flow or donor dashboard. The checkout clearly makes this a monthly donation gift by having a âmaximum monthly donationâ which acts like the monthly donor amount.
Example of RoundUp.org checkout page for National Council of Nonprofits:


Except, if a donor is directed via search to the RoundUp monthly donate there are three additional fees, and all of them come out before OCF grants anything:
- $2 a month to RoundUp.org, which it retains from each monthly donation as a âfundraising expense.â Its Terms apply the $2 to each registered credit card.
- Up to 4.8% of the monthly total for third-party costs: card processing, the transaction data used to calculate round-ups, and paying the money out to nonprofits by ACH or check.
- Up to $1.30 a month, the fixed part of those same third-party costs.
âRoundUp.org retains $2 from each monthly donation as a fundraising expense. Nonprofits never pay to participate.
There are also third-party costs associated with processing each donation. These include credit card processing fees, fees to securely obtain transaction data used to calculate roundups, and fees to process and distribute donations to nonprofits by ACH or check. These expenses are also paid out from the donated amount. Together, they total a maximum of $1.30 + 4.8% of each donation, but that amount could be lower depending on the volume of donations processed.
After all fees and processing costs, about 85% of the average donation goes to the nonprofit.â
RoundUp.org FAQ, âHow does RoundUp.org cover its costs?â, captured September 29, 2026
Here is what that does to a donor whose purchases round up to $20 a month:
RoundUp.org fees · one card · from its FAQ and Terms of Service
Where a monthly round-up goes
Three fees come out before Our Change Foundation grants the rest to the charity the donor picked. Processing is shown at RoundUp’s stated maximum. Drag to change the monthly round-up.
$15.74
Granted on to the charity
$4.26
In fees (21.3%)
$51.12
In fees over a year
This month's round-up, split
Share of each month's round-up lost to fees
Source: RoundUp.org FAQ, “How does RoundUp.org cover its costs?”: RoundUp.org retains $2 from each monthly donation, and third-party processing costs “total a maximum of $1.30 + 4.8% of each donation, but that amount could be lower depending on the volume of donations processed.” The Terms of Service apply the $2 per registered card and work an example of $100 → $91.90. $10 minimum from RoundUp’s FAQ. OCF grants at its discretion under its grantmaking policies. Updated September 29, 2026; when first captured on September 22, the Terms gave the rate as 4.98%.
| A $20/month RoundUp donor | Per month | Per year |
|---|---|---|
| Donor is charged | $20.00 | $240.00 |
| RoundUp.org fee ($2 per card) | −$2.00 | −$24.00 |
| Processing, up to 4.8% | −$0.96 | −$11.52 |
| Processing, up to $1.30 | −$1.30 | −$15.60 |
| Total fees | $4.26 (21.3%) | $51.12 |
| Granted on by OCF | $15.74 (78.7%) | $188.88 |
RoundUpâs FAQ says âabout 85% of the average donation goes to the nonprofit.â When we first checked, on September 23, the FAQ put the average monthly donation at $32, and the figure holds there: 84.9%. At $20 the charity is in line for 78.7%, and at the $10 minimum itâs 62%. Because two of the three fees are flat dollar amounts, the smaller the gift, the bigger the bite.
âIn line forâ matters here. The Terms say OCF grants the money âin OCFâs sole discretion in accordance with OCFâs then current grantmaking policies and procedures.â Translation: the donor recommends and OCF decides. The Terms also donât say what happens to money designated for a qualified charity that never sets up an account with Change. They say only that OCF âwill send a letter to the organization requesting that the Organization establish an account.â
How 1.8 million pages will get found
A quick primer if search engine optimization (SEO) isnât your day job. Google and other search engines send software called crawlers to read web pages. They decide what a page is about from its title, its headings, its web address and some behind-the-scenes code, then decide whether to show it when someone searches. SEO is building pages so that process goes your way.
Example for National Council For Geographic Education:
Page: https://www.roundup.org/nonprofits/national-council-for-geographic-education-md-gaithersburg-984d3ps

Search result #2 for âdonate to National Council for Geographic Educationâ 9/29/2026

In this case, the Roundup.org SEO generated page shows just below the result for the official donate page for NCGE.
Iâve written before about Front Door Disease: nonprofits pour effort into the homepage when most visitors walk in through side doors. Your organizationâs name is a side door, probably the most important one you have. RoundUp built one for every nonprofit in the country, plus a directory of 142,550 hallways leading to them. Here are the seven tactics that make it work.
1. One page per charity, titled with the charityâs name
Every listing uses the same template. The page title, the words that show up as the blue link in Google, is âDonate to [Org] by rounding up.â The main heading is âDonate to [Org].â The web address holds the name, state and city: roundup.org/nonprofits/american-red-cross-dc-washington-b401a4f. The meta description, the snippet under the link in search results, reads:
âDesignate American Red Cross in WASHINGTON, DC to receive the round ups from everyday credit card purchases on your Visa or Mastercard. Free to sign up, tax-deductible, automatic monthly donations.â
Meta description on RoundUp.orgâs American Red Cross listing
Swap in any other name and city and you have the other 1.8 million pages.

2. A sitemap that hands search engines all 1.8 million
A sitemap is a file a website gives search engines that says, in effect, âhere are my pages, please read them.â RoundUpâs, at roundup.org/sitemap.xml, points to 78 smaller files. One lists RoundUpâs own nine pages. The rest list charities, one file per state, split into parts once a state passes 50,000 pages (California takes four files, Texas three).
We counted every entry: 1,809,242 charity listings, 1,795,060 of them unique. Every one carries the same âlast modifiedâ date (April 1, 2026), the same update frequency (âweeklyâ) and the same priority (0.5). Nobody wrote 1.8 million pages by hand; they were generated from one data file in one batch and submitted together.
You can see the data file showing through. Five of the sitemap files are named after typos in the IRS state field, for example hammond.xml and north-carolina.xml, and each one holds a single charity. (Congratulations to Hammond on its statehood.)

nonprofit/.xml, a file for listings with no state at all. Captured September 22, 2026.
hammond.xml: a sitemap âstateâ created when a city name landed in the IRS state field. It holds one listing. Captured September 22, 2026.3. 142,550 city pages that arenât in the sitemap
Every RoundUp page has a footer link labeled âSitemap.â It doesnât go to the file above. It goes to a browsable directory called âBrowse Nonprofits,â sorted by cause, then state, then city. Each level is its own page with its own title and description:
- 10 cause pages, like âAnimals Nonprofits by Stateâ
- 510 state pages, like âAnimals Nonprofits in North Carolinaâ
- 142,550 city pages across 32,083 cities, like âAnimals Nonprofits in Durham, NCâ
We opened all 510 state pages and counted the city links on each to get that number. None of the city pages are in the sitemap. Search engines reach them by following the footer link down the levels. Each one is built for the search a person makes when they want to give locally, such as âanimal nonprofits in Durham NC.â


These pages are built straight from the IRS address field, bad data included, and nobody has reviewed them. The IRS abbreviates, so North Carolina has separate pages for âCarolina Bchâ and âCarolina Beach.â King of Prussia, Pennsylvania appears as âKng Of Prussa.â One Texas nonprofitâs suite number became a city.


4. Code that lists RoundUp as the charityâs web address
Pages can carry a block of âstructured data,â code written for machines that says âthis page is about an organization, and here are its details.â Search engines and AI tools read it. On each RoundUp listing, that block describes the charity: its name, EIN, street address, phone number and 501(c)(3) status. The field for the organizationâs website doesnât hold redcross.org. It holds the RoundUp page.
To be fair, the visible page does link to the charityâs real website. The version written for machines is the one that points to RoundUp.
5. Someone elseâs rating, coded as a review
The same code block includes a âreviewâ credited to Charity Navigator: a 4-out-of-4 rating for the Red Cross. Review code is what can put gold stars next to a result in Google. Googleâs own guidelines for review snippets say:
âDonât aggregate reviews or ratings from other websites.â
Google Search Central, review snippet guidelines, retrieved September 22, 2026
We did not test whether Google actually shows stars for these pages.
6. Trust signals on every page
Every listing, claimed or not, shows the same set of badges:
- âA Visa and Mastercard approved Financial Partner,â next to both card logos, across the top of the site.
- A âNonprofit Health Checkâ with four green ticks, including âNational Security Background Checks.â The page doesnât say who ran these checks or when.
- Charity Navigator stars and a score.
- âItâs tax deductible,â under the donate button. It is, but the tax receipt carries Our Change Foundationâs EIN, not the charity on the page.
For a charity that has never heard of RoundUp, the ticks look the same as they do for one that signed up.
7. Housekeeping that keeps each pageâs search credit in one place
Every share button (Facebook, X, email) adds tracking tags to the end of the link. RoundUpâs robots.txt, the file that tells crawlers what they may read, blocks every web address with tags like that, under the comment âPrevent duplicate content.â Each listing also names itself as the one official version of the page. Put together, every share adds to one pageâs search credit without creating near-copies that would split it. This is competent, standard SEO work, which is the point.
Is it working yet?
Partly. Moz, a commercial SEO tool that crawls the web much the way Google does, has read 124,239 pages on roundup.org, about 7% of the sitemap. In Mozâs sample of the domainâs top 500 pages, 289 are charity listings and 121 are those city pages. None of the 121 city pages, and 121 of the 187 listings that loaded, has a single link from any other website. Crawlers found them only because RoundUp pointed at them.
Moz is not Google. We havenât measured how many of these pages Google has indexed or where they rank for a charityâs name. Only RoundUpâs own Search Console data can answer that exactly.
RoundUp has since given its own figure. Jed Carlson, RoundUp.orgâs founder and CEO, told us in an email:
âGoogle has indexed just over 3% of the pages on our website.â
Jed Carlson, Founder & CEO, RoundUp.org
We canât check that number, because it comes from RoundUpâs own data. The 7% above is how much of the site Moz has crawled, not how much Google has indexed. Measured against the 1,809,242 listings in RoundUpâs sitemap, just over 3% would be more than 54,000 pages in Googleâs index.
What Googleâs rules say
Google publishes spam policies that describe two practices worth comparing:
âScaled content abuse is when many pages are generated for the primary purpose of manipulating search rankings and not helping users.â
âDoorway abuse is when sites or pages are created to rank for specific, similar search queries.â Googleâs examples include âHaving multiple domain names or pages targeted at specific regions or cities that funnel users to one page.â
Google Search Central, spam policies, retrieved September 22, 2026
Translation: making a lot of pages is allowed. Making a lot of pages mainly to catch searches, and then funneling everyone to the same place, is what Google says it penalizes. Whether RoundUp crosses that line is Googleâs call. The listings do carry real information (EIN, address, mission statement, a Charity Navigator link), and Google may count that as useful. Every listing and every city page ends at the same button: Start Rounding Up.
In fairness to RoundUp
RoundUp is more transparent than several platforms in our Shadow Donation Directory. RoundUp.org, Inc. is registered in California as a commercial fundraiser, and Our Change Foundation is registered as a charity. The fees are published with a worked example. The banner on unclaimed pages names the donor-advised fund. The Terms describe a removal process: a written request, verified within three business days and completed within three more.
That removal process is harder to find than the listings are. There is no removal button, form or link on any listing page. The only instructions are in the Terms and in the nonprofit FAQ, which says to email support@roundup.org and then asks a question of its own:
âRemoval stops future donations but does not affect previously distributed funds. But, why would you want to block anyone from assigning your nonprofit to their Visa/Mastercard?â
RoundUp.org FAQ, âHow do we remove our organizationâs listing?â, captured September 23, 2026

Translation: you can leave, but you have to find the door and write in to ask, and the FAQ wonders why you would want to.
It is still a shadow donation page, 1.8 million times over. Itâs a toll collector standing between a donor and a charity that never asked to be listed.
Full disclosure: Whole Whale, the company behind this site, does search and AI visibility work for nonprofits and is building the open Verified Giving Protocol. So we have a stake in who shows up when someone searches a charityâs name. Thatâs also why we know what these tactics look like.
How to opt-out & What to do now
- Search yourself. Try your name with âdonate,â and your city with your cause, and see who shows up.
- Find your listing, then decide. Search your EIN on roundup.org. To take it down, email support@roundup.org with your organization’s name, EIN and the listing’s web address; there is no button. RoundUp may ask you to prove you speak for the organization, and its Terms say removal happens within three business days after that. It stops future donations; it does not affect money already distributed.
- Make your real donate page easy to find. Use a clear
/donateaddress, add your own organization structured data with your real website in it, and link to it from every profile you control. - Tell your monthly donors where to give. If someoneâs already rounding up for you through RoundUp, theyâre paying up to 21.3% at $20 a month to do it. A direct monthly gift costs you a card processing fee.
How we did this
On September 22, 2026 we downloaded RoundUpâs sitemap and all 78 of its files and counted every entry; opened all 510 state directory pages at one request per second and recorded every city link; read the page code of several listings; pulled crawl data from the Moz API; and captured screenshots in Chrome, each logged with its web address, status and time. Fees are from RoundUpâs Terms of Service and FAQ as published that day. Googleâs policy text is quoted as published that day.
Nonprofit News Feed sent RoundUp.org and Our Change Foundation questions about the listings, the directory pages, the fees, and what happens to money for charities that never register. This piece will be updated with any response.
For every platform that builds donation pages for nonprofits without asking, see our Shadow Donation Directory. Related: 1.7 Million Nonprofits Are Listed on GivingFountain. Only 2 of Them Signed Up.
Contact LetsTalk@wholewhale.com with any requests for documented evidence.
RoundUp.org responds
We sent RoundUp.org and Our Change Foundation ten questions. Jed Carlson, RoundUp.orgâs founder and CEO, answered all ten in writing. His answers are condensed below, and anything in quotation marks is his exact wording. We left out a personal note at the top of his reply.
How many listing pages has RoundUp.org published, and how many have been claimed?
RoundUp says its directory âincludes most U.S. nonprofits that are eligible to receive charitable grants,â and it tries to build a âdirectory detailsâ page for each one. The data comes from the IRS Business Master File, from the nonprofits themselves, and from Charity Navigator ratings that RoundUp licenses. âWe donât scrape nonprofit information from the Internet.â
On claimed pages: âWe are approaching 10,000 nonprofits that have verified their RoundUp.org directory details page through an authorized representative.â He says the pages exist to help donors pick the right charity, since many have similar names or go by a name that differs from their IRS filing.
Does RoundUp.org get a nonprofitâs consent before publishing its page? Are those pages meant to show up in search?
On consent: âWe comply with applicable state laws governing the use and publication of nonprofit information.â Carlson says rules differ by state, and âWhere prior nonprofit consent is required before a Donor may designate a nonprofit, we obtain it.â His aim is to let donors choose any charity, ânot choose from a small subset of nonprofits that happened to have already verified.â
On search: âyes, the directory is public, so Google and other search engines can crawl and index its pages. Thatâs intentional.â
He also answered our earlier GoFundMe coverage. He agrees that a charityâs own donation page should win a search like âdonate to ABC School,â and says RoundUp is after a different search: âround up for ABC School.â He points to the page wording as evidence, and says the title tag follows the format âSupport [Nonprofit Name] by rounding upâ and the main heading the format âRound Up for [Nonprofit Name].â In his words: âThatâs not SEO hijacking. Itâs creating a new way for someone to support ABC School.â
What information goes into those pages, and what does RoundUp.org add?
The data comes from the IRS Business Master File, from the nonprofit itself, and from licensed Charity Navigator ratings. Depending on what is available, a page âmay include information such as the nonprofitâs name, address, website and mission statement.â RoundUp builds the directory around that data.
What changes when a nonprofit claims its page? Does claiming it mean the nonprofit approves?
âWe use the term âverifyâ rather than âclaim.'â When an authorized representative verifies a page, RoundUp adds a âNonprofit-Approvedâ badge and gives the nonprofit an admin portal where it can edit some of the pageâs information and use RoundUpâs marketing materials. RoundUp also sends its Terms when it invites a nonprofit to verify.
âImportantly, verification isnât what makes a nonprofit available for a Donor to designate.â
Can donors pick a nonprofit that hasnât claimed its page? What happens to the money before it signs up?
âYes, subject to applicable state law.â Carlson compares the process to PayPal Giving Fund: if a charity hasnât signed up, there is âan outreach process to contact the nonprofit and facilitate delivery of the grant.â If the charity never completes that process, Our Change Foundationâs terms of service decide what happens to the money.
Does an unclaimed nonprofit need a Change account to get its money? Are checks available?
A nonprofit doesnât have to verify its RoundUp page to be eligible for a grant. How grants are delivered, and what happens if a nonprofit doesnât finish the steps to receive one, falls under OCFâs terms. A nonprofit that verifies with RoundUp gets âa direct link to complete in order to receive their grant.â The reply didnât say whether a check is available without an account.
For a typical $32 monthly donation, where does every dollar go?
RoundUp.org takes âa fixed $2 fee when a Donorâs monthly donation is successfully processed.â Card processing, the transaction data used to calculate round-ups, and grant processing are third-party costs that âdonât go to RoundUp.org and are capped at $1.30 + 4.8% of the donated amount.â The fees come out of the donation before OCF makes the grant. RoundUp aims for âapproximately 85% fundraising efficiency,â and Carlson says an option for donors to cover the fees themselves is coming soon.
His case for the fee: âIâd rather help a nonprofit receive 85% of $30 every month than 100% of $30 one time.â He also says RoundUp is meant to bring in new recurring donors: âIf someone is already giving $30 every month directly to their favorite nonprofit, weâd rather they keep doing that.â
What do RoundUp.org, GetChange and Our Change Foundation each do?
RoundUp.org runs the donor-facing service and calculates each donorâs round-ups, and it âdoes not take possession of the charitable funds.â Our Change Foundation âlegally receives the Donorâs contribution, issues the applicable charitable receipt, and makes grants.â Carlson describes the flow as âDonor → RoundUp.org → Our Change Foundation → Grant Recipient,â and says OCF and GetChange together do the same work for RoundUp that PayPal Giving Fund does for its partners. For the legal detail he points to RoundUpâs Terms of Use.
Does RoundUp.org get nonprofit or donor data from Change, and how does it use it?
RoundUp says it built its own contact data for nonprofits and reaches out âto thousands of nonprofits each dayâ about their pages, and it tries to check in with each one every quarter. For donors, it receives âonly the limited transaction information necessary to calculate a Donorâs roundupsâ and doesnât store card data. Donors choose whether their name and email go to the nonprofit. âWe never sell Donor information.â
Can a nonprofit have its page removed and still get money a donor already designated?
âAbsolutely.â A nonprofit can ask for removal at any time by emailing support@roundup.org. âRemoving the nonprofitâs directory listing doesnât change the handling of a charitable contribution that has already been made or a grant recommendation that has already been communicated.â
What else did RoundUp.org want nonprofits to know?
RoundUp describes its mission as helping consumers âmake a difference with every purchase they make by rounding it up to the nearest dollar,â with an emphasis on local organizations. Carlson cites a lower/middle school where 27% of parents signed up during one seven-day campaign, and adds, âIâm certainly not suggesting that every nonprofit will see the same result.â
He also describes a pilot incentive: during a campaign, âevery 10 new Donors who qualify will unlock an extra $250â for the nonprofit, paid by RoundUp.org. He says RoundUp is registered to fundraise in every state that requires it and is bonded and insured where required. His summary: âRoundUp is here to help nonprofits.â
What RoundUp.org changed after our request for comment
Between our questions and RoundUpâs reply, some of what this article describes changed on RoundUpâs site. We compared our September 22 and 23 captures with the live pages on September 28, 2026.
| What | September 22–23, 2026 | September 28, 2026 |
|---|---|---|
| Page title on the American Red Cross listing | âDonate to American Red Cross by rounding upâ | âSupport American Red Cross by rounding upâ |
| Main heading on the same listing | âDonate to American Red Crossâ | âSupport American Red Crossâ |
| Times âDonate to American Red Crossâ appears on the listing | 3 | 0 |
| Processing fee in RoundUpâs Terms of Service | âexpected to be 4.98% + $1.30â | âexpected to be 4.8% + $1.30â |
The same âDonate toâ to âSupportâ change appears on the other listings we captured on September 22: Feeding America, Lung Cancer Foundation of America and To Be Heard Foundation.
Some things did not change. The meta description, the canonical link and the structured data on the Red Cross listing are identical to our September 22 capture. The structured data still gives the RoundUp page as the charityâs website, and it still carries the Charity Navigator rating coded as a review (tactics 4 and 5 above). The FAQ still asks, âwhy would you want to block anyone from assigning your nonprofit to their Visa/Mastercard?â
We have updated this article and its fee calculator to the 4.8% rate. At the 4.98% rate RoundUp published on September 23, a $20-a-month donor lost $4.30 (21.5%). At 4.8%, the most that donor loses is $4.26 (21.3%).
Retraction 9/29/2026: Nonprofit Newsfeed has removed Move for Hunger case example from the original article.

