Sharing the Credit Program
Revolutionizing Charitable giving: NO CHECKS, Just impact
We transform everyday transactions into meaningful change. Our innovative approach redirects credit card processing fees to nonprofits—creating permanent, effortless giving.
No government funds. No trust fund distributions. Just smart redirection of money already in the system.
Sharing the Credit empowers businesses and nonprofits to work together, transforming ordinary credit card processing fees into ongoing donations for IRS-approved 501(c)(3) organizations. It’s 100% legal, fully transparent, and one of the few programs in the U.S. with IRS approval to operate in this way.
How It Works
Every time a customer pays by credit card, a small processing fee is charged. Normally, that money disappears into the payment networks, but with Sharing the Credit, part of those fees is automatically redirected to a nonprofit of your choice.
There’s no extra cost, no manual donation process, and no disruption to your operations. Businesses simply keep processing as usual, while nonprofits receive ongoing monthly contributions, all handled transparently through the Sharing the Credit platform.
Together, we’re creating sustainable giving that fuels local causes and community impact.
The win-win-win model
Business Win
Save money on processing fees
Support causes they care about
Enhanced community reputation
Charities Win
Steady, reliable funding
No grant-writing hassle
Focus on mission, not fundraising
Communities Win
Stronger charitable sector
More resources for local needs
Businesses more invested in local success
Proudly Boarding Clients In
United States of America, Canada, Puerto Rico, Guam and the US Virgin Islands
Real results: our 17-year success stoy
$1M
Monthly Card Sales
Our first client processed this amount in plastic transactions.
$30K
Annual Savings
Business benefit: “That’s a whole car!”
$100K
Annual Donation
Redirected to their charity without writing a check.
17
Years of Loyalty
They’re still with us, creating lasting impact.
meet the stc founders
Will Black, CEO
Will Black started in the payments industry in January 2000 making his tenure very easy to date. He worked with Visa/MC regulations to help bring credit card processing software to market, worked with every processor in the nation, as well as hospitals, the military, and with groups across frontiers as far as the Philippines and Japan. Through his efforts at Sharing the Credit, millions of dollars have been legally redirected to charity, and he regularly travels to speak and give classes about having businesses automate their giving. He is married with two children and a Boston Terrier that snores whether awake or asleep.
Mike Torrance, CFO
Mike Torrance has been in the merchant services and payment industry since 2001. Starting in the Payment Software industry, he quickly transitioned to the merchant services industry where he assisted hundreds of clients navigate the twists and turns of the payment processing industry. Through Sharing The Credit, he has helped those same clients support the causes they hold dear to the tune of millions of dollars, just by doing what they do every day. He is married with one daughter and a Bully that also snores whether awake or asleep.
