Every type of campaign can collect payments by credit card. All credit card processing is performed by Stripe, not RallyUp. Like every payment processor, Stripe charges its own fee for processing payments.
The processing rate is 2.9% + 0.30 cents per transaction (3.5% for AMEX). Stripe does have a nonprofit discount rate. You can contact Stripe at email@example.com to see if your organization qualifies.
Please note that it can take Stripe a few days to respond if they are experiencing a high volume of requests.
If you setup direct funding for your organization and have been granted the discounted rate by Stripe, you can update your processing rate in your funding options. This will ensure that any RallyUp reports will accurately reflect the fees Stripe charges your organization.
Please note that the nonprofit processing rate is only available for direct funding. For individuals and businesses raising funds for a charity, deferred funding is the only option available. In these cases, the fee charged by Stripe will be the standard 2.9% + $0.30 per transaction.
Other articles you may find helpful:
Direct and Deferred Funding: What's the Difference?
Can I have donors pay the fees?
Who receives the credit card processing fees