Terms and Conditions

These terms and conditions apply to your use of the ChapterPay.com website and all associated services. This is an agreement between you and ChapterPay.com. These terms and conditions apply to your use of our services available under the domain and sub-domains, and API integrations of www.chapterpay.com (the “Site”),and Raisethemoney.com, including but not limited to ChapterPay, and the general principles for the Web sites of any subsidiaries. If you do not agree to be bound by the terms and conditions of this Agreement, you may not use or access our services.


To conduct a transaction with ChapterPay, you must read, agree with, and accept all of the terms and conditions contained in this Terms and Conditions Agreement and Privacy Policy. By agreeing to these Terms and Conditions and by using the site to process a transaction, you agree to be bound by all municipal, state, and federal law related to the processing of your financial transaction.


“ChapterPay,” “We,” and “Our” refer to Raise the Money, Inc.

“You” and “Yours” refers to you personally acting in your own interest or on the behalf of another entity for which you are authorized to act.

“Your information” refers to any information you provide to us or other users in connection with your use of the site.

Privacy Policy

These terms of use include our privacy policy.

Fees and Services

ChapterPay provides some or all of its services for a fee. The fees are quoted in United States dollars. You are responsible for paying all fees associated with using our services, the site, and applicable taxes. Without notice to you ChapterPay may charge a fee or change the fees for any services provided. You will be charged a $35 flat fee for each chargeback or ACH return.

You agree that, Stripe, RTM or ChapterPay may use your personal information to scrub OFAC and Match. You agree to allow RTM to debit your bank account for any returns, chargebacks or negative balances.

Permissions and Reuse

RTM is a payment service provider. Our payment services are only available to, and may only be used by, individuals who can form legally binding contracts under applicable law.

Account Approval Process

In order to process money through chapterpay.com, you will be required to provide information. ChapterPay will (but is not limited to) collect the following information about you and your business entity:

  • Legal Name of Entity
    • Street Address, Civic Address
    • City, Town/Suburb, Municipality
    • State, Territory, Province
    • Zip, Postal Code, Postcode
    • Phone
    • Website
    • Federal Tax ID number, Social Insurance Number (SIN), Tax File Number (TFN), National Insurance Number (NINO)
    • Photo ID
    • Date of Birth
    • ID Number
  • Organization Type:
    • 501 c3 Registered non-profit
    • Other non-profit group
    • For profit organization
  • Are you currently accepting credit cards (yes / no)
    • If yes, with whom?
    • Annual Transaction volume
    • Average Transaction amount
  • Administrative Contact
    • Name
    • Email
    • Phone
  • Banking Information:
    • Bank / Financial Institution name
    • Routing number, Bank State Branch (BSN) Number, Bank Identifier Code
    • Checking Account number, Bank Account number, International Bank Account number
    • Bank Contact Name
    • Bank Contact phone number

Upon collection of this information, ChapterPay will conduct a sub-merchant approval process to validate your submission. ChapterPay may (but is not limited to) use one or more of the following forms of validation:

  • Personal and / or Organization Credit Check
  • EIN verification services
  • SSN verification services
  • ID verification services
  • Website review
  • 501c3 registration services
  • Public records search
  • Contact your banking provider

Upon completion of this process, ChapterPay will either notify you if your account is in good standing and that you are authorized to process transactions, or if ChapterPay has not approved your fundraising account request. ChapterPay reserves the right not to approve account requests for any reason.

Remittance & Refund policy

Deposits to your bank account will be made 2 to 3 business days payment has been made.

To initiate a refund on a transaction back to a contributor, contact support@chapterpay.com. ChapterPay will not issue a refund for any reasons, or the cancellation of an event. All refund requests are subject to the availability of the funds.

Our time limit to offer your refund is 45 days after the transaction date. After 45 days, ChapterPay will no longer be able to issue a refund. ChapterPay reserves the right to hold funds for the use of refunds.

All refunds issued by ChapterPay will be credited back to the card used to make the payment. In all cases where we are not able to accommodate a refund request, we will be happy to refer you to the school or fundraising group so you may request a refund directly from them.

License to Contributor Data

All non-encrypted data provided by a contributor is your property. You may export this data from the site.

Disclaimer of Warranties and Limitation of Liability

This site is provided by ChapterPay on an “as is” and “as available” basis. ChapterPay makes no representations or warranties of any kind, expressed or implied, whether based upon the nature of merchantability, fitness for a particular purpose, or otherwise, as to the operation of this site, or the accuracy, timeliness, or completeness of information, content, materials, or services included on this site. You expressly agree that your use of this site and any information contained herein is at your sole risk.

Certain state laws do not allow limitations on implied warranties or the exclusion or limitation of certain damages. If these laws apply to you, some or all of the above disclaimers, exclusions, or limitations may not apply to you, and you might have additional rights.

You agree to hold ChapterPay, harmless from any and all liabilities, losses, actions, damages, or claims (including all reasonable expenses, costs, and attorney fees) arising out of or relating to any use of, or reliance on, this website.

Under no circumstances will ChapterPay, be liable to you, or any other person or entity, for any loss of use, revenue, or profit, lost or damaged data, or other commercial or economic loss, or for any direct, indirect, incidental, special, statutory, punitive, exemplary or consequential damages whatsoever related to your use of this service or access to this webpage, even if advised of the possibility of such damages or if such damages are foreseeable. This limitation shall apply even in the event of a fundamental or material breach or a breach of the fundamental or material terms of this agreement.


Chapterpay and RTM are not your agent. You, RTM, and Chapterpay are independent contractors. You, RTM, and Chapterpay have no partnership, joint venture, employee-employer or franchiser-franchisee relationship. Chapterpay and RTM will act solely on your behalf as your agent to process the transaction from your contributor.


Any Notices shall be given by the U.S. Mail to ChapterPay at P.O. Box 676, Bellville, Ohio 44813.

Changes to Terms and Conditions

As we develop this site we may need to update the policies described above. Changes will be posted here.

General Terms

This agreement shall be governed by the laws of Arkansas. This agreement represents the entire agreement. The services hereunder are offered and provided by Raise the Money, Inc., and ChapterPay.