> For clean Markdown of any page, append .md to the page URL.
> For a complete documentation index, see https://docs.givechariot.com/v2026-04-01/guides/dafpay/donor-accounts/overview/llms.txt.
> For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://docs.givechariot.com/_mcp/server.

# Donor Accounts

> **Audience**
>
> This guide is for **Donor Advised Fund (DAF) providers** integrating with DAFpay. If you are a nonprofit or fundraising platform looking to accept DAFpay donations, see [Integrating DAFpay](/guides/dafpay/integrating-dafpay/checklist) instead.

## Overview

As a DAF provider, you control which donors can use DAFpay and which grant requests get approved. The Donor Accounts API gives you a clean, well-defined interface to verify donors, manage access, and decision grant requests.

## Primary Resources

**Donor Accounts** — A Donor Account represents a DAFpay donor identity linked to your organization. It holds an optional `external_id` — your internal identifier for the user's account. A Donor Account must be approved before its Grant Requests can be processed. A Donor Account can be associated with multiple Giving Pools; a Giving Pool represents a specific set of funds within a donor's DAF account.

**Grant Requests** — Submitted when a donor uses DAFpay on a nonprofit's donation form. Grant Requests are tied to a specific Donor Account and can only be approved or rejected once the Donor Account is `approved`.

## Verification Flows

Accounts reach `approved` status by verifying an Authorization Token — a one-time code. There are two flows that differ in who initiates the process:

* **[Donor-Initiated Verification](/guides/dafpay/donor-accounts/account-lifecycle#donor-initiated-verification)** — The donor submits a grant first; DAFpay emails them a code which they pass to the DAF.
* **[DAF-Initiated Setup](/guides/dafpay/donor-accounts/account-lifecycle#daf-initiated-setup)** — The DAF creates a Donor Account and token in advance and gives the code to the donor via their portal.

> Donor Accounts let DAF Providers connect their donors to the DAFpay payment option.