> 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/oauth/overview/llms.txt.
> For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://docs.givechariot.com/_mcp/server.

# OAuth Integration

> **Audience**
>
> This guide is for **Donor Advised Fund (DAF) providers** who operate their own OAuth 2.0 / OIDC authorization server and a small set of APIs. If you'd prefer an integration with no engineering beyond a few API calls, see [Donor Accounts](/guides/dafpay/donor-accounts/overview) instead.

## Overview

The OAuth Integration is a way to connect your DAF to DAFpay. Instead of verifying donors with one-time codes, donors authenticate **directly on your login page** and are redirected back to DAFpay to complete their donation. DAFpay then communicates with your APIs to display fund balances, create grants, and track grant status — all under the donor's authorization.

This is the same model used across open finance — it's how banks connect customer accounts to payment apps through aggregators like Plaid — scoped down to the handful of endpoints a DAF actually needs. If you already run Okta, Auth0, Cognito, or a custom OIDC-compliant identity provider, most of the authentication work is configuration rather than code.

## Why this model

**For your donors:**

* They sign in with the credentials they already have — on your branded login page. You control the authentication experience, including MFA.
* They see their real fund names and grantable balances inside the donation flow.
* **They rarely re-link.** Every donor creates a persistent DAFpay Donor Account at their first checkout. While their connection to your DAF is active, returning donors authenticate with DAFpay only — they're asked to re-link only when the connection expires or is revoked. (See [Connection Lifetime](/guides/dafpay/oauth/oauth-requirements#connection-lifetime).)

**For you:**

* Grants are created through your own API, so they flow through your existing review and disbursement pipeline. No separate decisioning queue.
* You never share donor credentials with Chariot — only scoped, revocable tokens.
* Real-time, accurate balances mean fewer failed grants.

## How it compares to Donor Accounts

|                     | **Donor Accounts**                            | **OAuth Integration**               |
| ------------------- | --------------------------------------------- | ----------------------------------- |
| Engineering lift    | One API call                                  | OAuth server + 4–5 API endpoints    |
| Donor verification  | One-time code exchange                        | Donor signs in on your login page   |
| Fund balances shown | No                                            | Yes, real-time                      |
| Grant creation      | You decision Grant Requests via Chariot's API | Chariot creates grants via your API |
| Best for            | DAFs without API infrastructure               | DAFs with OAuth + APIs              |

Both integrations result in the same thing for donors: after the initial setup, giving via DAFpay is instant.

## The flow

```
Donor                      DAFpay (Chariot)                 DAF (you)
  │                          │                                │
  │  1. Select your DAF      │                                │
  │ ────────────────────────▶│                                │
  │                          │  2. Redirect to your           │
  │                          │     Authorize URL (popup)      │
  │ ◄────────────────────────│                                │
  │                          │                                │
  │  3. Sign in & consent on your login page                  │
  │ ─────────────────────────────────────────────────────────▶│
  │                          │                                │
  │                          │  4. Redirect to Chariot        │
  │                          │     callback with auth code    │
  │                          │ ◄──────────────────────────────│
  │                          │                                │
  │                          │  5. Exchange code for tokens   │
  │                          │     (access + refresh + id)    │
  │                          │ ◄─────────────────────────────▶│
  │                          │                                │
  │                          │  6. GET /funds, /customers     │
  │                          │ ◄─────────────────────────────▶│
  │  7. Review fund & balance│                                │
  │ ◄────────────────────────│                                │
  │  8. Submit grant         │                                │
  │ ────────────────────────▶│  9. POST /grants               │
  │                          │ ──────────────────────────────▶│
  │                          │  10. Grant status updates      │
  │                          │ ◄──────────────────────────────│
```

**On future donations**, the donor signs in to DAFpay only. Chariot silently refreshes its access token using the refresh token from step 5 and proceeds straight to steps 6–9. Your login page reappears only when the connection ends — when the donor's refresh token expires (reauthorization) or the connection is revoked (see [Connection Lifetime](/guides/dafpay/oauth/oauth-requirements#connection-lifetime)).

## What you'll build

1. **An OAuth 2.0 / OIDC authorization server** with a Chariot client registration — see [OAuth & Token Requirements](/guides/dafpay/oauth/oauth-requirements)
2. **Resource APIs** that Chariot calls with the donor's access token — see [API Endpoints](/guides/dafpay/oauth/api-endpoints)
3. **A sandbox environment** with test donor accounts for integration testing — see [Integration Checklist](/guides/dafpay/oauth/integration-checklist)

Throughout the build, follow the [Security Best Practices](/guides/dafpay/oauth/security) — transport security, credential handling, token policy, and the scope boundaries that keep Chariot's access limited to DAF granting and nothing else.

## Estimated timeline

| Your current setup                                    | Estimated effort                              |
| ----------------------------------------------------- | --------------------------------------------- |
| Existing Okta / Auth0 / Cognito + internal grant APIs | \~2–4 weeks of configuration + API adaptation |
| Existing identity provider, no external-facing APIs   | \~1–2 months                                  |
| Building auth and APIs from scratch                   | \~1–2 months                                  |

Chariot requires roughly **1–2 weeks** to build, test, and certify the integration on our side once your sandbox is available.

> Let donors link their DAF account to DAFpay and give seamlessly at checkout.