> For clean Markdown of any page, append .md to the page URL.
> For a complete documentation index, see https://docs.givechariot.com/v2026-10-01/guides/disbursements/llms.txt.
> For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://docs.givechariot.com/_mcp/server.

# Disbursements

## Docs

- [How It Works](https://docs.givechariot.com/v2026-10-01/guides/disbursements/how-it-works.md)
- [Disbursement Lifecycle](https://docs.givechariot.com/v2026-10-01/guides/disbursements/disbursement-lifecycle.md): 
- [Compliance and Fraud Prevention](https://docs.givechariot.com/v2026-10-01/guides/disbursements/compliance.md): As a fintech company partnering with a nationally chartered, federally regulated bank, Chariot adheres to stringent banking compliance standards, including the Bank Secrecy Act (BSA), U.S. Department of the Treasury's Anti-Money Laundering (AML) protocols, and a Customer Identification Program (CIP). Our Compliance Program aligns with industry best practices to mitigate risk and fraud. This ensures nonprofit eligibility and payment destinations are thoroughly evaluated and continuously monitored.
- [Sandbox](https://docs.givechariot.com/v2026-10-01/guides/disbursements/sandbox.md)
- [How Chariot Compares to Other Options](https://docs.givechariot.com/v2026-10-01/guides/disbursements/comparisons.md): Comparison of Chariot to other payment solutions
- [Frequently Asked Questions](https://docs.givechariot.com/v2026-10-01/guides/disbursements/faq.md): Answers to common questions about Chariot Disbursements


> **Note:** This page contains both a page directory (above) and the landing page content (below). The page directory is generated for agent use and does not appear on the landing page.

> For clean Markdown of any page, append .md to the page URL.
> For a complete documentation index, see https://docs.givechariot.com/v2026-10-01/guides/disbursements/llms.txt.
> For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://docs.givechariot.com/_mcp/server.

# Overview

This section provides an introduction to

Chariot Disbursements

including the problem it attempts to solve, the concepts involved, and how it works.

## The Problem

> There are \~1.4M nonprofits in the US today that don't have an **easy** or **open** method
> to accept payments securely and reliably via any `open-network` electronic payment method.

> The IRS maintains a list of *most* tax-exempt organizations' physical addresses.
> This database doesn't include many religious organizations, addresses are notoriously inaccurate,
> and the best you can do is to mail a paper check and hope for the best.

> Grantmakers aim to distribute funds to nonprofits in a secure, electronic, and cost-efficient manner.
> However, current practices require each grantmaker to independently establish and manage a system
> for registering electronic payment information, presenting both technical and operational challenges.

> Today, these systems are a huge cost-center and resource drain for grantmakers to maintain compliance and up-to-date information
> on all nonprofits within their systems.

> Grantmakers must revert to issuing checks when nonprofits are not present in their system.
> Compounding the issue is the fact that every grantmaker is redundantly undertaking the same laborious technical and operational tasks.

> From the perspective of nonprofits, they are required to register with over 50 grantmaker portals to receive electronic payments.
> This process involves managing numerous portals and logins, making the task of reconciling payments with their respective data exceedingly cumbersome.

## A New Approach

What if you could?

* pay any eligible nonprofit organization
* instantly
* via the preferred payment rail
* without needing to maintain a database
* have fraud, compliance, and verification checks out of the box
* attach data or documents to the payment that the nonprofit receives

That's what Chariot Disbursements does.

> **Info**
>
> Chariot is a financial technology company, not a bank. Chariot Accounts come with a Demand Deposit Account through our banking services partner, Column N.A., Member FDIC. Deposits in Chariot Accounts are eligible for FDIC insurance up to \$250,000 per depositor, for each insurable capacity in which the account is held.