Mozart Works
    Pennies Program

    Four cents. Millions in impact.

    Every card swipe donates 4¢ to your community. A simple program that drives card usage, builds member loyalty, and creates measurable social impact—automatically.

    Real-World Impact

    Daily Transactions
    50,000
    swipes × 4¢ per swipe
    =
    Daily Community Impact
    $2,000
    $730K+ per year
    $53M+
    Donated Since Inception
    2.7M+
    Children & Students Impacted
    Per Card Transaction
    100%
    Automatic Giving

    Simple mechanics, powerful results

    1

    Cardholders use their cards

    Every debit or credit card purchase—from coffee to groceries—triggers a donation.

    2

    4¢ automatically donated

    Four cents from each transaction goes directly to partner nonprofits or foundations.

    3

    Pennies add up to millions

    Small amounts compound rapidly. Thousands of transactions = meaningful community impact.

    A win for everyone

    For Nonprofits

    Steady, predictable funding stream

    • Recurring revenue from cardholder activity
    • No fundraising costs or overhead
    • Scales with partner card usage
    • Fully automated donations

    For Card Program Partners

    Drive card usage and customer engagement

    • Increased card swipe volume
    • Higher customer satisfaction and loyalty
    • Community impact differentiator
    • Minimal operational lift

    For Cardholders

    Give back effortlessly

    • Support causes with every purchase
    • No extra cost or effort required
    • Track cumulative impact
    • Feel good about daily spending

    Real programs, real impact

    Credit Union Foundation

    Suncoast Credit Union

    $7.6M donated in 2024 alone

    Every cardholder transaction supports local children's education and health initiatives.

    Community Bank

    Local schools & hospitals

    2.7M+ students impacted

    Pennies from card swipes fund school programs, medical care, and community services.

    Regional FI

    Multi-nonprofit network

    $53M+ since inception

    Partner with multiple nonprofits and let cardholders choose which causes to support.

    Frequently asked questions

    Ready to turn pennies into millions?

    Join the card programs using Pennies to drive card usage, strengthen community ties, and create lasting impact—4 cents at a time.

    Typical setup: 60-90 days · Full integration support included