Charity campaigns and crowdfunding within the law: how to raise money without the bank or platform stopping it
A family raising money for a child's surgery thinks about fraud least of all, yet it is precisely their campaign that gets checked by the platform's filter, the bank's compliance department and every donor who has been deceived before. One inconsistent document, an account in the wrong name or an unanswered question about the source of funds, and the campaign stops on the very day the money is needed most. This page describes the rules that let a campaign pass these checks from the outset, and the steps we take on the family's behalf.
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Checked before publicationDocuments, account, amount and text all match before anyone sees them
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A letter for the bank in advanceThe explanation of the source of funds is ready before the bank asks
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Money never passes through usThe account is in the name of the patient or representative; our fee is fixed
What the filter looks for: signs that stop even an honest campaign
A platform, a social network and a bank cannot see intentions, only signs. The table shows what each sign means to them and how it is put right.
| Sign | Who notices it | What it means to them | What we do |
|---|---|---|---|
| Account in a third party's name | Platform, bank, donor | An intermediary the patient may not even know | Account in the name of the patient or legal representative, explained in the text |
| The diagnosis differs between text and document | Platform, a doctor among the donors | The document belongs to another patient or has been altered | We write the text using the wording of Form 100, including the ICD code |
| Amount without a cost estimate, or higher than it | Platform, donor | The purpose is invented or inflated | A public itemised version of the cost estimate, minus free sources |
| A photo that has appeared elsewhere | Automatic search on the platform | A stolen story | Only the family's own dated photos, with parental consent for a child |
| A large incoming payment with no explanation | The bank's compliance department | Money of unknown origin | We notify the bank before the campaign starts and have the source of funds letter ready |
| Updates have stopped | Donor, platform | They took the money and disappeared | A reporting schedule: every stage, receipts, the balance |
The bank's check is a legal obligation, not a sign of distrust: for large or numerous incoming payments the bank is required to establish the source of funds. The difference is whether it gets an answer the same day or two weeks later.
Two versions of every document: what is published and what stays closed
Transparency does not mean publishing everything. The patient's personal ID number, address and test details tell a donor nothing, but tell a fraudster everything.
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Public version
Form 100 with the diagnosis, date and clinic stamp, with the personal ID number and address blacked out; the cost estimate itemised and totalled; the account details with the holder's name. Exactly what the donor and the platform need.
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Closed version
The full documents for the bank, for platform verification and for foundations that view them on request. Kept by the family and in our encrypted archive, with no right to publish or forward them.
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What is never published
A photo of the passport, full laboratory test results, psychiatric and genetic information, other patients' data from the discharge summary, a photo of a child in a hospital bed without a parent's written consent.
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Consent forms
An adult patient's written consent to publication of their diagnosis; for a child, the consent of both parents. This sheet protects the family if someone later challenges the publication.
The full campaign cycle, from launch to closing
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Free sources first
The campaign target is the amount that remains after the Universal Healthcare Programme, City Hall, the referral commission and insurance. We publish these replies in the campaign: donors see that the state routes have already been tried.
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Account and informing the bank
A dedicated account in the right name, Georgian and international payment details, and an advance letter to the bank about the campaign, its expected volume and purpose, so that the incoming payments come as no surprise.
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Text, documents, publication
Text with facts and dates, without pressure; the public documents; one contact number that answers. A lawyer reads the text to make sure no phrase is misleading.
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Reporting and closing
An update at every stage with receipts, a final report with the amount raised and spent, and the fate of the balance as already stated in the campaign text. A properly closed campaign is the family's reputation for years to come.
Frequently asked questions about charity campaigns
Why does a bank or platform stop a charity campaign, and how can this be avoided?
Both have automatic filters that look for fraudulent campaigns, and an honest campaign gets caught by the same signs: a photo that has appeared in another campaign, one diagnosis in the text and another in the document, an amount requested without a cost estimate, an account in a third party's name, a contact number that does not answer. A bank, for its part, is required by anti-money laundering rules to establish the source of funds for large or numerous incoming payments and to freeze the account until it gets an answer. To prevent this, we do four things before the campaign is published: we make the documents consistent with each other, open the account in the right person's name, notify the bank about the campaign in advance and prepare a letter on the source of funds, with Form 100, the cost estimate and the campaign link, which answers the bank's question the same day.
Whose name should the account be opened in if the patient is a child or unconscious?
The rule is the same: the account is in the name of the patient or their legal representative. For a minor this is the parent, with the birth certificate, and the campaign says so: the account belongs to the mother or father, with their full name. If an adult patient is unconscious, a family member is not automatically their representative: the bank cannot open an account in the patient's name for them, and the campaign money would end up in the family member's personal account, which the bank and the platform treat as an inconsistency. In that case there are two routes: if the patient granted a power of attorney earlier, the representative operates the patient's account; if not, the campaign is opened in the name of the family member who actually pays the treatment costs, the text states transparently who they are and why, and every payment is backed by the clinic's invoice. Money is never collected in our account or that of any intermediary.
Is money received as donations taxable?
The Tax Code taxes money received by an individual as a gift with income tax in some cases and exempts it in others, including sums received from close relatives and amounts up to an annual threshold; assistance received from a charitable organisation is governed by separate rules. Because hundreds of strangers take part in a campaign, the answer depends on the specific amount, the sources and what the money is spent on, and we clarify it with an accountant before the campaign starts so that the family's tax return at the end of the year holds no surprises. That is why the receipt for every incoming payment and every medical expense is kept in one folder: it serves both as reporting to donors and as tax evidence.
What should be done with leftover money if the treatment changed or the patient died?
This is the hardest question and the one most often left unplanned, so we write the answer into the campaign text itself, before it starts: if more than the target is raised or the treatment takes a different course, what the balance will be used for. There are usually three options, from which the family chooses in advance: continued treatment and rehabilitation for the same patient, transfer to another patient's campaign or to a charitable foundation, or an offer to refund donors if the platform allows it. If the patient dies, money held in an account in their name becomes part of the estate, and the heirs use it for the purpose stated in the campaign; a lawyer formalises this together with the family. In every case donors are informed in writing, because it is this final message that decides whether anyone will trust this family, or this town, in a future campaign.
What comes before or alongside a campaign
- Guide to funding for surgery State and municipal sources to try before a campaign, whose replies are then published in the campaign.
- Medical loan mediation When surgery is days away and there is no time to wait for a campaign; the loan is then repaid from the campaign money.
- Medical document package Form 100 and the cost estimate in one checked package for foundation and platform verification.
A campaign both the bank and donors can trust
Upload Form 100 and the cost estimate. Within 1-2 days you will know what is ready, what would stop the checks and in what order to publish, so that the money arrives on the day it is needed.