PayPal
From Kivapedia
Kiva uses PayPal to process all financial transactions free of charge.
From the Kiva Supporters webpage:
"PayPal is a proud supporter of Kiva's mission and organization. As an official partner, PayPal provides Kiva with access to technology, research, workplace resources and employee volunteers. Additionally, PayPal provides Kiva with free payment processing - Kiva's largest variable cost - thus enabling 100% of the loaned funds to reach entrepreneurs in developing countries. Kiva uses PayPal's innovative payment solutions to securely and seamlessly distribute funds around the globe."
