Charities making the switch from tin rattling to phone-tap fundraising

This year, volunteers from hundreds of Returned and Services League (RSL) branches across Australia will be giving donors digital options to remember the fallen on Anzac Day.

The move follows the consumer shift away from cash. The latest figures from the Reserve Bank, released this week, show cash makes up just 15 per cent of payments and about 19 per cent of in-person transactions. Nearly two-thirds of adults under 29 don’t use cash at all.

Among the sub-branches making the move to digital donation options is Victoria’s Moe RSL, which draws hundreds of veterans, families and supporters to its annual Anzac Day service in the Gippsland town.

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The local branch expects to raise more than $17,000 from this year’s Anzac Day fundraising push, more than a dollar for every Moe resident.

This year, donors will be able to contribute via QR codes, EFTPOS machines, and the trusty tins of old, as the organisation seeks to keep with the times and maintain its older support base too. RSL headquarters is also understood to be considering allowing payments to be made directly to volunteers’ phones via software called SoftPOS (software point of sale).

Moe RSL appeals officer Wally Walravens said his branch – along with others across the country – first trialled using QR codes to collect funds for its Poppy Day fundraiser for Remembrance Day in November last year.

“This Anzac appeal is going to be the real tester. We’ve got 25 boxes out with local businesses around the town, and we’ve put a QR code on all those boxes.”

Those boxes contain Anzac appeal badges, which people can purchase via an honesty system.

In addition, 36 collectors will be out on Moe streets and outside the local supermarkets accepting donations in person. Good weather so far has increased donations this year, and Walravens said volunteer collectors did not seem to have been troubled by the tech.

“We’ve started well.”

Walvravens expected that in coming years, the RSL would allow volunteers to collect funds directly to their phones, using the SoftPOS option.

He encouraged other organisations to adopt the new technology and keep their donations flowing.

“We’re heading to a cashless society. I don’t like it, but that’s the way things are going. And once the older generation is gone, everything will be done by QR codes, or cards, or phones. We’ve got to move with the times.”

The RSL is using an Australian-owned platform called Pebl, which enables charities and small organisations to accept donations with smartphones.

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Pebl co-founder Schaan O’Hara said more than 200 charities, including some of the biggest in the country, were using the app to allow volunteers and charity events managers to accept funds.

She said the RSL used QR codes for their simplicity, because they would be easier for their older volunteer demographic, but the Pebl app also allows for tap-to-pay donations, QR code payments, and payments from digital wallets hosted by Apple and Google, as well as PayID.

O’Hara said the SoftPOS payments option had been adopted rapidly.

“We started out two years ago with non-charity merchants, but many of them wanted to raise money for charities,” O’Hara says. “When we came to the Fundraising Institute Australia Expo in 2025, we realised there was a real need to assist charities.”

That pivot now dominates the business, and O’Hara estimates about 90 per cent of Pebl’s effort is directed towards charities who use the app to collect funds at events and community fundraisers and for larger campaigns.

O’Hara said the shift was being driven by the fact that traditional fundraising methods – especially for on-the-spot donations – were becoming less effective as fewer Australians carried cash.

The transition seems to be paying dividends, with some charities that use the platform reporting a big boost in fundraising results.

“Their fundraising has doubled or tripled at events.”

O’Hara said Pebl was working with a string of major charities, including those focused on motor neurone disease, epilepsy, children’s health and cancer.

Fundraiser raising thousands more with phone tap tech

Among the charities making the most of the technology is mental health fundraising outfit Head Above Water, based on Sydney’s northern beaches, which adopted the platform a couple of years ago.

Head Above Water founder and CEO Andrew Ward said the organisation had raised $165,000 for its most recent 24-hour swimathon at Collaroy Beach, relying heavily on the system for tap payments and QR codes.

“Even for someone like me who’s not good with technology … it was good. There’s a lot of people who came in with very little training and they could use their phones to get it up and running.”

O’Hara said the system eliminated the risks that went with handling cash.

“It’s safer and reduces reliance on volunteer honesty,” O’Hara says. “Tap-to-pay is card-present, meaning the donor must be physically there, which significantly reduces fraud compared to card-not-present transactions.”

While the new tap-to-pay created less “friction” for donors by mirroring normal retail transactions, the platform’s QR code payments – as being trialled by the RSL – represented a stepping stone for new adopters, she said.

“Merchants can print them on menus, T-shirts or posters.

“They’re also helpful for demographics less comfortable using tap-to-pay.”

More information

More about Pebl for charities

Moe RSL’s Pebl donation page