Debit cards using a PIN are charged the least fees.
When a website disables all “know your customer” form of identification, that website pays the highest fees. Very high fraud liability.
Which is why the forces of O’ disabled all identity checks for the last two elections.
And for any of you who are not familiar with these charities - there are lots of them across the U.S. Sort of like Ronald McDonald House - folks affiliated with a hospital or Hospice can stay there for a very reduced rate. The one we were at had laundry facilities and even soap, shampoo, etc. We save travel shampoos and soaps and donate to them whenever we are in town. they also need toilet paper, coffee, etc if anyone is looking for a place to donate things that are actually used instead of cash going to overhead!