Question 1

How does one transaction cover all four tax credit programs?

Accepted Answer

AZcredits processes a single payment and splits it across whichever programs you chose. Behind the scenes we route the QCO portion to the Qualifying Charitable Organization, the QFCO portion to the foster care agency, the public school portion via CTDS code to the school, and the private school portion through the School Tuition Organization (STO). You see four separate transactions on your card, with only one transaction on the site— we handle the distribution.

Question 2

Will I get separate receipts for each program?

Accepted Answer

Yes. Every donation generates its own tax-compliant receipt with the ADOR code, CTDS, or STO reference required to file the corresponding Arizona tax form. You'll receive a bundle of receipts by email, one per organization. Your CPA or tax software can use them directly.

Question 3

What if my Arizona liability is less than my donation?

Accepted Answer

Arizona lets unused credit carry forward for up to five tax years. If you donated $800 but only owed $500 in Arizona state tax this year, you'd apply $500 as a credit this year and the remaining $300 would roll into next year's return. This makes it safe to donate the full annual limit even if your liability is uncertain.

Question 4

Can I choose which organizations receive my donation?

Accepted Answer

Yes. You pick the specific partners at checkout. Browse the partner directory by category first if you want to research organizations, or use the donation form's search. If you don't want to pick individual partners, you can let the platform allocate to highest-need organizations within each category.

Question 5

How do refunds or corrections work?

Accepted Answer

Donations routed through AZcredits are processed directly to the receiving organizations. If you made a mistake — wrong amount, wrong organization — contact the charity you donated to. Any refund has to go through them directly, the same as if you'd donated via their own site.

Question 6

Is my donation tax-deductible on my federal return?

Accepted Answer

Depending on your situation, yes — but not in the way you might expect. The Arizona credit reduces your state tax dollar-for-dollar. On your federal return, you generally cannot claim a charitable deduction for the same dollars you're claiming as a state credit (IRS notice 2019-12). Talk with your tax preparer about how to handle the interaction between your Arizona credits and any federal itemization, especially if you're near the SALT cap.

Question 7

When will my donation be processed?

Accepted Answer

Payment processes immediately. Funds are forwarded to the receiving organizations within 3-5 business days. If you're donating close to the April 15 deadline, the donation date is the date of your payment, not when the charity receives funds — your receipt will reflect the payment date, and that's what Arizona uses for attribution to the prior tax year.

Question 8

How do you vet partners?

Accepted Answer

Every QCO and QFCO we list has a current active code from the Arizona Department of Revenue. Every public school we list has an active CTDS code. Every STO we route to is certified under A.R.S. §43-1603. We re-verify annually and remove organizations that lose their certification. If a partner isn't listed, it's either because they haven't applied or because their certification has lapsed.

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Tax Credit Program Limits

Private School (STO)

Qualified Foster Care Organization (QFCO)

Qualified Charitable Organization (QCO)

Public School

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