Abstract: A method and system for user-directed donations from a company to a charity in which an affiliate company agrees to donate a percentage of each transaction with a registered user to one or more charities selected by the user. The user may also select a percentage of each donation which is to be donated to each of its selected charities. The user conducts the transaction with a personal payment account, which is any form of payment which is not specific to a single company or related group of companies. In this way, the user may conduct business with substantially any business and generate donations which the user directs, so long as the business is an affiliate.