NGO Payment Gateway Integration

I’ve just launched a brand-new NGO website and need a specialist who can both advise and implement a payment solution suited to an unregistered, individual-run organisation. The gateway must accept one-time donations only, with support for credit/debit cards and bank transfers; I’m not planning to offer recurring gifts at this stage.

Because the site and entity are fresh, I’m looking for guidance on:
• Choosing a gateway that will onboard an individual (Stripe, Razorpay, PayPal, PayU or any comparable vendor you can justify)
• The paperwork or KYC likely required when no registered company exists
• End-to-end setup: sandbox account, API keys, webhook configuration, and live launch
• Basic donation form creation and secure transaction flow
• Testing to be sure funds settle correctly and donor emails/receipts fire

Deliverables
1. Written recommendations with pros/cons of at least two gateways that fit an individual NGO setup
2. Fully integrated, working payment module on my website (HTML/PHP stack) handling card and bank transfer donations
3. Clear documentation so I can maintain the integration and generate reports

If you have handled NGO or solo-founder integrations before, that experience will be valuable. Please outline the tools you propose and an estimated timeline for going live.