tl;dr- How can we legally accept credit cards (to our club bank account) without being able to become a legal entity?
I'm an officer an officially-recognized student-run club at my university. I'd like for students (over 100) to be able to pay their dues through our website, as well as for us to split costs for events and have people pay for those costs using credit card, debit card, etc. We have a bank account through our university's credit union where we keep our funds.
Whenever I go to sign up for any payment processor, be it Stripe, Amazon, Google, Braintree, etc. they all want a Business Tax ID (or a non-profit ID), along with business start date, official address, etc. that they use to send records to the IRS. We're just a student club with members and officers who change every year. How can we sign up for these services and not have to worry about filing taxes or risk being audited / screwing over the one individual who put down their SSN as a sole proprietor?
(Venmo and Paypal are out, they don't work with our website).
Your responses are appreciated!