Ask HN: Could you recommend a charity?

I'm looking to donate a small sum of money. I'm looking for a charity that meets the following criteria: 1. Actually helps people in need. 2. Uses the money you donate towards helping people, not salaries and marketing. 3. Allows donating using PayPal/Google Checkout/Other digital payment option (I just don't trust IT volunteers with keeping my CC safe). 4. And finally, has to be non-naggy (i.e., the fact that I gave once does not mean you can spam my inbox with repeat requests). Would appreciate your suggestions (and opinions of my criteria).