Best Church Online Giving Software (2025)
Digital giving is now the primary giving channel for most congregations. We ranked the top church giving platforms on mobile experience, transaction fees, features, and total cost.
Updated February 2025 · 3 platforms ranked
Transaction Fee Comparison
| Platform | Card Fee | ACH/Bank Fee | Monthly Fee |
|---|---|---|---|
| Tithe.ly | 2.9% + $0.30 | 1% + $0.30 | Free |
| Pushpay | ~2% (negotiated) | Negotiated | $300+/mo custom |
| Planning Center | 2.3% + $0.30 | Not stated | Free |
| Breeze | 2.9% + $0.30 | Available | $72/mo (all features) |
- ✓Best mobile giving experience — highest conversion rates
- ✓Text-to-give with automated follow-up
- ✓Kiosk giving (iPad integration)
- ✓Custom church app option ($99/month)
- ✓Donor-covered fee prompting
- ✓Recurring gifts with flexible scheduling
- ✓Enterprise-grade giving infrastructure
- ✓Fully branded custom mobile app (included)
- ✓Advanced generosity analytics and donor insights
- ✓Multi-campus giving management
- ✓Dedicated account manager
- ✓Giving campaign tools and pledge tracking
- ✓Free to use — no monthly platform fee
- ✓Lowest published card transaction rate (2.3%)
- ✓Integrates seamlessly with Planning Center People
- ✓Recurring gifts, fund management, giving statements
- ✓Pledge campaigns and goal tracking
Key Features to Look for in Church Giving Software
- Mobile giving — Your donors give from their phones. The mobile experience must be fast and frictionless
- Recurring donations — Recurring giving stabilizes church finances and grows total giving by 20–40%
- Text-to-give — Particularly effective during service for first-time digital givers
- Donor-covered fees — Most platforms let donors optionally cover transaction fees. Studies show 60–80% of donors choose to cover fees when prompted
- Giving statements — Year-end tax statements should be automatic and customizable
- Fund management — Designate gifts to specific funds (general, missions, building fund)
How to Calculate the Real Cost of Giving Software
Don't just compare monthly fees — calculate total cost including transaction fees based on your giving volume:
Formula: (Monthly giving volume × transaction rate) + monthly platform fee = true monthly cost
Example: $20,000/month in card giving at 2.9% + $0.30/transaction (assume 200 transactions) = $580 in fees + $0 platform fee = $580/month total for Tithe.ly.
Our Recommendation
For most churches: Start with Tithe.ly's free giving tier. There's no monthly fee, setup is fast, and the mobile giving experience is best-in-class. After 3 months, evaluate whether you want to add the ChMS ($14/month) or custom app ($99/month) features.
For large churches processing $500K+ annually: Request a Pushpay demo. Negotiated transaction rates at volume can offset the platform fee.