9 Best Church Giving Software of 2026

Planning Center Giving ranks first because it combines the lowest card rate on this list with a simple monthly fee and no contract. In the US every church pays 2.15% plus 30 cents per card gift and a flat 30 cents per ACH gift, with no volume tiers to negotiate. The subscription depends only on how many donations arrive each month: 10 are free, 75 cost $15 a month, 500 cost $69 and unlimited donations cost $239. Donors give through Church Center on the web or in the app, by text, with Apple Pay or Google Pay, or by bank transfer, and they can see their history and download statements themselves. Staff get pledge campaigns, recurring donation forecasting, check scanning with donor matching and in-kind tracking. Planning Center says it is the only SOC 2 certified church software. The gap is accounting: there is no QuickBooks integration, so treasurers rely on CSV exports or the API.

Tithely is the most complete free giving plan on this list. The Free Online Giving plan costs nothing a month and includes unlimited donations, an online giving form, iOS and Android giving apps, mobile kiosks, recurring and multi-fund giving, pledge campaigns, check scanning with remote deposit and a QuickBooks Online integration. Donors can cover fees at checkout, and Tithely says about 60% of donors do. The trade-off is processing cost: cards run 2.9% plus 30 cents and ACH 1% plus 30 cents, both higher than Planning Center. Text-to-give is $19 a month on the free plan, and free-plan funds deposit weekly rather than daily. Churches that later want member management, check-in, a website and an app can move to the $119 All-Access bundle, which includes text giving, or buy Church Management alone at $72 a month. That path makes Tithely a sensible long-term home for a church still deciding how much software it needs.

Subsplash Giving suits churches that want giving to live inside the same platform as their app, website and media. The giving product costs $0 a month and covers mobile, web and text giving, recurring and guest gifts, a branded giving experience, cash and check recording, check scanning, non-charitable payments, real-time reports and tax statements. Its GrowCurve program lowers rates as a church grows, down to 1.9% plus 30 cents for cards and 0.5% for ACH. The pricing page lists 2.3% plus 30 cents as the exclusive card rate and 2.99% plus 30 cents for standard cards, so confirm which rate applies to your plan. Subsplash One adds websites, custom mobile and TV apps, livestreaming, people and group management, child check-in and service planning, priced by church size and usage. For a church that only wants giving, the fee structure is less transparent than Planning Center's, but the media tools are a real advantage.

Overflow started with non-cash gifts and still handles them better than most church giving tools. Every plan includes stock, crypto and donor-advised fund giving at 1% to 3%, processed by Overflow itself rather than handed to a separate provider, and the rate falls to 1% when a donor's financial advisor starts the transfer. Cash giving is covered too: card, ACH, Apple Pay, Google Pay, text and guest giving, RoundUps, cash and check recording, tax statements and CRM integrations. ACH costs 0.50% plus 20 cents, which is cheap for churches whose members give by bank transfer. The Foundation plan for church plants and small churches costs $50 a month with card rates from 2.75% plus 30 cents. Growth starts at $1,000 a year with card rates from 2.50% and adds a dedicated onboarding specialist and account manager. There is no free plan, so a small church with modest giving pays more than it would at Tithely or Subsplash.

Pushpay has the deepest giving feature set on this list and is aimed at churches where small percentage gains add up to large sums. Its Everygift technology queues gifts when a payment gateway goes down, prompts donors to update failed or expired cards and make up the missed gift, and suggests a recurring schedule based on a donor's giving pattern. Embedded Giving lets a donor finish a gift with Apple Pay or Google Pay on the first screen, with no account or phone verification. Churches also get text giving, in-app giving, kiosks, tap-to-give, stock and crypto through Engiven, QR codes, campaigns and pledges, future dated gifts and multi-site reporting. Pushpay says it serves more than 14,000 churches. The weakness for buyers is price transparency: plans are quoted after a demo, so we could not confirm a starting price, and check scanning starts at $0.29 per check. Smaller churches will pay for capability they may not use.

OnlineGiving offers more giving methods on a free plan than most rivals. The Free plan handles up to 1,500 gifts a month and includes recurring giving, text-to-give, Apple Pay and Google Pay, QR codes, tap-to-give, a donor portal, giving statements, stock giving at a 0% fee, crypto in more than 50 coins, check scanning and a church store. PayPal, Venmo, kiosks and remote deposit are listed as part of Full-Service Giving. Pro at $140 a month raises the cap to 5,000 gifts and adds text marketing, a form builder with pledge tracking and SMS chatbots; Unlimited at $280 removes the cap. A promotional card rate from 2.14% plus 30 cents runs for new churches until November 30. Two limits matter. The service is only for USA-based churches and ministries that affirm its statement of faith, and SMS features require your own Twilio number, which adds setup work and a separate bill.

Givelify is the simplest option here for churches that care most about the donor's phone experience. Members give in three taps through the Givelify app, and Givelify reports that three out of four users who start a donation complete it. Organizations pay no signup, monthly or maintenance fees; each card donation costs 2.9% plus 30 cents, and American Express costs 3.5% plus 30 cents. Gifts reach the bank the next business day. Every account includes donation management, the Analytics Studio, a dedicated Giving Success Coach, phone and email support and a Spanish-language app. Givelify integrates with Shelby, PowerChurch, Servant Keeper and ACS People for bookkeeping. The pages we checked do not list a lower ACH rate, text-to-give or check scanning, which churches with older members or many checks may miss. As a single, transparent fee with no subscription it is easy to budget, but busy churches pay more per gift than at Planning Center.

Vanco has served churches for more than 20 years and publishes two giving plans. Grow costs $0 a month with card gifts at 2.90% plus 45 cents and ACH at 1% plus 45 cents; text-to-give adds $10 a month. Thrive costs $54 a month, includes text-to-give and lowers rates to 2.65% plus 39 cents for cards and 0.90% plus 39 cents for ACH. Both plans include online and mobile giving, more than 60 church management integrations, launch materials such as pew cards and bulletin inserts, free event management and US-based support. Giving Insights costs $75 a month on either plan and Email Outreach $19.95. The fine print is longer than at rivals: a $25 chargeback fee, $5 per ACH return, 3.99% for American Express and a $23.95 monthly PCI non-compliance fee if a church falls out of compliance. The higher per-gift fixed fee also hurts churches with many small gifts.

easyTithe is a straightforward giving service with published plans. The Small Church plan costs $19 a month with card gifts at 3.00% plus 42 cents and ACH at 1.00% plus 42 cents. The Small to Mid-Size plan costs $49 a month and lowers the card rate to 2.6% plus 42 cents. easyTithe Pro bundles giving, church management and a mobile app for $75 a month for new customers, with records capped at 500. Every plan has a $10 monthly minimum in processing fees, which only matters for churches processing under about $300 a month. Donors can give through online forms, the mobile app, text and recurring gifts, and card gifts reach the bank within a business day. Churches processing more than $25,000 a month can ask for a lower rate. The combination of a subscription and a 42 cent fixed fee makes easyTithe more expensive per gift than the free plans above, so it suits churches that value the Pro bundle.