Overflow review

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.

Who it is for

Churches with donors who give stock, crypto or donor-advised fund gifts, and churches with high ACH volume.

Price

Foundation plan $50 per month billed monthly; Growth from $1,000 per year; Enterprise by quote.

Foundation Church plants and small churches $50 / month
Quoted from the vendor pricing page on November 10, 2026.

Key features

• Card, ACH, Apple Pay, Google Pay, text and guest giving
• Stock, crypto and donor-advised fund giving included in every plan
• RoundUps giving and non-deductible payments
• Generosity Dashboard with donor management, reporting and Overflow AI
• CRM integrations and Overflow Tap software

Strengths and weaknesses

• Strength: ACH at 0.50% + $0.20, lower than the 1% many platforms charge
• Strength: Stock, crypto and DAF gifts processed in-house at 1% to 3%
• Strength: Card rates step down automatically as monthly volume grows
• Weakness: No free plan; the entry plan is $50 a month
• Weakness: Growth and Enterprise rates are set case by case
• Weakness: Card rate of 2.75% + $0.30 on Foundation is above Planning Center's

Key facts

• Entry plan: Foundation $50 a month
• Card rate: From 2.75% + $0.30 on Foundation
• ACH rate: 0.50% + $0.20
• Stock, crypto, DAF: 1% to 3%

Where it ranks

Overflow is No. 4 in our Best Church Giving Software verdict.