Vanco review

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.

Who it is for

Established churches and parishes that want a US-based giving provider with many ChMS integrations.

Price

Grow $0 per month with 2.90% + $0.45 card fees; Thrive $54 per month with 2.65% + $0.39 card fees.

Popular THRIVE $54 /month
Quoted from the vendor pricing page on November 10, 2026.

Key features

• Online and mobile giving with text-to-give
• 60+ church management software integrations
• Giving launch materials such as posters, pew cards and bulletin inserts
• Mobile card reader and free event management
• US-based implementation and ongoing support

Strengths and weaknesses

• Strength: No contract and no cancellation fees
• Strength: Thrive includes text-to-give and lower processing rates
• Strength: Works with more than 60 church management systems
• Weakness: Per-transaction fees of $0.39 to $0.45 are above the usual $0.30
• Weakness: Giving Insights costs $75 a month on both plans
• Weakness: Extra fees for chargebacks, ACH returns and PCI non-compliance

Key facts

• Grow plan: $0 a month, 2.90% + $0.45 per card gift
• Thrive plan: $54 a month, 2.65% + $0.39 per card gift
• Text-to-give: $10 a month on Grow, included on Thrive
• Scale: 25,000+ organizations (vendor figure)

Where it ranks

Vanco is No. 8 in our Best Church Giving Software verdict.