Checked 6 October 2026 · 5 tools
Church online giving: monthly fees and card rates
Four giving platforms with no monthly fee and one that quotes in a demo, compared on the card and bank rates their own pricing pages showed on 6 October 2026.
How we chose. We read each tool’s own pricing page on 6 October 2026 and kept a screenshot of it, which is on this page beside the tool. Prices are in US dollars unless the vendor showed a regional price, in which case we say so. Where a vendor only gives prices in a sales call, we say that rather than guess. We did not test these tools hands-on; what each does well and where it falls short comes from the vendor’s own pages, and what its users say is quoted word for word, with a link.
We make Slice. It appears only in the sermon clips guide, marked “ours”. No tool paid to be listed, and nothing here was tested hands-on.
Which one, in ten seconds
Find the line that sounds like you.
- You want the lowest published card ratePlanning Center
- You want to start taking gifts today for nothingTithely
- You want rates you can see before signing upSubsplash Giving
- You want giving inside one flat-rate systemBreeze (Tithely Church Management)
- You give across several campusesPushpay
Side by side
| Tool | Best for | Price | Free tier | Key limits | Platforms |
|---|---|---|---|---|---|
| Planning Center | a church that wants low published card rates (2.15% + $0.30 in the US) and giving linked to its people records | Free for 10 donations a month, then from $15 a month; US fees 2.15% + $0.30 (card), $0.30 (bank) | Yes: People, Calendar and Church Center always free; Services free for 5 team members | Each product (Services, Registrations, Giving, Check-ins, Groups) has its own price, from $15 to $239 a month | Web, with the Church Center app for members |
| Tithely | a church that wants to start taking gifts today at no monthly cost | Giving $0 a month plus processing fees; All-Access $119 a month | Yes: Free Online Giving, $0 a month plus standard processing fees | The processing fee rate is not on the pricing page | Web, iOS and Android giving app, kiosks |
| Subsplash Giving | a church that wants no monthly fee and published rates: 2.99% + 30¢ for cards, 1% for bank transfers | $0 a month; 2.99% + 30¢ (card), 1% (ACH) | Yes: Subsplash Giving, $0 a month | Subsplash One has no price on the page | Custom mobile and TV apps, websites, web |
| Breeze (Tithely Church Management) | a church that wants giving included in a flat-rate church management plan | $72 a month, flat; worship tools $29 a month extra | 30-day free trial | Now Tithely Church Management: Breeze’s own site says it "has been rebranded" | Web, with an admin mobile app |
| Pushpay | a large or multi-site church that wants per-campus giving and a sales team | Not published: plans (Core, Advanced, Complete) are priced in a demo | None; a free demo | No price without talking to sales | Web, a church app, giving |
Prices in US dollars from each vendor’s pricing page. Scroll the table sideways on a phone.
01
Planning Center
Best for a church that wants low published card rates (2.15% + $0.30 in the US) and giving linked to its people records.
Price Free for 10 donations a month, then from $15 a month; US fees 2.15% + $0.30 (card), $0.30 (bank)Free Yes: People, Calendar and Church Center always free; Services free for 5 team membersRuns on Web, with the Church Center app for members
What it does well
- The member database, calendar and member app (Church Center) are always free.
- Every paid product has a free level: Services for 5 team members, Giving for 10 donations a month, Check-ins for 10 a day.
- No contracts, and you pay only for the products you switch on.
- Giving fees in the US are 2.15% + $0.30 for cards and $0.30 for a bank transfer.
Where it falls short
- A growing church pays per product: Services alone runs $15 to $239 a month by team size.
- The total depends on several sliders; the page adds them up for you.
Its pricing pageread 6 October 2026
02
Tithely
Best for a church that wants to start taking gifts today at no monthly cost.
Price Giving $0 a month plus processing fees; All-Access $119 a monthFree Yes: Free Online Giving, $0 a month plus standard processing feesRuns on Web, iOS and Android giving app, kiosks
What it does well
- Online, text and app giving with no monthly fee.
- All-Access bundles giving, people, messaging, forms, check-in, volunteers, a website, an app and worship tools.
- All-Access starts with 30 days free, and the page says data moves and onboarding are included.
Where it falls short
- The free giving plan charges "standard processing fees", and the pricing page does not say what they are.
- All-Access is $119 a month: a big step from free.
Its pricing pageread 6 October 2026
03
Subsplash Giving
Best for a church that wants no monthly fee and published rates: 2.99% + 30¢ for cards, 1% for bank transfers.
Price $0 a month; 2.99% + 30¢ (card), 1% (ACH)Free Yes: Subsplash Giving, $0 a monthRuns on Custom mobile and TV apps, websites, web
What it does well
- Subsplash Giving costs nothing a month: 2.99% + 30¢ for standard cards and 1% for bank transfers (ACH).
- Subsplash One bundles websites, custom mobile and TV apps, live streaming, giving, people, check-in and service planning.
- One customers get lower giving rates: 2.3% + 30¢ for cards, falling as giving grows.
Where it falls short
- No price for Subsplash One on the page: it goes by church size and usage.
Its pricing pageread 6 October 2026
04
Breeze (Tithely Church Management)
Best for a church that wants giving included in a flat-rate church management plan.
Price $72 a month, flat; worship tools $29 a month extraFree 30-day free trialRuns on Web, with an admin mobile app
What it does well
- One flat rate, no setup fee, no contract, unlimited admin users.
- Includes free online giving, volunteer scheduling, check-in tags, events and email.
- Text messaging: 250 free a month, then $10 per 500.
Where it falls short
- Worship planning tools are a $29-a-month add-on.
- The product is being folded into Tithely under a new name.
Its pricing pageread 6 October 2026
05
Pushpay
Best for a large or multi-site church that wants per-campus giving and a sales team.
Price Not published: plans (Core, Advanced, Complete) are priced in a demoFree None; a free demoRuns on Web, a church app, giving
What it does well
- Giving plans for multi-site churches: per-campus giving, branding and multiple bank accounts on Complete.
- Includes a church app with giving; a custom app on the higher plans.
- Church management (ChMS) and ChurchStaq are sold alongside.
Where it falls short
- No prices on the page; you book a demo to find out.
Its pricing pageread 6 October 2026
Questions
Is free giving really free?
There is no monthly fee, but every gift by card pays a processing fee. Planning Center publishes 2.15% + $0.30 in the US, Subsplash 2.99% + 30¢; Tithely’s pricing page says "standard processing fees" without the figure.
Card or bank transfer?
Bank transfers (ACH) cost far less: $0.30 a gift at Planning Center and 1% at Subsplash, against roughly 2 to 3% for cards. Ask regular givers to give by bank.