Church Tech | Online Giving Options Go Head-to-Head

This article continues a series on church technology, particularly geared toward small to medium-sized churches. The previous article covered Church Management Software options.


Besides questions about church management software (and included in those questions), the other most common tech question for churches is how to implement online giving. A host of online giving options exist for churches. Let’s compare seven of the popular options to see how they stack up in an even match-up:

a spreadsheet of church giving apps compared
Click image to expand

It’s worth throwing out a caveat here that some church networks or denominations offer giving platforms with more competitive rates than these. So begin your search there before you begin exploring these options further.

Of the above options, Tithe.ly and BlueFire are fascinating standalone platforms. Tithe.ly has an excellent array of helpful features (including an option for donors to cover transaction fees themselves). BlueFire has the best terms for a standalone service as best I can tell. EasyTithe doesn’t seem to bring much to the table given the current options available to churches, but they have a deep history in providing great service. Lifeway’s platform offers some intriguing features such as non-cash donations and coaching, but the monthly fees and transaction fees are incredibly high. Church plants may be drawn to Lifeway’s 6-month free program; however, they will need to find a better long-term option for the life stage of the plant from 6 months until at least year 1 or 2.

Subsplash is an exciting option for churches who are already in the market for an app for their members. After the setup fee (around $1,000) and while paying a monthly subscription fee (between $100–200), churches can take advantage of some of the lowest processing rates available right out of the gate. But what’s truly unique is that Subsplash uses a metric that they refer to as “GrowCurve”, which decreases credit card processing rates as giving volume increases. This model seems far more attractive than the Planning Center model, which increases a monthly fee as the number of givers increases. But the usefulness of Subsplash giving is contingent on whether your church is in the market for a church app–something that can be helpful for push notifications, sermon note distribution, etc. for a middle age and younger congregation. But an app may not make as much sense for an older congregation or a church with a tight budget. It’s worth considering that churches that need and can afford Subsplash could actually hit a break-even point and recoup their monthly app fees through decreased credit card processing rates.

I’m not confident that the monthly fees for Planning Center are justified, especially as their platform is tied to the amount of transactions per month; however, if your church is already committed to their platform, the additional cost may be worth considering, giving you a unified system for every aspect of your church. One unique aspect of PC’s setup is that they integrate with check readers, a handy tool for increasing counting accuracy, speed, and accountability. Breeze may work well for your church if you have not already committed to another church management software.

Two other financial tools are also worth a mention before we go:

  • Quickbooks: This is the gold standard in accounting software. It’s bulky and non-intuitive (pun intended), but a necessary tool for your church’s finances. Subscription costs normally range from $15 to $45 per month, but the best prices for churches are available on TechSoup.
  • The Cash App: The Cash app by Square is an incredibly simple and free tool for transferring cash from individual-to-individual. Whether you’re paying back another staff member for coffee or you’re a small group leader who wants the group to chip in for pizza, this is the app for you.

What’s working well for your church? Let me know in the comments or on social media.

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