Wisefig

The 9 best church giving software in 2026

By Sankalp Jonna · Last reviewed April 2026

Online giving used to be the side project that pastors handled by passing a literal plate. In 2026, it's the front door. The platform you pick decides whether a one-time visitor becomes a repeat donor, how much your treasurer hates Mondays, and how much of every dollar leaves the building before it touches your fund accounts.

We tested fifteen church platforms hands-on across recurring setup, mobile flows, ACH handling, and Sunday-morning failure modes. Eight of them are worth a real evaluation. The rest either price small churches out, run on a 2018 donor experience, or only make sense if you're already locked into a larger suite.

Writing here is AI-assisted from raw testing notes. Judgments and rankings are ours. We have no affiliate relationships with the vendors below and the rankings reflect what we'd recommend a pastor friend, not what the vendor would prefer.

What makes a great church giving software?

Here’s what we look for when we evaluate this category. Every tool below was scored against the same criteria.

Recurring giving setup

How fast a first-time giver can set up a repeat gift, and how easily they can edit it without calling the office.

Transaction fees

All-in cost per dollar received, including platform fee, processor fee, and ACH versus card splits.

Donor experience

Mobile flow quality, autofill behavior, digital wallet support, and friction on the first ever gift.

Reporting depth

Donor retention cohorts, lapsed-giver alerts, pledge tracking, and clean exports for the bookkeeper.

Statement generation

Year-end tax statement workflows, batch sending, and how much manual cleanup the treasurer ends up doing in January.

Fraud and chargeback handling

How the platform flags suspicious gifts, handles disputes, and protects small churches from card-testing attacks.

Comparison at a glance

ToolScoreBest forPricingFree planStandout
Tithe.ly8.4Churches under 600 people who want online giving live this week with no monthly fee and no contract.Free tier availableFree giving plan with no monthly fee is the most aggressive pricing in the category by a wide margin.
Pushpay (with Church Community Builder)8.2Churches above 1,500 weekend attendance who want a high-touch CSM, a polished donor app, and CCB tied to giving records.Custom pricingThe donor-app experience and high-touch account management are unmatched at the megachurch scale.
Planning Center9.3Existing Planning Center churches who want giving tied to people records and statements without leaving the suite.Free tier availableServices is the best worship-planning and volunteer-scheduling tool in the entire category, full stop.
Givelify7.6Black church, AME, and Pentecostal congregations whose members already have the Givelify app installed.Free tier availableThe pre-installed donor base — millions of givers already have the Givelify app — is a genuine network effect.
Continue To Give7.4Churches with donors asking about stock or crypto giving who don't want to redirect them to a third party.Free tier availableStock and cryptocurrency giving are properly built in, not just an awkward redirect to a third party.
Subsplash8.0Media-forward churches whose donor experience flows through the church's branded mobile app, not a generic giving page.Custom pricingThe custom-branded app is the best in the category and the only one that consistently feels like a real native product.
Breeze ChMS8.7Existing Breeze churches who want giving inside the same database as people, attendance, and check-in.From $72/moPricing transparency is the cleanest in the category — one number, unlimited everything.
EasyTithe6.6Existing Servant Keeper or Ministry Brands customers who need their giving rail to stay inside the family.Free tier availableStrong continuity for existing Servant Keeper and Ministry Brands customers who need integrated giving.
Aplos7.4Churches that already need Aplos for fund accounting and want their giving to post directly to the ledger as journal entries with no manual sync.From $79/moGenuine fund accounting designed for nonprofits, paired with donor management and giving in a single ledger.

1. Tithe.ly

8.4 / 10Free tier available

Aggressively priced giving platform with a growing ChMS, app, and website stack underneath it.

Tithe.ly product screenshot
Pros
  • Free giving plan with no monthly fee genuinely removes the financial barrier for churches launching online giving.
  • All-Access bundle is the cheapest path to website + app + giving + ChMS in a single bill.
  • Sites builder produces clean, mobile-first church websites without needing a developer.
  • Active acquisition strategy (Breeze, Elvanto) means the platform footprint keeps expanding.
  • Migrating donors from another platform is smooth — Tithe.ly will actively help move recurring gifts.
Cons
  • Multiple acquired products under one brand creates a confusing UX; ChMS, Sites, and Giving all feel like different apps.
  • Customer support has slipped in 2024-2025 reviews; ticket times stretched to days during peak season.
  • Reporting is functional but can't match Pushpay or Planning Center for cohort analysis.
  • Volunteer scheduling exists but most churches still use Planning Center Services alongside it.
  • Roadmap priorities are unclear — it's hard to tell which acquired product is actually getting investment.
Best for

Churches under 600 people who want online giving live this week with no monthly fee and no contract.

Skip if

You need cohort-level donor analytics or you're processing enough volume that a negotiated rate beats Tithe.ly's flat pricing.

Tithe.ly's bet on free giving was the right one, and it's how they got footholds in tens of thousands of churches. The harder bet is whether they can stitch Breeze, Elvanto, Sites, and the original Giving app into something that feels like one product. Right now it doesn't — it feels like a holding company. For a 150-person church just trying to take their first online gift, that doesn't matter and you should sign up today. For a 600-person church evaluating an all-in-one, the seams are visible enough that we'd seriously look at Planning Center plus a separate website tool instead.

2. Pushpay (with Church Community Builder)

8.2 / 10Custom pricing

Enterprise-grade giving and ChMS suite aimed squarely at large multi-campus churches.

Pushpay (with Church Community Builder) product screenshot
Pros
  • Donor experience is genuinely best-in-class: text-to-give, recurring setup, and digital wallet flows have very low friction.
  • Branded app product is mature and used by many of the largest churches in the US, with solid sermon and live-stream playback.
  • Reporting on giving is deep — donor retention cohorts, lapsed-giver flagging, and pledge tracking are first-class.
  • Account management is high-touch; your CSM actually knows your campus structure and giving patterns.
  • CCB integration lets you tie giving back to small-group attendance and discipleship paths in one record.
Cons
  • Pricing is opaque and quote-only; smaller churches routinely get pushed out of the funnel by sales gating.
  • Transaction fees are higher than Stripe-direct competitors like Tithe.ly or Planning Center Giving.
  • Contracts are typically annual and often multi-year, with auto-renewal clauses that catch staff off guard.
  • CCB feels like the older product in the pairing; UI hasn't kept pace with Planning Center or newer entrants.
  • Switching off Pushpay is meaningfully painful — donor data export and recurring-gift migration both require manual coordination.
Best for

Churches above 1,500 weekend attendance who want a high-touch CSM, a polished donor app, and CCB tied to giving records.

Skip if

You're under 500 people or you refuse to sign a multi-year contract to find out what the platform costs.

Pushpay is the enterprise pick. If you're a 5,000-person multi-site church, you almost certainly already use it or have considered it, and the reasons are real: the donor app converts, the CSM relationship matters when you're processing seven figures of giving annually, and the CCB pairing covers most of what you need. The catch is that you pay for that polish, and the contract structure makes it hard to leave. We'd push back hard on any church under 500 people who's been pitched this — you're paying for a tier of service you won't use.

3. Planning Center

9.3 / 10Free tier available

The modular industry standard for service planning, volunteer scheduling, and people management.

Planning Center product screenshot
Pros
  • Modular pricing means you only pay for the products you actually use, instead of bundling features you'll never touch.
  • Services module is genuinely the gold standard for worship planning, with chord charts, rehearsal recordings, and conflict-aware scheduling.
  • Church Center mobile app gives members one polished entry point for giving, groups, events, and check-in.
  • Strong API and webhook coverage make it the easiest ChMS to integrate with custom tooling or third-party reporting.
  • Onboarding is self-serve and well-documented; most churches go live without a paid implementation contract.
Cons
  • Costs add up fast once you adopt 4-5 modules; a 500-person church can easily spend $250+/month before processing fees.
  • No native general-ledger accounting, so finance teams still need QuickBooks or another system alongside it.
  • Reporting across modules is inconsistent; some products have rich filters, others feel like an afterthought.
  • The product suite still feels like separate apps stitched together, which means navigating between Services, People, and Giving has friction.
  • No website builder, so churches needing a CMS have to pair it with Squarespace, Subsplash, or similar.
Best for

Existing Planning Center churches who want giving tied to people records and statements without leaving the suite.

Skip if

You're not already on Planning Center; the value is the integration, not the giving product on its own.

Planning Center has earned its reputation. Services in particular is the kind of product that ruins you for competitors — once a worship pastor has scheduled bands, sent rehearsal mp3s, and tracked declines from a phone, going back to spreadsheets feels archaic. The trade-off is that PCO has stayed deliberately narrow: no accounting, no website builder, no live streaming. That focus is the reason each module is so good, but it also means you'll be writing checks to two or three other vendors. For churches over ~150 people with a real worship rotation, this is the safe pick. Smaller churches should look at Breeze first.

4. Givelify

7.6 / 10Free tier available

Donor-app-first giving platform that prioritizes ease of one-time mobile gifts over deep ChMS reporting.

Givelify product screenshot
Pros
  • The donor app has unusually high install volume across Black church and historically Black denomination contexts.
  • Donor experience is genuinely two taps to give; setup friction for new givers is among the lowest in the category.
  • No monthly fee means even tiny churches can adopt it without a budget conversation.
  • Onboarding for the church side is fast — most accounts go live the same day.
  • Strong brand presence in specific denominational communities (AME, Pentecostal, Baptist) creates donor familiarity.
Cons
  • Transaction fees are flat at 2.9% + $0.30 with no break for ACH or high volume — expensive at scale.
  • It's a giving app only, not a ChMS; you'll need a separate tool for membership and check-in.
  • Reporting is shallow compared to Pushpay or Planning Center Giving.
  • Limited donor segmentation, lapsed-giver alerts, or pledge tracking.
  • Branded-app experience is Givelify's app, not your church's; some staff feel that dilutes their brand.
Best for

Black church, AME, and Pentecostal congregations whose members already have the Givelify app installed.

Skip if

You process enough volume that the flat 2.9% fee starts costing you more than a monthly platform fee would.

Givelify is one of the few church tools whose primary moat is consumer-side network effects. In specific denominational communities — particularly Black churches — the app is already on members' phones, and that genuinely matters. The giving experience is excellent for one-time gifts. Where it falls short is anything beyond giving: there's no ChMS, reporting is thin, and the 2.9% fee at higher volumes adds up versus Stripe-direct competitors. Use it as a giving rail, not a platform.

5. Continue To Give

7.4 / 10Free tier available

Multi-channel giving platform with strong text-to-give and crypto/stock donation support for nonprofits.

Continue To Give product screenshot
Pros
  • Supports unusually broad giving channels — text, kiosk, app, web, stock, and crypto — in one platform.
  • Tiered pricing actually rewards volume with better rates, unlike flat-fee competitors.
  • Stock and crypto giving are first-class, not bolted-on, which matters for some donor segments.
  • Recurring giving setup is clean and the donor portal allows self-service edits.
  • Free plan is genuinely usable for very small churches that want a no-commitment start.
Cons
  • Brand recognition is low; donors don't already have the app installed the way they might with Givelify.
  • Not a ChMS; you'll need a separate tool for membership, attendance, and groups.
  • Reporting is functional but lacks the cohort and retention analyses Pushpay offers.
  • The volume of giving channels can feel overwhelming for small churches that just want one online form.
  • Customer support is fine but smaller than the major platforms, which can mean slower turnaround at peak.
Best for

Churches with donors asking about stock or crypto giving who don't want to redirect them to a third party.

Skip if

You just need a simple credit card form on your homepage and exotic giving channels would be noise.

Continue To Give is a thoughtful platform that's quietly built one of the broadest giving-channel feature sets in the category. If you have donors asking about stock or crypto giving, this is one of the only platforms that handles it without making you call a sales rep. The trade-off is brand and ecosystem: there's no installed donor base, no ChMS underneath, no growing app footprint. We see it as a specialist giving tool — pick it for the channel breadth, pair it with a real ChMS, and don't expect it to be a platform play.

6. Subsplash

8.0 / 10Custom pricing

Custom church mobile apps and media platform that has grown into a full giving and ChMS suite.

Subsplash product screenshot
Pros
  • App quality is genuinely high — fast launch times, polished sermon player, native feel on iOS and Android.
  • Bundled live streaming and media hosting saves churches from paying separately for Resi or Vimeo OTT.
  • Custom-branded app distribution under your church's name on the app stores is included, not an upcharge.
  • Subsplash One bundle is one of the few real all-in-ones if you want app, web, giving, and CRM from one vendor.
  • Customer success is responsive and includes app store submission/maintenance, which removes a real burden.
Cons
  • Pricing is sales-gated and aggressive; sticker shock is the most common complaint in third-party reviews.
  • Multi-year contracts are standard and difficult to exit early.
  • ChMS module is the weakest part of the suite and feels bolted on compared to Planning Center or Breeze.
  • Volunteer scheduling is essentially absent — churches keep Planning Center Services alongside.
  • Renewal pricing tends to climb meaningfully year over year unless you actively renegotiate.
Best for

Media-forward churches whose donor experience flows through the church's branded mobile app, not a generic giving page.

Skip if

Giving is your only need; you'll be paying for app and streaming you don't use.

Subsplash is what you buy when you want your church to feel like a media company. The app is excellent and it's the reason most customers stay. The rest of the suite ranges from competent to noticeably weaker than category leaders, and the pricing model is firmly enterprise — expect a sales call, expect a contract, and expect renewal bumps. We'd recommend it without reservation to churches whose digital strategy is media-heavy. For churches whose primary problem is 'we need a database that works,' there are better and cheaper answers.

7. Breeze ChMS

8.7 / 10From $72/mo

Flat-fee, simple ChMS that wins on pricing transparency for small and mid-size churches.

Breeze ChMS product screenshot
Pros
  • One flat price means you can plan your budget for the year without worrying about hitting member-count brackets.
  • Setup genuinely takes an afternoon; the data import wizard and contextual help are aimed at non-technical office staff.
  • Free 1-on-1 onboarding calls are included, which is rare at this price point.
  • Tagging system replaces the rigid groups/lists model used by older ChMS and is far more flexible for small staffs.
  • Works as well from a Chromebook in a church office as from a phone, with no separate admin app.
Cons
  • Volunteer scheduling is functional but a tier below Planning Center Services for any church with a band rotation.
  • Reporting is shallow; you can't easily slice attendance against giving over a multi-year window without exports.
  • No general-ledger accounting; you'll still need QuickBooks or Aplos for finance.
  • Acquired by Tithe.ly in 2021 and roadmap velocity has visibly slowed since.
  • No website builder and no native live streaming; very much a back-office tool, not a digital front door.
Best for

Existing Breeze churches who want giving inside the same database as people, attendance, and check-in.

Skip if

You aren't already paying the Breeze monthly fee; the giving product alone isn't differentiated enough.

Breeze is what most small-church administrators actually want: a flat $72/month bill, a database that doesn't fight them, and check-in that works on Sunday morning. It's not the most powerful ChMS — Planning Center will out-feature it on every comparison sheet — but it's the one we'd recommend to a 200-person church without hesitation. The post-acquisition slowdown is the asterisk. Tithe.ly clearly bought Breeze for the customer base, and the product hasn't made a major leap in two years. If you sign up now, you're betting it stays this good rather than gets meaningfully better.

8. EasyTithe

6.6 / 10Free tier available

Long-running giving processor now consolidated under Ministry Brands, mostly maintained for its existing base.

EasyTithe product screenshot
Pros
  • Free tier with no monthly fee is genuinely usable, similar to Tithe.ly.
  • Tight integration with Servant Keeper and other Ministry Brands products eases workflow for existing customers.
  • Volume-based tiering rewards larger churches with lower processing rates.
  • Long track record of compliant tax-statement and reporting workflows.
  • Simple to set up if you don't need anything beyond a basic giving form.
Cons
  • Roadmap and product investment have visibly slowed since the Ministry Brands consolidation.
  • UI feels generations behind Tithe.ly, Givelify, or Planning Center Giving.
  • Brand and donor app have minimal awareness outside the existing Ministry Brands customer base.
  • Customer support quality has slipped according to multiple recent third-party reviews.
  • No standalone ChMS underneath — you'll be paying for another tool alongside it.
Best for

Existing Servant Keeper or Ministry Brands customers who need their giving rail to stay inside the family.

Skip if

You're a fresh buyer with no Ministry Brands ties — Tithe.ly or Givelify will serve you better at the same price.

EasyTithe is, frankly, in maintenance mode. It does what it's done for years — process online and text giving, generate tax statements, integrate with Servant Keeper — and it does it competently. But the energy in the giving-platform category is clearly elsewhere: Tithe.ly's pricing, Givelify's donor network, Planning Center's reporting. We'd only recommend EasyTithe to existing customers in the Ministry Brands orbit who would feel the cost of switching. For everyone else, this is a category where the leaders have meaningfully pulled ahead, and there's no reason to choose the laggard.

9. Aplos

7.4 / 10From $79/mo

Fund-accounting-first software for churches and small nonprofits, with donor management and online giving in one ledger.

Aplos product screenshot
Pros
  • Built around true fund accounting, which is the right architecture for churches that need to track restricted gifts, designated funds, and grant balances cleanly.
  • Bundles bookkeeping, online giving, donor management, and contribution statements into one system, so small churches don't have to stitch QuickBooks plus a ChMS plus a giving platform together.
  • The interface is unusually approachable for accounting software, and treasurers without an accounting background routinely report being able to run month-end without a CPA.
  • Reporting is purpose-built for nonprofits, including IRS Form 990 prep helpers, designated-fund balance reports, and donor acknowledgement letters that satisfy IRS substantiation rules.
  • The company has been independent and focused on nonprofits since 2009, with steady product investment rather than the feature stagnation common in church-tech.
Cons
  • No child check-in, no volunteer scheduling, no attendance tracking, and no small-groups module, so it isn't a real ChMS in the Planning Center or Breeze sense.
  • No live-streaming product and no first-class mobile app for congregants; the mobile experience is a thin ledger-entry app for staff.
  • SMS messaging is absent, and mass email is functional but basic compared to Mailchimp or a dedicated ChMS communications module.
  • Pricing has crept up materially in recent years, with multiple reviewers reporting 30 to 300 percent jumps at renewal, and the $79 entry tier feels expensive for a church under 100 people.
  • Customer support quality is inconsistent, with recent reviews describing long phone holds and slow ticket turnaround during peak season.
Best for

Churches that already need Aplos for fund accounting and want their giving to post directly to the ledger as journal entries with no manual sync.

Skip if

You only need a giving rail and have no plans to use Aplos for accounting — the giving fees are higher than Tithe.ly and the donor UX is more checkout-page than branded-app.

Aplos is one of the few products that takes fund accounting seriously without requiring a CPA to operate it, and that's a real and underserved niche. For a church treasurer drowning in QuickBooks workarounds and a separate giving platform, consolidating onto Aplos genuinely simplifies the back office. The trade-off is that Aplos is a finance system with a donor database bolted on, not a church management system, so anyone expecting check-in, scheduling, or congregant-facing apps will be disappointed. Pricing is also drifting upward faster than the feature set is, which makes the value calculus tighter than it was three years ago. Recommended for finance-first churches; pair it with a real ChMS rather than expecting it to replace one.

Verdict

If you're starting from zero and don't already have a ChMS you love, Tithe.ly is the right call. The free giving plan removes the budget conversation entirely, the donor flow is competitive with anything except Pushpay, and you can have your first online gift live the same afternoon. It's the answer for the long tail of churches under 600 attendees.

If you're already a Planning Center church, just turn on Planning Center Giving. The integration with the rest of the suite — pledges, donor records, statement generation — is worth more than any rate difference you'll get elsewhere. And if you're a 1,500+ attendee multi-site with a real development office, Pushpay is still the enterprise pick despite the contract structure; the donor app and CSM relationship genuinely earn their keep at that scale.

The one tool we'd push readers toward in a specific case: if your members are predominantly in Black church or AME communities, Givelify's pre-installed donor base is a real network effect and worth the higher all-in fee.

Frequently asked questions

What does church giving software actually cost?
There are two pricing models that matter. Most modern platforms (Tithe.ly, Givelify, Continue To Give) have no monthly fee and make their money from the per-transaction processing rate, which lands somewhere between 2.5% and 2.9% plus $0.30 for cards, and 1% or so for ACH. Suite vendors (Pushpay, Subsplash, Realm) charge a quote-based monthly platform fee on top of processing, often $200-500/month, in exchange for ChMS, app, and reporting features bundled in. For a 200-person church, the no-monthly-fee tier is almost always cheaper. For a 2,000-person church with a real development office, the suite pricing can pay for itself in the donor retention reporting alone.
Does Planning Center charge transaction fees on giving?
Yes. Planning Center Giving is 2.15% + $0.30 for credit and debit card transactions, and 1% for ACH bank transfers. The platform fee is folded into the monthly Planning Center subscription, so you don't see a separate platform line. Stripe powers the actual processing under the hood, but you're billed by Planning Center directly. There's no contract on giving specifically — it's billed month-to-month alongside whatever Planning Center modules you're using. The rates are competitive with everything except Tithe.ly's free tier and certain negotiated Pushpay rates at very high volume.
Can donors cover the fees so 100% of the gift reaches the church?
Most platforms now support fee coverage as an opt-in checkbox on the donor flow. Tithe.ly, Planning Center Giving, Pushpay, Givelify, and Continue To Give all let donors elect to add the processing fee to their gift. Adoption rates vary wildly — we've seen anywhere from 30% to 70% of donors check the box, with higher rates correlating with how prominently the option is displayed. It's worth turning on. The one caveat: be honest with donors about what they're covering. The best implementations show the exact fee amount, not just 'help cover processing.'
Can we move recurring gifts from one platform to another?
Sort of, and it's the single most underrated friction in switching giving platforms. Card data is locked inside the original processor for PCI reasons, so you can't simply export a CSV of credit card numbers. What you can move is the donor list, gift history, and pledge records. The actual recurring gift has to be re-authorized by the donor on the new platform. Pushpay, Tithe.ly, and Planning Center all have migration teams who will email-and-text-blast your donors with a re-enrollment link. Plan for 60-80% of recurring givers to re-enroll within 90 days. The rest will quietly churn unless you call them.
What about text-to-give? Is it still worth setting up?
Yes, but expectations have changed. Text-to-give was the headline feature in 2017 because giving from a phone was novel. In {year}, donors expect to give from a phone by default — the text channel is just one of several mobile rails, and it's not even the most-used. Pushpay, Tithe.ly, Givelify, and Continue To Give all support text-to-give, and setup typically takes 10 minutes. We'd turn it on because it's free and a small subset of donors prefer it, especially older members who don't want to download an app. We wouldn't pick a platform based on text-to-give quality.
How do we handle chargebacks and card-testing fraud?
Card-testing is the more common attack on church giving — bots making rapid $1 gifts to validate stolen card numbers — and platform handling varies. Pushpay has the most mature fraud detection because of its enterprise volume. Tithe.ly, Planning Center, and Stripe-direct platforms inherit Stripe's Radar protection, which catches the vast majority of card-testing patterns automatically. The platforms that worry us a little are the older ones (EasyTithe, some Vanco-powered processors) where fraud monitoring depends more on manual review. If you take more than a couple thousand a week online, ask the vendor specifically what they do for velocity-based fraud and what your liability is on chargebacks.
Should we just use Stripe directly and build our own form?
If you have an engineer on staff, yes — Stripe Checkout plus a simple recurring-gift webhook will be the cheapest option you'll ever find, at 2.9% + $0.30 with no platform fee. The catch is everything else: tax statement generation, donor portals, recurring gift edits, soft credits for joint households, pledge campaigns, and ACH onboarding all have to be built or bolted on. Most churches we've seen go this route revert within 18 months because the operational load on the bookkeeper grows faster than expected. The platforms above charge you a markup precisely to handle that operational load.
Is ACH or credit card better for the church's bottom line?
ACH wins on fees by a wide margin — typically 1% versus 2.5-2.9% — and most platforms let you nudge donors toward bank-account giving on the donor side. The trade-off is conversion. ACH requires routing and account numbers, which is more friction than a credit card autofill. Donors who feel friction sometimes don't complete the gift. Our recommendation: lead with credit card on the donor flow but make ACH visible as a 'save the church on fees' option, and you'll capture the 20-30% of givers who care.