Payment Processing That Makes Giving Easy and Keeps More of Every Donation
Tithes and donations are acts of generosity. Your processor shouldn't take a bigger cut than necessary. We help churches and religious organizations minimize fees and maximize every gift.
High Processing Fees Reduce the Impact of Every Donation
On a typical Sunday, a church might collect $15,000 in donations. At 2.9% + $0.30 per transaction, you're giving away $500+ every week to your processor. Over a year, that's $26,000 that could fund programs, missions, and community work.
And without recurring giving set up properly, you're relying on members to remember every week. Automated giving increases consistency and total donations significantly.
Processing That Serves Your Mission
Make giving easy, consistent, and cost-effective.
Free Statement Audit
We analyze your current donation processing and show you exactly how much you're losing in fees.
Interchange-Plus Pricing
Donations don't need to cost 2.9%. We get you the lowest possible rate on every gift.
Recurring Giving
Set up automatic tithes with account updater. Expired cards update automatically so giving never stops.
Text-to-Give & QR Codes
Let members give from their phones during services. Simple setup, immediate impact.
No Contracts
Month-to-month. We serve your ministry through savings, not binding agreements.
Dedicated Support
A real person who understands church operations picks up when you call.
From Local Congregations to Multi-Campus Ministries
Churches
All denominations & sizes
Ministries
Outreach & mission organizations
Synagogues
Jewish congregations
Mosques
Islamic centers & communities
Religious Schools
Faith-based education
Mission Organizations
International & domestic missions
If your organization accepts donations by card, we can save you money.
How Modern Payment Processing Can Increase Church Giving by 20% or More
Church giving patterns have shifted dramatically. Cash in the offering plate now represents less than 30% of total church donations — down from over 80% a decade ago. Card payments, online giving, and mobile donations make up the growing majority. Yet many churches still treat electronic giving as an afterthought, paying excessive processing fees that drain their budgets.
The numbers are stark: a church collecting $30,000/month in card and online donations at 2.9% + $0.30 per transaction pays approximately $900/month in processing fees — $10,800/year. For many churches, that's a staff salary, a missions trip, or significant community program funding that's going to a payment processor instead.
On interchange-plus pricing, that same $30,000/month typically costs $550-$650 in processing — saving $250-$350/month or $3,000-$4,200/year. For larger churches processing $100,000+/month, annual savings regularly exceed $10,000.
Recurring Giving: The Foundation of Financial Stability
Research consistently shows that churches with strong recurring giving programs have 30-40% more stable revenue than those relying on weekly plate offerings. When giving is automated, it's consistent — members don't skip when they're traveling, sick, or simply forget. Seasonal dips (summer, holidays) become much less pronounced.
Our recurring giving system makes setup simple for members and management simple for your finance team. Members authorize a monthly charge, their card is securely stored, and donations process automatically on their chosen date. Account updater ensures that expired cards are automatically refreshed — so a member who set up recurring giving three years ago continues giving even when their bank issues a new card.
Churches that implement recurring giving typically see a 20-30% increase in total annual giving within the first year. This isn't because members give more per gift — it's because automated giving eliminates missed weeks and creates consistency.
Text-to-Give and QR Codes: Meeting People Where They Are
Text-to-give allows congregants to make a donation by sending a text message to a designated number. First-time givers set up their payment information once via a secure link; subsequent gifts are as simple as texting an amount. QR codes work similarly — scan a code displayed on screens or printed materials, enter an amount, and give instantly.
These methods are particularly effective for reaching younger congregants who don't carry cash or checkbooks. They're also powerful tools during special appeals, building campaigns, and missions fundraising — when emotional connection is high and you want to capture giving intent immediately.
Online Giving Portals: 24/7 Donation Access
An online giving portal on your church website allows members to give anytime — not just during services. Many churches see significant giving through their online portal during the week, particularly from members who watch livestreams or listen to sermon recordings. Having a professional, easy-to-use giving page removes friction and makes generosity simple.
Our giving portal integrates directly into your existing website — no redirect to a third-party site. Members stay on your church's domain, maintaining trust and brand consistency. The portal supports one-time and recurring gifts, fund designation (tithes, building fund, missions, etc.), and generates automatic tax receipts.
Church Processing Costs: Flat-Rate vs. Interchange-Plus
| Donation Type | Amount | Flat-Rate (2.9%) | Interchange-Plus | You Save |
|---|---|---|---|---|
| Weekly Tithe (Card) | $100 | $3.20 | $2.10 | $1.10 |
| Monthly Recurring | $250 | $7.55 | $4.88 | $2.67 |
| Special Offering | $500 | $14.80 | $9.50 | $5.30 |
| Building Fund Gift | $1,000 | $29.30 | $18.70 | $10.60 |
| Major Donor Gift | $5,000 | $145.30 | $92.50 | $52.80 |
| Text-to-Give | $50 | $1.75 | $1.15 | $0.60 |
Church Payment Processing FAQ
Do you provide year-end tax receipts for donors?
Yes. Our system generates automatic receipts for each donation, and we can provide year-end giving statements for your members that meet IRS requirements. Members receive email receipts after each gift, and your finance team can generate annual reports for tax season.
Can members designate their gifts to specific funds?
Absolutely. Whether it's general tithes, building fund, missions, youth ministry, or benevolence — your online portal and text-to-give system support fund designation. Members choose which fund their gift supports, and your reports show giving breakdowns by fund.
How does text-to-give work technically?
You get a dedicated phone number or keyword. First-time givers text your keyword and receive a secure link to set up their payment information (one-time setup). After that, they simply text an amount to give. The charge processes on their stored card and they receive an immediate confirmation. Setup takes about 10 minutes.
Is our church data secure with your system?
Yes. All payment data is PCI DSS Level 1 compliant — the highest level of payment security. Card numbers are tokenized (replaced with non-sensitive tokens) and never stored in readable form. Your donor information is encrypted in transit and at rest.
What if a recurring donor's card is declined?
Account updater automatically refreshes expired or replaced cards. For temporary declines (insufficient funds), smart retry logic attempts the charge at optimal times over the next several days. If the charge ultimately fails, you receive a notification so your team can reach out personally. Most temporary declines recover within 48 hours.
Can we accept donations during a livestream?
Yes. You can display a QR code during your livestream, share a giving link in the chat, or promote your text-to-give number. Online viewers can give instantly from their phone or computer. Many churches see 15-25% of their total weekly giving come through digital channels during and after services.
Trusted by Businesses Nationwide
"We were losing $2,000/month in processing fees on donations. Payment USA cut that by 40%. That's missions funded."
"Text-to-give increased our weekly donations by 20%. Members love the convenience."
"Recurring giving with auto card updates means consistent revenue month after month. No more seasonal dips."
Every Dollar Saved on Fees Is a Dollar That Serves Your Mission.
Send us a recent statement. We'll show you exactly how much you can save — and how recurring giving and text-to-give can increase donations.
Get My Free Church Savings Review →Most merchants hear back within one business day.
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