Seamless Church Giving Software
Increase generosity and simplify your financial reporting with secure, integrated giving.
💳 Request 0% Giving SetupBest Church Giving Platforms & 0% Fee Breakdown
The best church giving platforms in 2026 prioritize zero platform fee markups, native iOS and Android donation apps, recurring tithe scheduling, and instant tax statements. While platforms like Pushpay and Tithe.ly charge recurring monthly software fees ($99-$199/mo) plus processor markups, SWAPP eliminates the middleman markup with 0% platform fees on all donations, passing 100% of your congregation's gifts directly to ministry work.
Core Capabilities
Everything you need to manage your ministry effectively and focus on what matters most.
Best Online Giving For Churches
Streamline your ministry with high-performance best online giving solutions.
Recurring Giving For Churches
Streamline your ministry with high-performance recurring giving solutions.
Church Tithe Tracking Software
Streamline your ministry with high-performance tithe tracking solutions.
Mobile Church Giving Apps
Streamline your ministry with high-performance mobile giving solutions.
Increasing Church Donations Online
Streamline your ministry with high-performance increase church giving solutions.
Secure Giving For Ministries
Streamline your ministry with high-performance secure church giving solutions.
Real-World Ministry Impact
See how SWAPP transforms daily operations into spiritual growth.
Recurring Generosity
Encourage consistent support with easy, set-it-and-forget-it recurring gift options.
Automated Tax Receipts
Save hours of admin time with automatically generated, professional end-of-year statements.
Low-Fee Processing
Keep more of every dollar for ministry with competitive, transparent processing rates.
Cluster Roadmap
Explore the full ecosystem of supporting guides and features for this ministry pillar.
Best Online Giving For Churches
Strategic Blog focusing on best online giving for modern ministries.
Live GuideRecurring Giving For Churches
Strategic guide on setting up automated weekly & monthly recurring tithing.
Live GuideChurch Tithe Tracking Software
Track cash, check, and digital contributions with multi-fund ledger accounting.
Live GuideMobile Church Giving Apps
Strategic Service focusing on mobile giving for modern ministries.
Live GuideIncreasing Church Donations Online
Strategic Blog focusing on increase church giving for modern ministries.
Live GuideSecure Giving For Ministries
Strategic Blog focusing on secure church giving for modern ministries.
Live GuideText-To-Give For Churches
Strategic Service focusing on text-to-give for modern ministries.
Live GuideKiosk Giving For Church Lobbies
Strategic Service focusing on kiosk giving for modern ministries.
Live GuideAutomated Tax Receipts For Churches
Strategic Service focusing on church tax receipts for modern ministries.
Live GuideChurch Financial Reporting Tools
Strategic Service focusing on church finance software for modern ministries.
Live GuideManaging Pledges And Capital Campaigns
Strategic Blog focusing on church capital campaigns for modern ministries.
Live GuideLow-Fee Church Giving Platforms
Strategic Blog focusing on cheap church giving for modern ministries.
Live GuideIntegrated Ledger For Church Giving
Strategic Service focusing on church ledger for modern ministries.
Live GuideCrypto Giving For Churches
Strategic Blog focusing on church crypto giving for modern ministries.
Live GuideNon-Profit Donation Management
Strategic Service focusing on donor management for modern ministries.
0% Fees0% Platform Fee Online Giving
Keep 100% of your congregation's tithes and donations with zero software platform fees.
IRS & RulesCash App for Churches Guide
IRS tax receipt rules, 501(c)(3) compliance, and transitioning from $Cashtags to 0% fee giving.
2026 ComparisonBest Church Giving Apps Review
Comprehensive side-by-side fee comparison of Pushpay, Subsplash, Tithe.ly, and SWAPP.
Mobile GivingChurch Text-to-Give Software
Frictionless SMS giving workflows enabling members to give in seconds from their phones.
Church Contribution Software: 2026 Fee Comparison Matrix
See how SWAPP eliminates third-party platform markups to save your church thousands every single year.
| Platform | Platform Fee | Monthly Software Cost | Card Processing | ACH Transfer | Mobile App & CRM |
|---|---|---|---|---|---|
| SWAPP | 0% Platform Fee | $19.99 / mo flat | Wholesale Stripe Pass-Through | $0.25 flat | ✓ Included Free |
| Planning Center Giving | Stripe Pass-Through | $19 - $199 / mo (Tiered by donors) | 2.3% + $0.30 | $0.25 - $0.30 | Church Center app only |
| Tithe.ly | Proprietary Markup | $0 - $119 / mo | 2.9% + $0.30 | 1% + $0.30 | Extra monthly add-on fee |
| Pushpay | Contract Cut | $199 - $499+ / mo (Annual locked) | 2.5% - 3.5% + fees | 1% + fees | High-tier bundle only |
| Subsplash Giving | Contract Cut | $99 - $350+ / mo + setup fees | 2.3% - 2.9% + $0.30 | 1% ACH | Higher-tier bundle only |
Frequently Asked Questions
What is church contribution software and why is it essential?
Church contribution software tracks and records member tithes, offerings, and designated fund donations across digital apps, text-to-give, cash, and checks. It automates financial ledger reconciliation and generates official IRS-compliant 501(c)(3) tax receipts at year-end, protecting your church's non-profit integrity and freeing staff from manual data entry.
Does SWAPP charge a platform fee on church tithes and digital offerings?
No! SWAPP charges 0% platform fees on church giving. 100% of member donations pass directly through your church's Stripe account at wholesale non-profit processing rates, saving churches $3,000 to $10,000+ per year compared to Tithe.ly, Pushpay, and Subsplash.
Can church members set up recurring giving and mobile tithing?
Yes! Members can schedule recurring tithes weekly, bi-weekly, or monthly from iOS, Android, or your church website, using Apple Pay, Google Pay, credit cards, or low-cost ACH bank transfers with automatic email receipts.
Does the giving software track cash, checks, and offline offerings?
Yes. SWAPP includes a central contribution ledger that lets church treasurers record physical Sunday cash envelopes and paper checks alongside digital gifts for unified bank deposits, auditing, and donor reporting.
Can donors access their annual IRS tax contribution statements?
Yes. Donors can log into their private member portal at any time to view their giving history and download official IRS-compliant contribution statements, eliminating manual paper mailing for church staff.
How does SWAPP compare to Pushpay, Subsplash, and Tithe.ly on giving fees?
Unlike Pushpay ($199-$499/mo plus fees), Subsplash ($99-$350/mo plus fees), and Tithe.ly (2.9% + $0.30 per gift), SWAPP charges a flat $19.99/mo with 0% platform fee markups, including custom mobile apps, CRM, and unlimited free outreach map printing.
Calculate Your Tithe Savings & Request 0% Giving Setup
Don't let third-party processors take 2.5% to 4% of every donation. Let our pastoral support team calculate your annual savings and help configure your 0% platform giving hub.