2026 Church Giving Software Fee Comparison
What each platform actually costs your ministry when factoring in base subscriptions and transaction markups.
| Platform | Monthly Software Fee | Credit / Debit Card Fee | ACH Bank Fee | App Included? |
|---|---|---|---|---|
| SWAPP Best Value | $49 / mo flat | 0% Platform Markup (Direct Stripe) | $0.25 flat ACH | Included |
| Planning Center Giving | $19 - $199 / mo (Scales with donors) | 2.3% + $0.30 (Stripe) | $0.25 - $0.30 | Church Center app |
| Tithe.ly | $0 - $119 / mo (All-access tier) | 2.9% + $0.30 | 1% + $0.30 | Extra fee for custom app |
| Pushpay | $199 - $499+ / mo (Annual contract) | Custom (Typically 2.5% - 3.2%) | 1% + fees | Custom app on top tiers |
| Subsplash | $149 - $349 / mo + setup fees | 2.3% - 2.9% + $0.30 | 1% ACH | Included in higher bundles |
Detailed Reviews of the Top 5 Church Giving Platforms
SWAPP Church Management & Giving
SWAPP was built to solve the corporate greed plaguing church software. While competitors take a cut of tithes, SWAPP passes 100% of donations directly to your church's Stripe merchant account. Beyond digital giving with Apple Pay and Google Pay, SWAPP includes custom iOS and Android mobile church apps, church CRM, digital attendance kiosks, and unlimited free soulwinning map printing.
Planning Center Giving
Planning Center has long been a staple in medium-to-large churches with multi-track worship services. Its giving tool integrates smoothly with Services and People modules. However, pricing climbs rapidly as your donor list grows, and churches must pay separately for every individual module (Check-Ins, Registrations, Groups).
Pushpay
Pushpay is an industry heavyweight popular among churches with thousands of members. It features advanced donor analytics and pledge campaigns. However, it requires expensive, multi-year contracts with steep cancellation penalties, making it cost-prohibitive for small and church plant congregations.
Keep 100% of Your Tithes for Gospel Ministry
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