How we make this list: we compare pricing pages, product documentation and public user reviews. Rankite is independent; if a vendor ever pays for a featured spot, that listing is clearly labeled Partner.
Key takeaways
- If you only want text-to-give with no monthly bill, Tithe.ly Giving, Givelify and Subsplash Giving all charge $0 per month and take only per-transaction fees (around 2.9% + $0.30).
- RebelGive flips the model: a flat $49 per month and your church keeps 100% of every gift, with donors covering the processing fee (2.3% on cards, $0.25 flat on bank transfers).
- Churches that also need member management should compare Tithe.ly All Access ($119 per month bundle), Pushpay (custom quote) and Breeze (flat-rate ChMS now under Tithely).
- Watch the fee math, not the monthly price: a "free" platform at 2.9% + $0.30 costs a church receiving $20,000 a month roughly $640 in fees.
- Every platform here supports recurring gifts and year-end statements. Text-to-give itself is table stakes; the differences are fees, support and what else the platform does.
Quick comparison
| Tool | Best for | Starting price | Free plan |
|---|
 Tithe.ly | Churches that want free giving now with room to add management tools later | $0/month for Tithely Giving; card transactions 2.9% + $0.30, bank (ACH) 1% + $0.30, Amex 3.5% + $0.30 | Yes (Giving has no monthly fees and no setup costs) |
 Pushpay | Mid-size and large churches that want giving tied to engagement analytics | See website (custom quotes; no public pricing) | No |
 Givelify | Small churches that want the simplest possible mobile giving | $0/month; 2.9% + $0.30 per transaction (Amex 3.5% + $0.30) | Yes (no monthly, signup or maintenance fees) |
 Subsplash Giving | Churches that want giving inside one app, website and media platform | $0/month for Subsplash Giving; full platform plans are custom-quoted | Yes (Giving itself is $0/month with no setup fees) |
 EasyTithe | Churches already using Ministry Brands products | See website (no public pricing; free to start) | Free to start (trial basis) |
 Breeze | Small churches that want dead-simple member management with giving included | See website (flat-rate plans; check current pricing) | Free trial (no credit card required, per vendor) |
 Aplos | Churches whose treasurer needs real fund accounting, not just a giving button | See website (quote/trial based) | 15-day free trial (no credit card required) |
 Donorbox | Churches that want to launch fast with maximum payment options | $0/month (Standard plan); 2.95% platform fee on donations | Yes (Standard plan has no monthly or setup fees) |
 RebelGive | Churches that would rather pay one flat fee than a percentage of every gift | $49/month flat; the church receives 100% of every gift | No |
 SecureGive | Churches that want lobby kiosks plus digital giving from one vendor | See website (quote-based plans by campus count) | No |
Is your product missing or out of date?
We review this list regularly. Vendors can request a listing, send updated pricing or ask about featured placement.
The best text-to-give platforms for churches
It is Monday morning and your finance volunteer is reconciling yesterday's offering: some cash, some checks, and a growing pile of digital gifts that arrived by text, app and website. The question is not whether to accept digital giving anymore. It is which platform takes the smallest bite, causes the fewest headaches and actually fits how your congregation gives. These ten cover the real market, from free text-to-give tools to full church platforms, with the fee math spelled out.
#1
Tithe.ly
Best for: Churches that want free giving now with room to add management tools later
Visit get.tithe.ly
Starting price$0/month for Tithely Giving; card transactions 2.9% + $0.30, bank (ACH) 1% + $0.30, Amex 3.5% + $0.30
Free planYes (Giving has no monthly fees and no setup costs)
Tithe.ly (now branded Tithely) is the most common starting point for a reason: you can launch text-to-give and online giving with no monthly fee and no setup cost. Members text a keyword, give in seconds, and can cover the processing fee themselves. Recurring gifts, pledge campaigns and end-of-year tax statements are included.
The honest catch is the fee schedule. At 2.9% + $0.30 per card gift, a church receiving $20,000 a month digitally pays about $640 in processing. Encourage ACH (1% + $0.30) and the fee-cover option to cut that roughly in half. If you later want the management suite, the All Access bundle runs $119 per month.
What we like- Giving itself is genuinely free with text-to-give, mobile and online included
- Transparent published transaction rates
- Optional All Access bundle ($119/month) adds church management, app, website and more
Watch out for- The per-transaction fees add up fast at volume
- The free Giving product is a natural on-ramp to paid Tithely bundles
#2
Pushpay
Best for: Mid-size and large churches that want giving tied to engagement analytics
Visit pushpay.com
Starting priceSee website (custom quotes; no public pricing)
Free planNo
Pushpay sells outcomes, not just a donate button: gifts complete in under six seconds, lapsed-donor recovery runs automatically, and engagement data shows which members are drifting. For churches with staff who will actually use the analytics, that is a real advantage. Catholic parishes get ParishStaq, a dedicated product line.
The commercial reality is that Pushpay plays in the enterprise lane. Expect an annual contract and a quote shaped by your size. Small churches usually find the same text-to-give experience for far less elsewhere. If you are choosing Pushpay, negotiate the processing rates and the contract length before signing.
What we like- Fast one-screen giving flow with no account required
- Donor-journey analytics that flag at-risk givers
- Deep product line (ChurchStaq, ParishStaq, apps, livestreaming via Resi)
Watch out for- Custom pricing means a sales process and typically the highest cost on this list
- More platform than a small church will ever use
#3
Givelify
Best for: Small churches that want the simplest possible mobile giving
Visit givelify.com
Starting price$0/month; 2.9% + $0.30 per transaction (Amex 3.5% + $0.30)
Free planYes (no monthly, signup or maintenance fees)
Givelify is the easiest text and mobile giving tool to explain to a congregation: download the app, find your church, give in three taps. There is genuinely no monthly bill, which makes it a favorite of church plants and small congregations. Donors get instant tax-compliant receipts and the church gets basic reporting.
The trade is that you pay for that simplicity on every transaction, and there is no published path to lower rates as you grow. Churches that outgrow it usually move when monthly processing fees exceed what a flat-fee platform would cost. Do that math at around $10,000 to $15,000 in monthly digital giving.
What we like- Three-tap giving that even non-technical members manage
- No monthly fees of any kind
- Strong app store ratings and instant donor receipts
Watch out for- Every gift costs you 2.9% + $0.30 with no volume discount published
- The admin side is thinner than full church suites
#4
Subsplash Giving
Best for: Churches that want giving inside one app, website and media platform
Visit subsplash.com
Starting price$0/month for Subsplash Giving; full platform plans are custom-quoted
Free planYes (Giving itself is $0/month with no setup fees)
Subsplash Giving is free as a product: $0 per month, no setup costs, embeddable on your site or inside your Subsplash church app. That makes it compelling if you already run (or plan to run) your app, website and sermon media on Subsplash, since one vendor and one invoice replaces four or five tools.
Bought alone, it is a solid free giving tool with recurring gifts and donor reports. The honest catch is strategic: Subsplash's business is the platform bundle, so pricing for the whole stack requires a sales conversation. Churches that only need giving may find a simpler vendor easier to deal with.
What we like- Giving costs nothing per month and plugs into Subsplash apps, websites and livestreaming
- Guest giving with no account required
- Donor-covered fee option
Watch out for- The real product is the full Subsplash platform, which is quote-based and built for churches ready to consolidate everything
- Standalone giving users get less attention
Starting priceSee website (no public pricing; free to start)
Free planFree to start (trial basis)
EasyTithe is one of the longest-running church giving brands and now sits inside Ministry Brands alongside church management, websites and apps. For a church already in that ecosystem, keeping giving with the same vendor simplifies support and data flow. Text-to-give, mobile and kiosk-style options are all available.
The frustration is opacity: there is no pricing page, so budget planning starts with a demo request. Ministry Brands has also consolidated several giving products over the years, so confirm exactly which product and contract you are being quoted before comparing it against the transparently priced options above.
What we like- Part of Ministry Brands, so it connects with a large church software ecosystem
- Text, mobile and online giving with recurring options
- US-based phone support on weekdays
Watch out for- No published pricing, so you enter a sales conversation to learn the cost
- The product line overlaps with sister Ministry Brands tools, which can confuse buyers
#6
Breeze
Best for: Small churches that want dead-simple member management with giving included
Visit breezechms.com
Starting priceSee website (flat-rate plans; check current pricing)
Free planFree trial (no credit card required, per vendor)
Breeze earned its reputation as the simplest church management system: people database, contributions, events, check-in and giving in one clean interface. Text giving works from the member's phone and gifts land directly on their contribution record, which makes year-end statements painless. The vendor migrates your data for free.
The wrinkle is ownership: Breeze now operates under Tithely, and its site cross-sells the Tithely suite. That is mostly good news (more resources), but confirm which product you are buying. Churches that only need giving, not member management, should compare the free options first.
What we like- Famously easy ChMS that volunteers actually learn
- Free data migration from your old system
- Online and text giving tied directly to member records and contribution statements
Watch out for- Now part of Tithely, so the product roadmap follows the parent company
- Flat-rate pricing can look pricey for very small churches versus free giving-only tools
#7
Aplos
Best for: Churches whose treasurer needs real fund accounting, not just a giving button
Visit aplos.com
Starting priceSee website (quote/trial based)
Free plan15-day free trial (no credit card required)
Aplos belongs on this list for a different reason than the others: most churches pick a giving tool and then struggle to account for the money properly. Aplos starts from the books: designated funds, donor restrictions, bank reconciliation and board-ready financials, with online giving feeding straight into the ledger. If your treasurer dreads month-end, this is the fix.
Be clear-eyed about what it is not: a giving-first platform with the slickest donor experience. Evaluate its text and mobile giving against the specialists above, and confirm processing rates before committing. For churches that already love their giving tool, Aplos can also sit behind it as the accounting layer.
What we like- True fund accounting built for churches and nonprofits, with donation tracking and giving statements in the same system
- Clean audit trail for boards and denominations
- Part of the Velora suite with Keela and Raisely
Watch out for- Giving is a feature of an accounting platform, not the specialty
- Text-to-give availability and rates need confirmation with sales
#8
Donorbox
Best for: Churches that want to launch fast with maximum payment options
Visit donorbox.org
Starting price$0/month (Standard plan); 2.95% platform fee on donations
Free planYes (Standard plan has no monthly or setup fees)
Donorbox is the generalist done well: a church can take its first online gift the same day it signs up, with text-to-give, a lobby kiosk app and event ticketing in the same account. The breadth of payment methods is unmatched on this list, which helps with younger givers and special campaigns like stock gifts.
Read the fee line carefully. The 2.95% platform fee sits on top of standard payment processing, making all-in costs roughly 5 to 6% on card gifts unless you upgrade to Pro or Premium for lower rates. That is fine for getting started and for campaigns, but expensive as a forever home for a church's full giving volume.
What we like- Live in minutes with embeddable forms, hosted pages and text-to-give
- 22-plus payment methods including Apple Pay, Venmo, ACH, crypto and stock
- Donor portal with self-serve recurring management
Watch out for- The 2.95% platform fee applies on top of Stripe/PayPal processing, so the all-in cost per gift is higher than it looks
- Not church-specific, so no member management
#9
RebelGive
Best for: Churches that would rather pay one flat fee than a percentage of every gift
Visit rebelgive.com
Starting price$49/month flat; the church receives 100% of every gift
Free planNo
RebelGive's pitch is simple: stop paying a percentage of every tithe to your software vendor. For $49 a month flat, the church keeps 100% of each gift while donors optionally cover a 2.3% card fee or a flat $0.25 for bank transfers. A church processing $20,000 a month digitally would pay $49 instead of roughly $600 in percentage fees.
The honest question is donor behavior: the savings assume givers accept the fee-cover prompt, which most do, but it is still a psychological step. Very small churches with minimal digital volume may pay more here than on a free platform. Everyone else should run the break-even math; it usually favors RebelGive by a wide margin.
What we like- Fixed pricing means costs never grow with giving volume
- Donors cover processing (2.3% on cards, $0.25 flat on bank transfer), so the church keeps the full gift
- Clean GivingFlow donor experience
Watch out for- The model depends on donors agreeing to cover the fee
- $49 a month is real money for a tiny church with little digital giving
#10
SecureGive
Best for: Churches that want lobby kiosks plus digital giving from one vendor
Visit securegive.com
Starting priceSee website (quote-based plans by campus count)
Free planNo
SecureGive has been doing church giving since 2004, and it shows in the channel breadth: few vendors cover in-person kiosks, text, mobile and non-cash gifts (stock, crypto) in one contract. Their processing model aims for a blended effective rate around 2%, which undercuts the standard 2.9% + $0.30 on volume.
The buying process is old-school: talk to sales, get a quote, sign a plan sized by campus. Budget separately for kiosk hardware if you want the lobby experience. Churches that value a single accountable vendor and in-person giving will find the premium worth it; price-sensitive small churches will not.
What we like- Full channel coverage: online, mobile, text-to-give, kiosks, check scanning and stock/crypto gifts
- "Ministry-Minded Processing" targets an effective processing rate of 2% or less
- 20 years serving churches with hands-on onboarding
Watch out for- No public pricing for the software plans
- Kiosk hardware is a separate purchase starting around $1,199
How the fees actually work: the math that decides your cost
Every platform here makes money one of three ways: a monthly fee, a cut of each transaction, or both. The right choice depends entirely on your digital giving volume.
The percentage model (Tithe.ly, Givelify, Donorbox)
No monthly fee, but every gift loses a slice. At $10,000 a month in card gifts, 2.9% + $0.30 costs roughly $300 to $320 depending on average gift size. This model wins for churches under about $10,000 a month in digital giving, because $300 in fees beats any monthly subscription.
The flat-fee model (RebelGive)
One $49 monthly payment and the church keeps 100%. The break-even against a 2.9% platform sits near $2,000 a month in digital gifts; above $10,000 a month the savings are dramatic. The catch is donor fee-covering, which you should test with your actual congregation.
The bundled/quote model (Pushpay, Subsplash, SecureGive, Breeze, EasyTithe, Aplos)
You pay for a platform, not just giving. Compare the total contract against the percentage model at your volume, and get processing rates in writing. A $119-a-month bundle that replaces three other subscriptions can be the cheapest option on this list, or the most expensive, depending on what you actually use.
Text vs. app vs. kiosk: which channel actually matters
Text-to-give earns its place because it meets impulse generosity: a guest hears the appeal and gives in under a minute without downloading anything. Every platform here offers it, and setup is usually a keyword plus a short code. Promote it from the stage for three to four weeks and measure; most churches see it become 10 to 20% of digital gifts.
The church app matters for members: recurring gifts, giving history and statements in one place. If you already plan to buy a church app, getting giving from the same vendor (Subsplash, Tithe.ly, Pushpay, Breeze) removes a whole integration. Kiosks matter only if your lobby has foot traffic and card-tappers; otherwise skip the hardware and put a QR code on the bulletin.
Frequently asked questions
What is text-to-give and how does it work?
A member texts a keyword (like "GIVE") to your church's number, receives a link, and completes the gift on a mobile page in under a minute. First-time givers enter payment details once; repeat gifts take seconds. Every platform on this list supports it.
How much does text-to-give cost a church?
The text feature itself is usually included free. What you pay is the platform's normal pricing: either $0 a month plus per-transaction fees (around 2.9% + $0.30), a flat monthly fee (RebelGive's $49), or a bundled platform quote. Compare at your actual monthly volume.
Do donors need to create an account to give by text?
Usually not for the first gift; most platforms allow guest giving. An account helps with recurring gifts, giving history and year-end statements, so encourage it without requiring it.
Can donors cover the processing fee so the church gets the full gift?
Yes, on most platforms here (Tithe.ly, Givelify, Subsplash, Donorbox, RebelGive). Donor fee-covering typically recovers 70% or more of processing costs in practice, though your results will vary by congregation.
How fast does the money reach our bank account?
Most platforms deposit within 2 to 5 business days; some offer next-day or same-week options. Ask specifically about the first payout, which often takes longer due to account verification.
Is text-to-give safe and PCI compliant?
The established platforms here are PCI compliant and tokenize card data. Bigger risks are practical: make sure your keyword is not easily mistyped, train ushers to answer questions, and reconcile text gifts against your ChMS weekly at first.
How we chose
We started with the searches church administrators run: text to give for churches, church giving platforms, online giving for churches and church donation software. For each candidate we opened the vendor's own homepage and pricing or FAQ pages, and checked transaction fees, monthly costs, text-giving support and company-size fit against public reviews and church practitioner discussion. Where the vendor publishes no price we wrote "see website" rather than guessing. Aplos is included as the accounting-first option rather than a giving specialist; its text-to-give details should be confirmed with the vendor.
Sources we checked (14)
- https://get.tithe.ly/
- https://pushpay.com/
- https://givelify.com/
- https://givelify.com/pricing/
- https://www.subsplash.com/
- http://www.subsplash.com/pricing
- https://easytithe.com/
- https://breezechms.com/
- https://www.aplos.com/
- https://donorbox.org/
- https://www.rebelgive.com/
- https://help.rebelgive.com/article/327-giving-via-credit-card-vs-bank-account
- https://www.securegive.com/
- https://www.securegive.com/pricing/
Is your product missing or out of date?
We review this list regularly. Vendors can request a listing, send updated pricing or ask about featured placement.
Shihab Mia · Founder, Rankite
Shihab has spent more than a decade helping SaaS and e-commerce brands grow through search. He writes Rankite's software buying guides from pricing pages, documentation and public user reviews. More about Shihab.