The short answer
Church giving software in 2026 costs most churches $69–$99 per month plus 2.9% + $0.30 in card processing per gift, and often another 1–3% platform fee on top. TithePay was built to collapse that: $69/month with a 1.1% platform fee on Lite, or no monthly fee at all on Core.
How much does church giving software cost?
Most platforms charge two things: a monthly subscription and a percentage of every gift. Tithely runs $99/month plus 2.9% + $0.30 per transaction, and Pushpay is typically priced per quote for larger churches. TithePay Lite is $69/month with a 1.1% platform fee, or TithePay Core with no monthly fee at all and just the 1.1% fee per donation.
What are typical credit card processing fees?
Processing is charged by the payment provider, not the giving platform, and it is roughly the same everywhere: about 2.9% + $0.30 for cards. The real difference between platforms is what they add on top of that, which can range from 0% to 3% or more.
Are there hidden fees to watch for?
Watch for add-on pricing. Many platforms charge extra for text-to-give, donor profiles, premium support, event giving, or a lower fee percentage on higher plans. TithePay includes text-to-give, QR codes, recurring gifts, and donor profiles on every Lite plan with no upsells.
Is a monthly fee or a fee-per-donation better?
If your church gives less than about $6,000 per month, a fee-only plan like TithePay Core costs less. Above that, the flat $69 Lite plan keeps more of each gift. At every level, TithePay's 1.1% platform fee is far below the 2–3% most competitors take.
Does the church pay the fees or the donor?
On TithePay, the donor's gift is charged in full and the fees come out before the deposit reaches the church's bank account. Donors can optionally cover fees at checkout, which many do, and the church keeps more when they choose to.
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Compare TithePay vs Tithely
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