Aggregators skip underwriting
Mainstream platforms board you without underwriting the organization, then react later, with a hold, when giving behaves like giving.
Nonprofits & giving
Church Payment Processing for Faith-Based Giving
Recurring tithing, online and text giving, transparent pricing around 2.9%, and reliable funding without surprise freezes. Churches get burned by mainstream platforms that hold funds when giving spikes; we underwrite the organization properly up front, including larger congregations and campaigns, so tithes and donations keep flowing.
- Recurring tithing protected
- Pricing around 2.9%
- No surprise freezes
Answer first
Giving should be the most reliable money your church handles
A church’s income is about as clean as it gets, recurring, voluntary, low-dispute, given by people who want to give. So it’s a particular kind of frustrating when a payment platform freezes that giving. Yet it happens constantly: a congregation runs a building campaign, a large gift or a holiday surge hits the account, an automated risk model on a mainstream platform reads the spike as suspicious, and the funds are held right when the ministry needs them. The giving was never the problem. The processor was.
We handle faith-based giving as what it is: a trustworthy, recurring stream that deserves stable, transparent processing. We underwrite the organization properly up front, including larger congregations and ministries with real volume, so a surge in giving is anticipated rather than alarming, price it transparently, and fund it reliably. Your members give, the money lands, and nobody at the church spends a Monday on the phone trying to get a held deposit released.
Why donations get frozen
It isn’t the giving. It’s platforms that skip underwriting
Holiday & campaign surges
A building campaign or a holiday surge spikes the account, and an automated risk model reads the spike as suspicious.
Large gifts trigger holds
A single large gift can read as anomalous and trigger a sudden, automated hold right when the ministry needs the funds.
Recurring tithes silently lapse
A faithful giver’s card expires or reissues and, without a card updater, the monthly tithe quietly stops.
How it works
Recurring tithing, and giving the way members prefer
Most church giving wants to be recurring, and recurring giving is both more reliable for the ministry and lower-friction for the member. We make it easy to set up weekly, biweekly, or monthly tithing on autopilot, with an automatic card updater that catches expired and reissued cards so a faithful giver’s monthly tithe doesn’t silently lapse.
Beyond recurring online gifts, members give in different ways, an online giving page, text-to-give from the pew, a kiosk in the lobby for one-time gifts, and the account supports those alongside each other. A descriptor your members recognize keeps gifts from being questioned, and letting givers manage their own schedule means fewer support requests for the church office. Faith-based giving isn’t risky the way a high-ticket coaching launch is, it’s a trust-tier category, and we treat it that way.
Rates
We publish the band
| Effective rate | Recurring giving | Settlement | |
|---|---|---|---|
| Faith-based giving | ~2.9% + interchange | Card-updater supported | Daily / next-day |
The rate reflects the low-dispute, trust-tier nature of giving, with the final rate set by underwriting on your giving volume, methods, and profile, and there’s no quote-only sales gauntlet to get there. See full pricing →
How approval works
Underwritten before boarding, not after
1
You apply
Organization details, your giving methods, online, recurring, text and kiosk, and bank information for settlement.
2
We confirm the model
Underwriting reviews your giving profile, including larger congregations and campaigns, so a surge in giving is expected, not alarming.
3
A human decides
An underwriter writes the decision: your rate and any terms disclosed in writing before you start.
4
You go live
We connect recurring tithing, text-to-give and kiosk options on a stable account that won’t freeze when giving spikes.
A written decision
You see exactly where your file stands
No black-box “no.” We underwrite once, properly, including larger congregations and ministries, and then leave your giving alone, with any terms disclosed in writing before you start.
- Onboarding checklist tracked to 100%
- Larger congregations and campaigns underwritten up front
- Rate and any terms in writing before you go live
FAQ
Church payment processing FAQ
What’s the best payment processor for a church?
The best fit for a church is a processor that makes recurring giving easy, prices transparently, funds reliably, and won’t freeze the account when giving spikes around a holiday or a building campaign. Churches need online, recurring, and often text or kiosk giving, plus support from people who’ll actually pick up the phone. GivePayments processes for churches and faith-based organizations with transparent rates and underwriting that keeps your giving from being held.
How do churches accept recurring tithing online?
Set up recurring giving so members can tithe weekly, biweekly, or monthly on autopilot, with a card updater that catches expired cards so gifts don’t silently lapse. Offer online giving pages, text-to-give, and kiosk options so members can give the way they prefer, use a descriptor your members recognize, and let givers manage their own schedule. We provide the recurring tools and the reliable funding that keep tithing flowing.
Will our giving ever get frozen or held?
Not by surprise. The reason churches get burned by mainstream processors is sudden, automated holds when giving spikes or a large gift comes in. We underwrite the organization properly up front, including larger congregations and campaigns, so a surge in giving is expected, not alarming. Compliant faith-based giving runs on a stable account here, with any terms disclosed in writing before you start.
Can large churches and ministries get processing?
Yes. Larger congregations and ministries with significant giving volume get full underwriting, and we frame that as a feature: we underwrite properly so your donations never get frozen. The Stripe and PayPal horror stories, held funds, sudden account limits during a campaign, come from platforms that skip the underwriting and react later. We do it the other way.
How much does church payment processing cost?
Our pricing for churches and faith-based organizations is around 2.9%, with the final rate set by underwriting based on your giving volume, methods, and profile. We publish the range up front and there’s no quote-only sales gauntlet, you see roughly what it costs before you talk to us, and the rate reflects the trust-tier, low-dispute nature of faith-based giving.
Related
Keep exploring
Giving that’s reliable, transparent, and free of surprise freezes.
If you lead a church or faith-based organization and want giving that keeps flowing when it counts, that’s exactly what we offer.