Tithe.lyB72
Payment Processor · Small and mid-size US churches and ministries that want free, quick-to-launch digital giving, and churches …
Overview
Tithe.ly is a sound choice for a church that wants online, app, text and kiosk giving running this week at a published price, with no monthly fee and no contract. Card rates of 2.9% + $0.30 are standard rather than cheap, but the fee-cover option and a 1% ACH rate let a church cut its effective cost well below that. The software around giving is broad and genuinely well liked by the administrators who use it. We hold the grade at B because the published card rate carries no volume or nonprofit discount, a church's first gift takes ten business days to deposit and ACH gifts can take up to ten business days to clear, the terms let Tithe.ly hold or delay deposits to guard against chargebacks and fraud, and the BBB file and recent reviews show real friction over subscription billing and cancellation.
Best for: Small and mid-size US churches and ministries that want free, quick-to-launch digital giving, and churches that would also use a church management system, app or website from the same vendor.
Strengths
- + Giving is genuinely free to run: no monthly fee, setup fee or contract, and published per-gift rates
- + Cover the Fees lets donors pay the processing cost; Tithe.ly says about 60% do
- + ACH gifts cost 1% + $0.30, far less than a card gift of the same size
- + Broad giving toolkit: app, text, kiosk, tap discs, pledges, check scanning and year-end statements
- + Church management, app, website and messaging available from the same vendor, or all of them for a flat $119 a month
- + Strong user ratings: 4.7 from 693 reviews on Capterra and 4.1 from 1,170 on Trustpilot, as of September 2026
Trade-offs
- – Card rates of 2.9% + $0.30 are standard list price, with no published volume or nonprofit discount
- – A new church's first gift takes ten business days to deposit, and ACH gifts can take up to ten business days to clear
- – The terms let Tithe.ly hold, delay or suspend deposits to guard against chargebacks, fraud or unmet verification requests
- – BBB rating of F, with two of three complaints in the past three years left unanswered
- – Annual subscriptions are not refunded on cancellation, and recent complaints describe being billed after cancelling
- – The $0.30 fixed fee makes small gifts expensive: a $10 ACH gift costs 4%
Fees in detail
- Online rate: 2.9% + $0.30 cards; 1% + $0.30 ACH
- Contract: No contract for giving
Standard published rate for a domestic online card payment. Confirm current pricing on Tithe.ly's pricing page.
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