Tithe.ly vs Planning Center Giving
By ChurchTechStack · Prices and facts from each vendor's own pages, with sources. Anything we couldn't confirm is left out.
Tithe.ly
Giving: $0/mo; All Access $119/moPlanning Center Giving
Free (≤10 donations/mo) + 2.15% + $0.30 cardsThis is usually a fee question dressed up as a software question. Both let you start without a contract, both handle cards and bank gifts, and both will have you taking gifts online within days. What separates them is what each charges per gift, and whether you already live inside Planning Center.
If your treasurer has ever squinted at a processing statement and wondered where the money went, this page is for you.
At a glance
| Tithe.ly | Planning Center Giving | |
|---|---|---|
| Starting price | Giving: $0/mo; All Access $119/mo | Free (≤10 donations/mo) + 2.15% + $0.30 cards |
| Pricing model | fees + bundle | by donations/mo |
| Who it's for | Small and mid-size churches that want contract-free online giving today, and maybe an all-in-one bundle later. | Any size church that wants low giving fees, especially churches on, or moving to, Planning Center. |
| Pricing source | official pricing page | official pricing page |
Pricing, in plain terms
Tithe.ly
- Free Online Giving: $0/month with no setup fees or contracts.
- U.S. processing: 2.9% + $0.30 per card gift, 1% + $0.30 per ACH gift, 3.5% + $0.30 per AMEX gift.
- Text-to-give on the free plan: $19/month. It's included in All-Access.
- All-Access: $119/month with a 30-day free trial. Data migration and onboarding are included.
- Paying yearly saves about 25% on Church Management + Engagement.
- Deposits arrive weekly by default. Daily deposits need approval and land with a two-day lag.
From Tithely pricing, checked 2026-10-29.
Planning Center Giving
- Processing (U.S.): 2.15% + $0.30 per card gift, and 0% + $0.30 per ACH gift.
- The monthly subscription depends on how many donations you get: free for up to 10 per month, then $15 (75), $32 (200), $69 (500), $115 (1,000), $179 (1,500), and $239 for unlimited.
- No contracts, setup fees or cancellation charges.
- Church plants can apply for 12 months free.
From Planning Center Giving, Planning Center pricing, checked 2026-10-29.
Key features
Tithe.ly
- Five ways to give: Online, the iOS and Android app, text-to-give, kiosk, and staff-recorded cash and check gifts.
- Cover the Fees and QuickGive: Donors can add the processing fee to their gift. Tithely says about 60% do.
- Recurring gifts, pledges and multi-fund giving: Unlimited funds, and donors can split a gift across funds.
- Receipts and year-end statements: Automatic email receipts and tax statements you can email or print.
- Check scanning and QuickBooks Online: Remote deposit for checks, plus a direct QuickBooks Online integration.
- ChMS integrations: Works with Planning Center, Breeze, Rock RMS, CCB, Elvanto, Ministry Platform, Shelby and others.
Planning Center Giving
- Church Center giving: Donors give in seconds, see their history and download statements from the app or the web.
- ACH, Apple Pay, Google Pay and text-to-give: Several ways to give.
- Statements: Send by email or mail, jointly or individually. Donors can also pull their own.
- Reporting: Reports by donor, fund and deposit, with donor communication tools.
- Connected database: Every gift links to the person's record in Planning Center People.
- API: Connect giving data to the rest of your stack.
👍 What each does well
Tithe.ly
Planning Center Giving
- Among the lowest card rates we've found, plus a flat $0.30 on ACH no matter the gift size source
- Rated 4.6/5 on G2: 'works seamlessly… easy for older, tech-averse members' source
- No contracts and no cancellation fees source
- Real-time sync with Planning Center People keeps donor and member records together source
⚠️ Where each falls short
Tithe.ly
- Card fees of 2.9% + $0.30 cost more than Planning Center's 2.15% + $0.30 or Stripe's nonprofit rate source
- ACH costs 1% + $0.30, so a $500 bank gift costs $5.30 here versus $0.30 at Planning Center source
- Reports of missed recurring gifts and tax-statement problems source
- Instability after the 2.0 update. PDF statements broke for one reviewer. source
- Text-to-give costs $19/month extra on the free plan source
Planning Center Giving
- There's a monthly subscription on top of processing, and it climbs with donation count, up to $239/month source
- Duplicate profiles are created when a donor's name or email isn't recognized source
- Costs add up as you add other Planning Center products source
- Few Giving-specific reviews exist yet (0 on Capterra as of Oct 2026) source
Our verdict
On fees alone, Planning Center Giving wins, and it isn't close for bank gifts: a $500 ACH gift costs $0.30 there versus $5.30 at Tithe.ly, and card gifts run 2.15% + $0.30 against 2.9% + $0.30. The catch is the monthly subscription, which is free up to 10 donations a month and then climbs with your donation count, topping out at $239 for unlimited.
Tithe.ly makes more sense for a church that isn't on Planning Center and wants giving, an app and a website from one vendor, or a small congregation that wants to be live this week at $0 a month. If most of your giving comes in as larger bank transfers, run the math before you pick Tithe.ly; that 1% ACH fee is where it gets expensive. Church plants should also know Planning Center lets them apply for 12 months of Giving free.
Read the full reviews: Tithe.ly review · Planning Center Giving review