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In today’s digital world, churches are more eager than ever to expand generosity and provide convenient ways for people to give. Many pastors or church administrators strive to steward their resources wisely and grow generosity. However, they’re unsure how to navigate today’s increasingly digital world, including church online giving, church giving software, church giving platforms, and in-app giving.
Church leaders today want to grow generosity but are frustrated by the hidden costs of giving platforms. That’s because giving platforms too often come with unexpected hidden costs—monthly subscription fees, confusing processing rates, clunky systems that frustrate donors, and limited integrations that end up costing churches more than they give. For many church leaders, this creates a growing tension: How can they maximize church giving and grow online donations without monthly fees?
But there’s good news! With Subsplash, churches can grow online donations, streamline the donor experience, and keep more of every gift—without getting trapped in monthly fees. Let’s explore how churches can break free from unnecessary costs, what to look for in a digital giving solution, and how Subsplash is helping churches maximize online donations without monthly fees.
See how LifePoint saved over $50,000 per year by switching to Subsplash Giving!
Many giving platforms charge fees that eat into ministry budgets. Unfortunately, for many churches, it’s easy to underestimate how much monthly platform fees chip away at your church’s budget.
A small monthly subscription might seem manageable, but those quickly add up over a year—funds that could have supported local outreach, missions, or staff support. Many giving platforms also tack on hidden fees for features churches need, like text-to-give, donor management tools, or security. These hidden fees often go unnoticed until they start stacking up—turning what looked like a flat fee into a financial drain.
Church leaders can quickly become frustrated by unclear fee structures and higher-than-expected costs. These “nickel and dime” charges not only hurt your budget, but they also complicate your ability to steward donations transparently.
The cost of monthly fees on churches goes far beyond the dollar amount—it’s a barrier to generosity, a distraction from mission, and a slow erosion of financial trust. When every donation counts, churches need a giving solution that works for them, not against them—one that keeps resources focused on kingdom impact, not overhead.
At its core, a church’s giving platform should support generosity—not chip away at it! That begins with transparent pricing. Churches need to know exactly what they’re being charged and why. Vague pricing structures, hidden add-ons, and unclear service fees are not only misleading, but they make it difficult to budget and plan for the future. Leaders need to know exactly where their money is going without the stress of hidden or monthly fees.
Just as crucial are low processing fees. A seemingly small difference in processing rates can translate into thousands of dollars lost annually—dollars that could otherwise support ministry efforts, staff, or community outreach. Churches need a platform that helps them keep as much of each gift as possible.
Beyond pricing, churches should look for a seamless donor experience. If giving feels inconvenient or outdated, people are less likely to participate regularly. Mobile-friendly options, fast donations, church tech innovations like Subsplash Tap, and offering multiple ways to give—whether through text, app, or web—are no longer optional; they’re expected.
Additionally, today’s churches require integration with their existing ministry tools. Managing giving separately from apps, websites, media, and groups creates inefficiencies and silos. A unified platform brings everything together in one place, saving time and reducing complexity.
Finally, data ownership and security are non-negotiables. Churches should have full access to donor information and confidence that their data is being handled responsibly. When churches control their own data, they can build stronger relationships with supporters and communicate impact more effectively.
Subsplash Giving was built with one mission in mind: to help churches increase generosity without unnecessary costs. With Subsplash Giving, there are zero monthly fees—no subscriptions and no hidden charges. That means more of every gift goes directly to your ministry, not to a platform provider. Your church keeps more of every donation you receive.
Subsplash also offers the best processing rates in the industry, helping churches maximize every donation. Whether someone gives through your website, mobile app, or by text, you’ll keep more of what your community gives. And with multiple giving methods like text-to-give, Subsplash Tap, and online giving, our mobile-first design with a seamless app and web integration means that donors can easily and conveniently give.
What sets Subsplash apart is its unified platform. Giving doesn’t live in isolation—it’s integrated into your church’s custom-branded app, website, media, events, and group tools. That’s a complete ecosystem designed to reduce complexity and increase engagement.
And because Subsplash prioritizes data ownership, your church stays in control. You can access your donor data, communicate directly, and make decisions based on insights—no gatekeeping, no confusion.
Churches across the country are already seeing the difference. From increased recurring donations to streamlined workflows, Subsplash Giving empowers ministries to focus more on people and less on tech.
Many churches have already experienced this transformation firsthand. For example, New Life Church in Washington was paying for another giving platform, but the app they were using wasn’t increasing trust and motivation for people to give.
As Mitchell Weholt, the Creative & Production Director, explains, “We made the switch [to Subsplash] and it ended up being really, really easy… We saved over $30,000 in the first year having switched from Pushpay to Subsplash. Being able to put that money back into what we’re called to do as a church has been incredible.”
With Subsplash, churches are not only growing generosity but they’re also simplifying their workflows and eliminating thousands of dollars in platform fees. By doing so, they’re able to serve the mission of their church in an even greater capacity!
Competitor comparison: What makes Subsplash different
Although there are other giving platforms to consider, many come with compromises that impact ministry budgets and the donor experience.
For example, while Pushpay offers strong brand recognition, they also come with hefty monthly fees. Tithe.ly offers multiple tools, but charges higher processing rates and extra for text-to-give. Givelify skips the monthly fee but limited integration and donor-centric branding (vs. putting your church’s branding first) are challenges to navigate for churches.
Subsplash, on the other hand, provides a complete, church-first solution. No monthly fees, transparent low processing rates, and a unified ecosystem of digital tools mean your church can keep more of every donation, simplify your workflows, and focus on what matters most—discipling your people and reaching your community. Subsplash was created specifically for churches, which is why we love to be your partner in ministry!
Are you looking to cultivate generosity that lasts? There are many strategies pastors and church leaders can utilize to encourage ongoing generosity!
One of the most effective strategies to encourage generosity is to communicate amazing impact stories regularly. Impact stories go beyond the numbers and touch the heart, inspiring generosity from a place of conviction and inspiration rather than guilt or mere obligation. When donors see how their gifts are changing lives, they feel more connected and inspired to give in a genuine way from the heart.
Another great strategy is to offer multiple giving options. Subsplash makes it easy to support generosity! Subsplash offers many giving options, including Subsplash Tap, text-to-give, guest giving, in-app giving, online giving, and even stock and crypto donations via Engiven integration. This variety ensures that you’re meeting your donors exactly where they are, making it as convenient as possible for them to give to your church.
Recurring donations are another powerful tool. Encouraging donors to set up automatic gifts builds financial consistency and relieves pressure during low-giving seasons. And with Subsplash’s mobile-first, user-friendly interface, setting up a recurring gift is easy and intuitive.
Churches shouldn’t have to lose money to fees to grow giving. In fact, with the right platform, your church can fuel more ministry and greater generosity, simplify administration, and avoid monthly and hidden fees altogether.
Subsplash offers everything churches need to make that vision a reality: zero monthly fees, industry-low processing rates, powerful digital tools, and a seamless experience for both givers and leaders.
Stop losing money to unnecessary fees. Keep more of every donation and grow generosity with Subsplash Giving. [.blog-contact-cta] Schedule a demo today.[.blog-contact-cta]
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