Biblical Financial Stewardship

Keep 100% of Your Church's Tithes & Offerings

Why should software corporations take a 2% to 4% percentage fee off the offering plate? With SWAPP, your church pays 0% platform fees forever.

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The Annual Difference for an Average Church:

Monthly Digital Giving Volume: $15,000 / mo
Competitor 2.5% Platform Fee Cut: -$4,500 / year
Competitor Software Subscription ($199/mo): -$2,388 / year
SWAPP Flat Software Fee ($49/mo): -$588 / year
NET ANNUAL SAVINGS FOR MINISTRY: +$6,300 / yr

The Reality of Legacy Church Giving Platforms

Most church giving software companies operate on an extraction model: they charge a monthly subscription, plus an additional 2% to 4% deduction on every digital tithe. Over the course of a year, that siphons thousands of dollars away from local outreach, missions, and ministry staff.

Direct Merchant Processing

Donations route directly from givers to your church's bank account via Stripe. Standard wholesale interchange rates apply with zero markups or platform skimming from SWAPP.

Automated Recurring Tithes

Empower congregants to set up weekly, bi-weekly, or monthly recurring gifts through your church's custom mobile app or website giving widget in seconds.

Bank-Grade PCI Security

Every transaction is protected with Level 1 PCI-DSS certified security, end-to-end tokenization, and multi-factor donor verification protocols.

Church Online Giving Software Cost Comparison (2026)

Platform Platform Fee Monthly Software Cost Annual Cost on $15K/mo
SWAPP 0.0% Platform Fee $49 / mo flat $588 / yr
Pushpay 2.5% - 3.0% + per gift $199 - $350 / mo $6,888+ / yr
Subsplash 2.3% - 2.9% fee $149 - $299 / mo $5,928+ / yr
Tithe.ly 2.9% + $0.30 cut $0 - $119 / mo $5,220+ / yr

Frequently Asked Questions About 0% Giving

How can SWAPP offer 0% platform fee giving?

Unlike legacy platforms that take 2.5% to 4% of every donation to boost corporate margins, SWAPP charges a simple, transparent flat fee of $49/month for our entire software suite. We never touch your tithes.

What payment methods do donors have access to?

Donors can give via credit/debit card, ACH direct bank transfer, Apple Pay, Google Pay, and recurring automated giving directly through your church's mobile app or website embed.

How do members receive year-end tax receipts?

All donations are instantly synchronized to each member's profile in the SWAPP CRM. Pastors and finance administrators can generate and email certified annual contribution statements with one click.

Stop Paying Giving Platform Fees

Switch to SWAPP in minutes and keep 100% of your congregation's tithes.

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