Frequently Asked Questions About for Ministries



How much does it cost to work with

Prices include Tools, Gateways, Software Support and Strategy Tips. Processing as indicated. eGiving coaching available (donation based) from eGiving Ministries.

See the tool comparisons page for descriptions of features available.

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Who is is a Christian ministry of increase formed to improve Kingdom funding, especially the para-church, with electronic recurring and online giving interfaces. has morphed into a giver-friendly myriad of web-related giving and tracking tools. We call it all “eGiving.”

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Who are the processors?

Fiserv is’s legacy processor (since 2001) which owns the CheckFree component used by many clients. Checkfree processes the vast majority of America’s electronic checks; Checkfree was purchased by Jonas Fitness in 2013. The Stewardship Technology processor/software is a web service based partner committed to Kingdom growth. Web service processing is the future growth in the giving platform.

As of March 2014, the immense Dasco3 fundraising software is a co-laborer with, helping our growing clients into true integrated software.

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How secure will our electronic income be?

Every required aspect of security is followed in addition to custom security measures implemented. Tools are US developed and tightly held. Processing/software pathways follow PCI-DSS certified compliance, and some are SSAE 16 audited. Funds transfer directly from the giver’s account to the ministry’s account. Relationships between givers and their ministry are direct with no interferences/involvements with Our clients manage the relationships with their partners.

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What products are available for my organization?

Sample giving webpage has created and assembled a variety of tools and strategies to make use of electronic payment pathways such as the following:

  • recurring (automatic) giving
  • online giving (variety of forms)
  • in person paper authorization giving for events and mail
  • appeal concepts and samples
  • conference call training/coaching
  • live support for account help
  • gift tracking

The following are coming soon:

  • linking to management software
  • text giving
  • custom reports
  • CRM features
  • links to outside CRM’s
  • shopping cart
  • email system
  • links to outside systems
  • child sponsorship
  • and a growing list of requested features

View our tool comparison chart.

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Why not just use my bank for electronic processing?

You could in some cases if your needs were minimal and your vision was small (i.e. you can use your bank to accommodate a handful of givers with monthly ACH). But a bank’s main interest is your deposits (average daily balance) on which they loan money (10X) and make their income. So they will sometimes provide some gateway services (which they may not support well) to keep you as a client. These tools will be rudimentary. A bank is not a ministry and does not provide strategy, marketing or leadership nor do they really understand your support needs.

We believe processing should be bank and software independent because, as time goes by, one or both may need to change. Our services and low costs are not available through your bank, because we are customized to non-profit support needs both on and off the web.

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What about Paypal?

PayPal is limited to an online payment solution. Ministries need more than PayPal provides. Givers need a warm and comfortable environment in which to give (e.g. custom giving pages), and your development staff needs all the data it can get. PayPal is cold and commercial (you can liken it to taking your tithe to Bank of America). Funds need to transfer directly to ministry bank accounts. PayPal holds funds.

Ministries need real human support, but PayPal support is largely automated with canned responses. ACH (checking) giving should be inexpensive and preferable, while PayPal charges a percentage of ACH transactions. All giver information needs to be available with the purposes for each gift tracked. Recurring giving is also a critical component today for ministry increase.’s solutions significantly improve online giving over PayPal, in addition to answering backend issues and providing a wider scope of giving and giver information, typically for less cost than working with PayPal.

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Components of tools – Elements to compare:

  • Patient/permanent support for non-web natives
  • Combines ACH (checking) and credit card transactions.
  • Connectivity to any web-based software.
  • Primary focus is the giver’s interface, administration is second.
  • No need for a website to do recurring giving.
  • Cost for value ratio with competition.
  • Customizable reporting.
  • Facebook app for giving button.
  • Donation management and CRM integrated if needed.
  • Almost immediate customer support (see testimonies).
  • Two-day ACH transfers available.
  • Competitive default processor rates.
  • Custom giving page forms client managed.
  • Infinite projects and tracking and annual receipting.
  • Missionary email cc’s to acknowledge givers in a timely manner.
  • Text giving through, not phone company. (additional costs) (2013)
  • Giver accounts. (ST and Connect 2014)
  • Crediting as well as debiting any bank to any bank (for qualified clients).
  • Daily, weekly, monthly, quarterly, annually recurring giving.
  • Salesforce and other CRM links. (2013)
  • iContact/Constant Contact/Outlook (and more) links. (2013)
  • Ministry Sync Event funding link.
  • Ekyros and WayCool software links. (Connect)
  • Google, Yahoo, Hotmail, Facebook, Twitter links. (2013)
  • PCI compliant.
  • PCI vault storage for your credit card info. (added cost)
  • Card swipe for on or offline card payments. (added cost)
  • No client too small or too large.
  • Excellent API for giving for your custom software user interface.

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How does the money move?

  • Day One:
    Depending on time of day, files are received by (either keyed by you or the giver online), immediately encrypted and sent via API to the appropriate processor. Credit/debit card authorization feedback is provided to the giver and for your account records. You also receive gift notification emails (cc’able). The giver is receipted.
  • Day Two:
    ACH (checking) transactions are routed through America’s Christian Credit Union, and credit/debit cards to their respective processors. ACH transactions are sent on to Federal Reserve.
  • Day Three:
    The giver’s bank account is debited for the ministry specified amount. Reporting is created and distributed to your account in by the processor.
  • Day Four:
    Proceeds from the collection (including credit cards) are deposited to your bank account. The processor then debits fees for the draft from your account. This is an average flow. High volume clients can request shorter processing time on a case by case basis.

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What are the costs to use these tools?

For general small ministries (under $500k/year), effective tools would cost $80 for initial set up and $30 monthly (plus transaction fees).

Churches should use our church tools which cost $100 for initial set up and $40 monthly (plus transaction fees).

Fundraising software for large organizations (over $1 million/year; needing CRM/ecommerce/child sponsoring/etc) or rapid growth efforts starts at $2,000-10,000 for initial data conversion and then $299/month and up based on number of names in the CRM.

Transaction costs are normally $0.25 plus interchange + 10 points on credit/debit cards at nonprofit rates. These rates are highly competitive. Last year’s average for all Visa/Mastercards for all clients was 2.45%.

Due to the significantly lower fees, ACH (when a user gives electronically directly through their checking account) is the preferred stewardship giving method whenever possible.

Note: If you are developing a ministry application combining other software or providing a user interface to ministries or related nonprofits and need robust APIs for a boutique giving application, rates are $0-15/monthly per user account plus transaction fees. Developers should contact to discuss their project for appropriate API and associate apps and PCI issues.

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Why recurring giving?

Our experience in the mid-eighties with electronic payments in business is applicable to ministry. Most Americans (approx. 80%) live on monthly budgets. Their effectiveness as stewards is based on monthly faithfulness. As distracting as this culture is, electronic faithfulness is welcome by the giver and mission leaders. We see a 95% retention rate with monthly eGivers over 5 years, which is impossible without Its costs are the least and its impact to planning and mission unquestionably valuable.

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What obstacles will I need to overcome to incorporate EFT into my ministry?

Tools and strategies offers have become so common place today, even demanded by those desiring strongly to fulfill their call to give. Historically, the introduction of these payment methods into the Kingdom was awkward. “Fear of man is a snare,” and we saw quite a bit of that in the early 2000s. But we also saw those who understood the value of these methods to mission and who did stunning things with these tools. Leadership is everything.

Some board members and leaders may not understand that the web is actually much more secure than U.S. Mail. We all know someone who lost mail, and we may have even experienced that ourselves. Yet who has ever heard of a payment gateway on the web compromised? We have not. The coming generations are capable of excellent stewardship, but most ministries cannot accommodate their payment styles comfortably. Any eGiving progress you can make will be a blessing to the mission. It is especially important for leadership to understand their role in successfully communicating giving guidance to givers that will enhance the mission, not limiting their requests by their own fears. Let us help you. Working closely with’s resources will help your organization’s integration into this new century’s giving tools.

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How does a church use this program?

The church tools used to have a progressive introduction of features over a year’s time, depending on the demographics of that Body, leading up to member access to giving accounts. As time brought more of the Body into becoming familiar with similar tools for payments outside the church, we have shortened the introduction to having core members and admin get comfortable using the tools themselves, then introducing the feature on your website in its entirety on one Sunday.

Web/mobile access for single gifts, opening a giver account and establishing recurring giving and providing paper forms for non-webbers who would set up a recurring tithe can all be handled in one day. Appropriate leadership encouragement on a regular basis for church members to participate is key. Younger members (under 45) using their own accounts to give by project, payment method and dates increases giving. Non-account single giving also serves those who are not deeply connected. Encouraging electronic FirstFruit automatic giving helps members be successful, while reducing seasonal slumps in cash flow. It is all quite self-explanatory now which means leaders just need to refer to it regularly. provides plenty of coaching.

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What kinds of ministries would benefit from

Pregnancy centers and inner-city missions, offshore missions, and traveling evangelists can build a solid support base with Radio stations, Christian schools, scout type groups and Royal Rangers, etc., TV ministries and channels, Bible ministries, and global and local charities etc. Really, anybody doing the Lord’s work that needs a support base will be enormously blessed by

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How does the Merchant Account System work?

Credit/Debit card processing is often a new adventure for ministries. This link: explains the system. Your tools are hard-wired to the Merchant Account gateway, and processes your cards at great rates while tracking givers and the purposes of giving automatically.

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How do we start?

When you are ready, click the Getting Started button on our homepage. If you have more questions contact us at 888–780–4483 or email us at

Step One gives us your information for our files; we will send you appropriate apps. Step Two creates the software and processor link and trains you in software usage. Step Three is ongoing development strategy support.

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