Five honest answers,
before you apply.

Our tiered pricing is built for 501(c)(3) churches and Christian nonprofits. The entry tier runs 2.20% + $0.08 per card-present transaction and 2.50% + $0.20 per card-not-present transaction, with no monthly platform fee. Higher-volume tiers drop the rate further in exchange for a small monthly platform fee — most churches land between Square and Stripe on rate while paying no monthly fee on the entry tier. See the full breakdown and side-by-side comparisons with Square, Stripe, and PayPal on the /pricing page.

We split our net profit (revenue minus processing costs, network fees, and operating expenses) — 50% goes to three vetted Christian charities: Compassion International, Convoy of Hope, and International Justice Mission (all 4-star Charity Navigator). The remaining 50% keeps the company operating. To be honest: until our network of merchants generates enough volume to cover our own costs, our donations to those partners may be $0 in a given month. Once we hit that threshold, every dollar beyond it flows to the three partners. See live totals and the full methodology at /impact.

Most merchants are processing within five business days. The flow: submit your application at /apply (about 5 minutes); our team reviews it within 1–2 business days; once approved, we generate a Stripe-hosted onboarding link that handles your KYC, business verification, and bank account setup; after that step, charges and payouts flip on automatically. Once approved, you can track every step of activation in your /merchant/dashboard — that link is token-gated and arrives in your approval email, so prospects visiting it before approval will see a 404 rather than the dashboard.

If your ChMS accepts Stripe as a payment gateway connector, it works with us — that covers Planning Center Giving, Breeze ChMS, Subsplash, and most modern systems. We also publish a Tithe.ly migration walkthrough at /blog/christian-nonprofit-payment-processing-tithely-alternatives. Pushpay is on our migration roadmap — current Pushpay-native users get a guided migration (data export, donor history, recurring gift mapping), not a drop-in replacement. See the full ChMS compatibility section and the recommended setup at /for-churches.

Full and partial refunds are issued from your merchant dashboard and reverse on the customer's statement within 3–5 business days. Charity routing is reversed alongside the refund — if a gift is returned, the corresponding contribution to Compassion, Convoy, and IJM is reversed so the totals stay honest. Chargebacks notify you immediately, we walk you through the response (your giving records stand as evidence for anything from a single disputed gift to a fraud claim), and the disputed charge stays pending until the issuer rules. Read the full refund/chargeback mechanics and the reversed-charity flow at /impact#refunds.