Softwr

Religion · head to head

Overflow vs Planning Center

Overflow logo

Overflow

Religion

Stock, crypto and donor-advised fund giving for churches and nonprofits, priced per gift type

From
$50/month
Rated
-
Full reviewWebsite
Planning Center logo

Planning Center

Religion

Complete church management platform for services, volunteers, and giving

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Planning Center has a free tier, so it costs nothing to try first.
  • Each has a real cost: Overflow crypto carries a 3 percent fee on top of the base rate, which makes it the most expensive channel on the platform at exactly the point where donors expect it to be cheap.; Planning Center free tier limited to 5 team members and 10 daily check-ins per product
  • They diverge on capability: Overflow covers Stock donation flow, Planning Center covers Service Planning.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Overflow and Planning Center actually diverge.

Attributes where Overflow and Planning Center differ
AttributeOverflowPlanning Center
Starting price$50/monthFree
Pricing modelPer month plus a published fee per asset typefreemium
Free tierNoYes
PlatformsWeb, iOS, AndroidWeb, Mobile (Church Center app)
FoundedUnknown2003

Identical on both: user rating (Not yet rated), category (Religion).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Overflow

  • Stock donation flow
  • Cryptocurrency giving
  • Donor-advised fund grants
  • Card and ACH giving
  • RoundUps
  • Tax receipting

Only in Planning Center

  • Service Planning
  • Volunteer Management
  • Check-in System
  • Accounting Software
  • PayPal
  • Stripe
  • Pushpay
  • Web support

What people use each for

The jobs each tool is most often brought in to do.

Overflow

  • A church wanting to accept appreciated stock without the finance team processing each transfer by handnot Planning Center
  • A capital campaign where major donors are more likely to give assets than cashnot Planning Center
  • A nonprofit that keeps being offered donor-advised fund grants and has no clean way to receive and attribute themnot Planning Center
  • Adding crypto giving for a younger donor base without holding the asset or managing a walletnot Planning Center

Planning Center

  • Integrated church management and schedulingnot Overflow
  • Volunteer coordination and event managementnot Overflow
  • Worship service planning and schedulingnot Overflow
  • Online giving and donation trackingnot Overflow

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Overflow

  • Crypto carries a 3 percent fee on top of the base rate, which makes it the most expensive channel on the platform at exactly the point where donors expect it to be cheap.
  • Card processing at 2.75 percent plus 30 cents on the entry plan is above what a church can get from a dedicated church giving processor, so using Overflow for routine weekly giving costs more than it should.
  • It is a giving channel, not a church management system, so contributions must be reconciled into your existing ChMS and finance software, adding a second monthly close step.
  • Stock and DAF fees are quoted as a 1 to 3 percent range with the actual rate depending on transfer route, so an organisation cannot forecast net proceeds precisely before the gift settles.
  • Non-cash gifts settle over days rather than instantly, and the amount received depends on the price at liquidation, so the receipted value and the cash landed will not match.

Planning Center

  • Free tier limited to 5 team members and 10 daily check-ins per product
  • Pricing model requires customers to pay per product used; total cost scales with adoption
  • No monthly minimums but multiple product subscriptions can accumulate

Pricing, plan by plan

Overflow

$50/month
  • Foundation$50/month
    • All giving methods including stock, crypto and DAF
    • Cards from 2.75 percent plus 0.30 USD
    • ACH at 0.50 percent plus 0.20 USD
  • Growth$undefined/month
    • Reduced processing rates by volume
    • Dedicated onboarding and account management
    • Token vaulting for recurring donors
  • Enterprise$undefined/month
    • Custom rate structure for multi-site organisations
    • Strategic support
    • Custom pricing

Planning Center

Free

No published plan breakdown. See the Planning Center review.

Which should you pick?

Choose Overflow if

  • You need stock donation flow.
  • You work on Web, iOS, Android.
  • You also want cryptocurrency giving.
Overflow review

Choose Planning Center if

  • You need service planning.
  • You want to start without paying.
  • You work on Web, Mobile (Church Center app).
  • You also want volunteer management.
Planning Center review

Questions people ask

Is Overflow or Planning Center better?
Neither clearly leads. Overflow starts at $50/month and Planning Center at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Overflow or Planning Center?
Planning Center has a free tier; the other does not. Paid plans start at $50/month for Overflow and Free for Planning Center.
Does Overflow or Planning Center run on more platforms?
Overflow runs on Web, iOS, Android. Planning Center runs on Web, Mobile (Church Center app).
Can I use Planning Center for free?
Yes. Planning Center has a free tier, so you can try it without paying. Overflow starts at $50/month.
What is Overflow best used for?
Overflow is most often used for a church wanting to accept appreciated stock without the finance team processing each transfer by hand, a capital campaign where major donors are more likely to give assets than cash, a nonprofit that keeps being offered donor-advised fund grants and has no clean way to receive and attribute them, adding crypto giving for a younger donor base without holding the asset or managing a wallet. Of those, a church wanting to accept appreciated stock without the finance team processing each transfer by hand and a capital campaign where major donors are more likely to give assets than cash are not what Planning Center is typically brought in for.
What can Overflow do that Planning Center cannot?
Overflow covers Stock donation flow, Cryptocurrency giving, Donor-advised fund grants, Card and ACH giving. Planning Center covers Service Planning, Volunteer Management, Check-in System, Accounting Software.

Answered from the vendors’ own pages

Overflow: What does Overflow cost?

Foundation is 50 USD a month. Cards start at 2.75 percent plus 0.30, ACH at 0.50 percent plus 0.20, stock and DAF at 1 to 3 percent, and crypto adds 3 percent.

Overflow: Why give stock instead of cash?

Transferring appreciated shares avoids the capital gains tax the donor would pay on selling first, so the same after-tax cost produces a larger gift.

Overflow: Does Overflow replace our church management system?

No. It handles giving only and integrates with your existing ChMS.

Overflow: Do we hold the cryptocurrency?

No. Crypto gifts are liquidated and remitted as cash, so the organisation does not carry price risk after settlement.

Share

Related pages

More on Overflow

More on Planning Center

Keep looking

Other head to heads