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Religion · head to head

Overflow vs Rock RMS

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
Rock RMS logo

Rock RMS

Religion

Comprehensive relationship and resource management system for churches

From
On request
Rated
-
Full reviewWebsite

The short version

  • 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.; Rock RMS non-traditional pricing model based on donations rather than standard software licenses
  • They diverge on capability: Overflow covers Stock donation flow, Rock RMS covers Member Management.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Overflow and Rock RMS actually diverge.

Attributes where Overflow and Rock RMS differ
AttributeOverflowRock RMS
Starting price$50/monthOn request
Pricing modelPer month plus a published fee per asset typequote
PlatformsWeb, iOS, AndroidWeb, Mobile apps, TV apps
FoundedUnknown2008

Identical on both: free tier (No), 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 Rock RMS

  • Member Management
  • Giving & Finances
  • Group Management
  • Event Planning
  • Payment Processing
  • Email Marketing
  • Accounting Software
  • Custom APIs

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 Rock RMS
  • A capital campaign where major donors are more likely to give assets than cashnot Rock RMS
  • A nonprofit that keeps being offered donor-advised fund grants and has no clean way to receive and attribute themnot Rock RMS
  • Adding crypto giving for a younger donor base without holding the asset or managing a walletnot Rock RMS

Rock RMS

  • Churches managing 10M+ people records with integrated giving and event systemsnot Overflow
  • Organisations needing offline-first workflows with eventual replicationnot Overflow
  • Tech-enabled churches seeking customisable digital engagement and mobile appsnot 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.

Rock RMS

  • Non-traditional pricing model based on donations rather than standard software licenses
  • Pricing based on self-reported average weekend attendance with honor system
  • Grant applications required for churches unable to afford donations
  • Cloud hosting fees may apply separately to donation amount

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

Rock RMS

On request

No published plan breakdown. See the Rock RMS 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 Rock RMS if

  • You need member management.
  • You work on Web, Mobile apps, TV apps.
  • You also want giving & finances.
Rock RMS review

Questions people ask

Is Overflow or Rock RMS better?
Neither clearly leads. Overflow starts at $50/month and Rock RMS at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Overflow or Rock RMS?
Overflow starts at $50/month and Rock RMS at On request.
Does Overflow or Rock RMS run on more platforms?
Overflow runs on Web, iOS, Android. Rock RMS runs on Web, Mobile apps, TV apps.
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 Rock RMS is typically brought in for.
What can Overflow do that Rock RMS cannot?
Overflow covers Stock donation flow, Cryptocurrency giving, Donor-advised fund grants, Card and ACH giving. Rock RMS covers Member Management, Giving & Finances, Group Management, Event Planning.

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.

Rock RMS: How much does Rock RMS cost?

Rock operates on a donation model of $4.45 per average weekend attendee per year. Example: 100-person congregation = $445 annual commitment. No contracts, license fees, or hidden costs.

Source
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.

Rock RMS: What if a church cannot afford the donation?

Grant applications are available for churches unable to donate. Rock also offers alternative donation models for non-church nonprofits.

Source
Overflow: Does Overflow replace our church management system?

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

Rock RMS: Does Rock charge for cloud hosting?

Cloud-hosted churches combine the donation with hosting fees into a single monthly payment. Rock Cloud and Cloud 9 partner-hosted options are available with integrated billing.

Source
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.

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