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Religion · head to head

Overflow vs Text In Church

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
Text In Church logo

Text In Church

Religion

SMS-based giving and engagement for churches

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Text In Church 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.; Text In Church text volume is the binding limit: 500 texts per month on Basic, 1,500 on Pro and 2,500 on Premium
  • They diverge on capability: Overflow covers Stock donation flow, Text In Church covers Text Giving.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Overflow and Text In Church actually diverge.

Attributes where Overflow and Text In Church differ
AttributeOverflowText In Church
Starting price$50/monthFree
Pricing modelPer month plus a published fee per asset typesubscription
Free tierNoYes
PlatformsWeb, iOS, AndroidSMS, Web
FoundedUnknown2009

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 Text In Church

  • Text Giving
  • SMS Messaging
  • Keyword-based Giving
  • Real-time Alerts
  • Payment Processing
  • Church Management
  • Analytics
  • Reporting

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

Text In Church

  • Two-way texting with a congregation and automated guest follow-upnot Overflow
  • Digital connect cards and keyword text-in for visitorsnot Overflow
  • Automated reminder and welcome message workflows for church eventsnot 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.

Text In Church

  • Text volume is the binding limit: 500 texts per month on Basic, 1,500 on Pro and 2,500 on Premium
  • Local phone numbers are capped at 1, 2 and 3 across the three plans
  • Monthly billing costs $37, $67 and $97 against $31, $56 and $81 when paid annually, so monthly is roughly 19% more
  • The calling features are a separate Calling Plus add-on at $10 per month per seat
  • Concierge onboarding starts at $249 as a one-off charge purchased at checkout
  • Churches needing more than 2,500 texts a month have no published plan and must contact support

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

Text In Church

Free
  • Basic$31/month
    • 500 texts per month
    • 1 local phone number
    • Unlimited keywords
  • Pro$56/month
    • 1500 texts per month
    • 2 local phone numbers
    • All Basic features
  • Premium$81/month
    • 2500 texts per month
    • 3 local phone numbers
    • All Basic and Pro features

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 Text In Church if

  • You need text giving.
  • You want to start without paying.
  • You work on SMS, Web.
  • You also want sms messaging.
Text In Church review

Questions people ask

Is Overflow or Text In Church better?
Neither clearly leads. Overflow starts at $50/month and Text In Church at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Overflow or Text In Church?
Text In Church has a free tier; the other does not. Paid plans start at $50/month for Overflow and Free for Text In Church.
Does Overflow or Text In Church run on more platforms?
Overflow runs on Web, iOS, Android. Text In Church runs on SMS, Web.
Can I use Text In Church for free?
Yes. Text In Church 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 Text In Church is typically brought in for.
What can Overflow do that Text In Church cannot?
Overflow covers Stock donation flow, Cryptocurrency giving, Donor-advised fund grants, Card and ACH giving. Text In Church covers Text Giving, SMS Messaging, Keyword-based Giving, Real-time Alerts.

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.

Text In Church: How much do you save with annual billing?

Annual billing saves $75 on Basic ($31/month vs $37/month), $136 on Pro ($56/month vs $67/month), and $197 on Premium ($81/month vs $97/month).

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.

Text In Church: Is there a free trial?

Yes, Text In Church offers a free 30-day trial for all plans with no credit card required. They also provide a 30-day money-back guarantee if unsatisfied.

Source
Overflow: Does Overflow replace our church management system?

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

Text In Church: What is the Calling Plus add-on?

Calling Plus ($10/month per seat) adds automated text replies, digital receptionist features, automated greetings, direct extensions, call forwarding, and smart voicemail capabilities.

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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