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Religion · head to head

Overflow vs Tithe.ly

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
Tithe.ly logo

Tithe.ly

Religion

Complete giving and church management solution

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Tithe.ly 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.; Tithe.ly card giving carries a 2.9% plus $0.30 fee, so every donation is reduced before it reaches the church
  • They diverge on capability: Overflow covers Stock donation flow, Tithe.ly covers Online Giving.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Overflow and Tithe.ly actually diverge.

Attributes where Overflow and Tithe.ly differ
AttributeOverflowTithe.ly
Starting price$50/monthFree
Pricing modelPer month plus a published fee per asset typesubscription
Free tierNoYes
FoundedUnknown2013

Identical on both: platforms (Web, iOS, Android), 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 Tithe.ly

  • Online Giving
  • Membership Management
  • Attendance Tracking
  • Accounting Software
  • Planning Center
  • PayPal
  • Stripe
  • 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 Tithe.ly
  • A capital campaign where major donors are more likely to give assets than cashnot Tithe.ly
  • A nonprofit that keeps being offered donor-advised fund grants and has no clean way to receive and attribute themnot Tithe.ly
  • Adding crypto giving for a younger donor base without holding the asset or managing a walletnot Tithe.ly

Tithe.ly

  • Church online giving and donation managementnot Overflow
  • Religious organization membership trackingnot Overflow
  • Volunteer management for congregationsnot Overflow
  • Service planning and worship coordinationnot Overflow
  • Church website hosting and custom 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.

Tithe.ly

  • Card giving carries a 2.9% plus $0.30 fee, so every donation is reduced before it reaches the church
  • American Express is charged at 3.5% plus $0.30
  • ACH at 1% plus $0.30 makes small bank transfers proportionally expensive
  • Church management is $72 a month and the mobile app $89, sold separately from the free giving product
  • Bundling everything is $119 a month, so a church wanting app, website and management pays regardless of donation volume

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

Tithe.ly

Free
  • Giving ToolsFree
    • Online giving
    • Mobile giving
    • Text-to-give
  • Church Management$72/month
    • Digital giving solution
    • Membership management
    • Event management
  • All Access$119/month
    • Giving platform
    • Church management
    • Custom apps

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 Tithe.ly if

  • You need online giving.
  • You want to start without paying.
  • You work on Web, IOS, Android.
  • You also want membership management.
Tithe.ly review

Questions people ask

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

Tithe.ly: Does Tithely offer a free giving option?

Yes, Tithely's Giving Tools tier is completely free with no monthly or setup fees. Donations via credit/debit card are charged 2.9% + $0.30, ACH transfers are 1% + $0.30, and American Express is 3.5% + $0.30.

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.

Tithe.ly: What is included in Tithely's All Access plan?

The All Access plan at $119/month includes all products: giving, church management, custom apps, websites, service planning, volunteer management, background checks, kids check-in, and email/text messaging. The price is a flat rate regardless of church growth.

Source
Overflow: Does Overflow replace our church management system?

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

Tithe.ly: Do Tithely's paid plans include a trial period?

Yes, all paid plans include a 30-day free trial. No credit card is required to start with the free giving tier.

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.

Tithe.ly: What are Tithely's individual product prices?

Individual products available separately: Website at $19/month, Mobile Church App at $89/month, and Service Planning/Worship Tools at $29/month. The All Access plan at $119/month bundles all products for significant savings.

Source
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