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Religion · head to head

Overflow vs Vanco

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
Vanco logo

Vanco

Religion

Electronic giving and ACH payment solutions 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.; Vanco gROW tier charges 2.90% plus $0.45 per debit or credit card transaction, and American Express is charged separately at 3.99% on both tiers
  • They diverge on capability: Overflow covers Stock donation flow, Vanco covers ACH Giving.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Overflow and Vanco actually diverge.

Attributes where Overflow and Vanco differ
AttributeOverflowVanco
Starting price$50/monthOn request
Pricing modelPer month plus a published fee per asset typetransaction
PlatformsWeb, iOS, AndroidWeb, Mobile app
FoundedUnknown1990

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 Vanco

  • ACH Giving
  • Credit Card Processing
  • Text-to-Give
  • Church Management Systems
  • Accounting Software
  • Fund Accounting
  • Web support
  • Mobile app 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 Vanco
  • A capital campaign where major donors are more likely to give assets than cashnot Vanco
  • A nonprofit that keeps being offered donor-advised fund grants and has no clean way to receive and attribute themnot Vanco
  • Adding crypto giving for a younger donor base without holding the asset or managing a walletnot Vanco

Vanco

  • Online and mobile giving processing for churches and nonprofitsnot 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.

Vanco

  • GROW tier charges 2.90% plus $0.45 per debit or credit card transaction, and American Express is charged separately at 3.99% on both tiers
  • PCI non-compliance fee of $23.95 per month applies if a merchant does not maintain compliance, and Giving Insights costs an additional $75 per month on top of the base plan

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

Vanco

On request
  • StandardFree
    • Payment processing
    • ACH payments (1.0% + $0.25)
  • Premium$149/month
    • Advanced tools
    • Dedicated support
    • Custom reporting

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 Vanco if

  • You need ach giving.
  • You work on Web, Mobile app.
  • You also want credit card processing.
Vanco review

Questions people ask

Is Overflow or Vanco better?
Neither clearly leads. Overflow starts at $50/month and Vanco at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Overflow or Vanco?
Overflow starts at $50/month and Vanco at On request.
Does Overflow or Vanco run on more platforms?
Overflow runs on Web, iOS, Android. Vanco runs on Web, Mobile app.
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 Vanco is typically brought in for.
What can Overflow do that Vanco cannot?
Overflow covers Stock donation flow, Cryptocurrency giving, Donor-advised fund grants, Card and ACH giving. Vanco covers ACH Giving, Credit Card Processing, Text-to-Give, Church Management Systems.

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.

Vanco: Is there a monthly fee to use Vanco's online giving platform?

No monthly fee is required for the GROW plan, which is free. The THRIVE plan costs $54/month and includes lower transaction fees and additional features.

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.

Vanco: What are the processing fees on Vanco's THRIVE plan?

THRIVE plan charges 2.65% plus $0.39 per transaction for debit/credit cards, and 0.90% plus $0.39 per transaction for ACH transfers.

Source
Overflow: Does Overflow replace our church management system?

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

Vanco: Are there any contracts or cancellation fees with Vanco?

No contracts or cancellation fees apply to either the GROW or THRIVE plans.

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.

Vanco: What happens if a church on the GROW plan doesn't go live within 30 days?

A $10 monthly fee is charged if the organization does not go live within 30 days on the GROW plan.

Source
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