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Religion · head to head

ChurchTrac vs Vanco

ChurchTrac logo

ChurchTrac

Religion

Church management and member tracking software

From
Free
Rated
-
Full reviewWebsite
Vanco logo

Vanco

Religion

Electronic giving and ACH payment solutions for churches

From
On request
Rated
-
Full reviewWebsite

The short version

  • Only ChurchTrac has a free tier, so it costs nothing to try first.
  • Each has a real cost: ChurchTrac priced by how many people are tracked, in bands of 75, 125, 250, 500, 1,000 and unlimited names, so growth pushes a church up a tier; 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: ChurchTrac covers Member Management, Vanco covers ACH Giving.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which ChurchTrac and Vanco actually diverge.

Attributes where ChurchTrac and Vanco differ
AttributeChurchTracVanco
Starting priceFreeOn request
Pricing modelsubscriptiontransaction
Free tierYesNo
PlatformsWeb, Mobile-responsiveWeb, Mobile app
Founded20091990

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 ChurchTrac

  • Member Management
  • Attendance Tracking
  • Visitor Tracking
  • Payroll Systems
  • Payment Processors
  • Data Import/Export
  • Mobile-responsive support

Only in Vanco

  • ACH Giving
  • Credit Card Processing
  • Text-to-Give
  • Church Management Systems
  • Accounting Software
  • Fund Accounting
  • Mobile app support

Both cover

  • Web support

What people use each for

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

ChurchTrac

  • Church membership, giving and event management in one systemnot Vanco
  • Fund accounting and contribution tracking for a congregationnot Vanco

Vanco

  • Online and mobile giving processing for churches and nonprofitsnot ChurchTrac

Where each one falls short

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

ChurchTrac

  • Priced by how many people are tracked, in bands of 75, 125, 250, 500, 1,000 and unlimited names, so growth pushes a church up a tier
  • The published figure is a starting price of $29 a month, with per band prices shown only in an on page calculator
  • Enhanced messaging is a $7 a month add on and includes 250 credits
  • Website and app setup starts at $477 and accounting setup at $399, both one off

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

ChurchTrac

Free
  • Starter (75 people)$29/month
    • Tracks up to 75 people
    • All core features included
  • Growth (250 people)$null/month
    • Tracks up to 250 people
    • All core features included
  • Enterprise (Unlimited people)$null/month
    • Unlimited people tracking
    • All core features included

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 ChurchTrac if

  • You need member management.
  • You want to start without paying.
  • You work on Web, Mobile-responsive.
  • You also want attendance tracking.
ChurchTrac 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 ChurchTrac or Vanco better?
Neither clearly leads. ChurchTrac starts at Free and Vanco at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, ChurchTrac or Vanco?
ChurchTrac has a free tier; the other does not. Paid plans start at Free for ChurchTrac and On request for Vanco.
Does ChurchTrac or Vanco run on more platforms?
ChurchTrac runs on Web, Mobile-responsive. Vanco runs on Web, Mobile app.
Can I use ChurchTrac for free?
Yes. ChurchTrac has a free tier, so you can try it without paying. Vanco starts at On request.
What is ChurchTrac best used for?
ChurchTrac is most often used for church membership, giving and event management in one system, fund accounting and contribution tracking for a congregation. Of those, church membership, giving and event management in one system and fund accounting and contribution tracking for a congregation are not what Vanco is typically brought in for.
What can ChurchTrac do that Vanco cannot?
ChurchTrac covers Member Management, Attendance Tracking, Visitor Tracking, Payroll Systems. Vanco covers ACH Giving, Credit Card Processing, Text-to-Give, Church Management Systems. Both handle Web support.

Answered from the vendors’ own pages

ChurchTrac: How much does ChurchTrac cost?

ChurchTrac starts at $29/month for tracking 75 people and includes people management, fund accounting, giving, website and app, check-in, worship, groups, volunteers, messaging, registrations, and automations. Annual billing offers a 10% discount.

Source
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
ChurchTrac: Is there a free trial for ChurchTrac?

Yes, ChurchTrac offers a 30-day free trial with no credit card required.

Source
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
ChurchTrac: What costs extra in ChurchTrac?

Enhanced Messaging costs $7/month and includes 250 messaging credits monthly for two-way texting and voice. Website and App Build service starts at $477. Accounting Setup service starts at $399.

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

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

Source
ChurchTrac: How are ChurchTrac pricing tiers organized?

Pricing tiers are based on the number of people tracked: 75, 125, 250, 500, 1,000, or Unlimited. An interactive calculator on the pricing page shows exact costs for each tier.

Source
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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