WGC vs. Planning Center Giving
The closest ACH rate on this list — but the subscription climbs with your growth.
| Platform | Card rate | ACH rate | Platform fee |
|---|---|---|---|
WGC | 2.3% + $0.25 (capped) | 25¢ flat | $10/mo |
| Planning Center Giving | 2.15% + $0.30 | $0.30 flat | $0–$239/mo (by donation volume) |
Rates shown are Planning Center Giving's own published starting rates, or figures from recent independent teardowns, as of September 2026 — confirm current numbers directly before switching. See the full 9-platform comparison or WGC's own rates on the pricing page.
Planning Center Giving is one of the few platforms here that also charges a flat ACH fee rather than a percentage — the real difference with WGC shows up in how its subscription price climbs as your organization's donation volume grows.
Where WGC and Planning Center actually differ
A subscription that scales with volume
Planning Center Giving's monthly fee ranges from $0 up to $239/month, tiered by how many donations you process. WGC's $10/month is flat regardless of volume — a growing organization doesn't get a bigger bill just for processing more gifts.
Both charge flat ACH — the cap on cards is where WGC pulls ahead
Planning Center's $0.30 flat ACH fee is close to WGC's 25¢. The bigger gap is on cards: WGC caps card processing at 2.3% + $0.25, which matters more as individual gift sizes grow, while Planning Center charges 2.15% + $0.30 with no stated cap.
One ecosystem vs. a dedicated giving platform
Planning Center Giving is one module inside the broader Planning Center suite (check-ins, services, groups). WGC is purpose-built around giving and payments specifically, with donor management, reporting, and settlements designed around that single job.
When Planning Center might still be the right call
Churches already running the full Planning Center suite — services planning, check-ins, groups — where keeping giving inside the same ecosystem outweighs a few points of difference on fees.
WGC vs. Planning Center, answered
Does Planning Center Giving charge a percentage on ACH like most other platforms?
No — Planning Center Giving charges a flat $0.30 per ACH transfer, one of the few platforms on this list that doesn't charge a percentage on bank transfers. WGC's flat ACH rate is slightly lower, at 25¢.
Why does Planning Center's bill grow as our church grows?
Its subscription is tiered by donation volume — the more donations you process per month, the higher the tier and the higher the monthly fee, up to $239/month at the top end. WGC's $10/month platform fee doesn't change based on how many gifts you process.
Comparing a different platform?
Ready to see what switching from Planning Center actually saves?
Run your current giving numbers through our calculator, or talk to us directly about migrating.
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