WGC vs. Tithe.ly
Where the ACH savings and the real platform cost actually show up.
| Platform | Card rate | ACH rate | Platform fee |
|---|---|---|---|
WGC | 2.3% + $0.25 (capped) | 25¢ flat | $10/mo |
| Tithe.ly | 2.9% + $0.30 (2.5% + $0.25 on Pro) | ~1% | $0–$119/mo |
Rates shown are Tithe.ly'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.
Tithe.ly is often the first platform a small church tries — the free tier is easy to start on. The catch is what "free" actually includes, and what happens to ACH fees once giving grows past a handful of transactions a week.
Where WGC and Tithe.ly actually differ
Flat ACH vs. a percentage that scales with the gift
WGC charges a flat 25¢ per ACH transfer, full stop. Tithe.ly charges roughly 1%. On a single $1,000 bank-transfer tithe, that's 25¢ with WGC versus about $10 with Tithe.ly — and the gap only widens as the gift gets bigger.
What "free" doesn't include
Tithe.ly's free tier is a hosted giving form only. Recurring giving emails, dashboards, reporting, donor profiles, and the mobile app all require the Pro plan at roughly $119/month. WGC's $10/month includes all of that — donor management, reporting, settlements, refunds, statements, and team accounts — from the first gift.
A capped card rate
WGC caps card processing at 2.3% + $0.25. Tithe.ly's base rate is 2.9% + $0.30 (2.5% + $0.25 once you're on Pro) — so even the discounted Tithe.ly rate sits above WGC's cap.
When Tithe.ly might still be the right call
If your church is already deep into Tithe.ly's broader church-management suite — check-ins, groups, the shared Tithe.ly app — and years of donor history live there, the switching effort may outweigh the fee savings in the short term. Our migration guide walks through what actually moves and what doesn't.
WGC vs. Tithe.ly, answered
Is WGC actually cheaper than Tithe.ly?
On ACH-heavy giving, yes, clearly — a flat 25¢ beats a ~1% fee on anything over a few dollars. On cards, WGC's 2.3% + $0.25 cap is below Tithe.ly's 2.9% + $0.30 base rate and roughly in line with Tithe.ly's discounted Pro rate. The platform fee is also simpler: one flat $10/month with everything included, versus Tithe.ly's free-tier-plus-$119-Pro-tier structure.
Does WGC have a free tier like Tithe.ly?
No — WGC is a flat $10/month from day one, but that one tier includes the full dashboard: donor profiles, recurring giving, reporting, settlements, refunds, statements, and team accounts. There's no stripped-down free version that later requires an upgrade to get basic features.
Comparing a different platform?
Ready to see what switching from Tithe.ly actually saves?
Run your current giving numbers through our calculator, or talk to us directly about migrating.
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