WGC vs. Vanco Faith
ACH still carries a percentage on top of a flat fee — plus compliance fees to watch for.
| Platform | Card rate | ACH rate | Platform fee |
|---|---|---|---|
WGC | 2.3% + $0.25 (capped) | 25¢ flat | $10/mo |
| Vanco Faith | 2.9% + $0.45 (2.65% + $0.39 on Thrive) | 1% + $0.45 (0.9% + $0.39 on Thrive) | $0–$54/mo |
Rates shown are Vanco Faith'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.
Vanco is a longtime player across churches, schools, and other organizations' payment needs. Its ACH pricing still carries a percentage on top of a flat per-transaction fee, and a few additional fees are worth knowing about up front.
Where WGC and Vanco actually differ
ACH isn't actually flat-rate
Vanco charges 1% + $0.45 on its Grow plan (0.9% + $0.39 on Thrive) for ACH transfers — a percentage stacked on top of a flat fee. WGC charges a flat 25¢ with nothing added, regardless of the gift size.
Watch for onboarding and compliance fees
Vanco can add a $10/month fee if onboarding steps (like a Giving Specialist meeting) aren't completed within set windows, plus a separate $23.95/month fee for organizations that aren't PCI compliant. WGC includes PCI Level 1 compliance as part of the platform.
A higher flat fee on every card transaction
Vanco's card rate includes a $0.45 flat fee per transaction on its Grow plan — noticeably higher than WGC's $0.25 flat fee, which adds up quickly on smaller, frequent gifts.
When Vanco might still be the right call
Organizations already using Vanco for other payment needs — school activity fees, event registration — where consolidating onto one vendor across several use cases outweighs a few points of difference in giving-specific fees.
WGC vs. Vanco, answered
Does Vanco charge a flat rate on ACH like WGC?
No — Vanco charges a percentage (1% on its Grow plan, 0.9% on Thrive) plus a flat fee on every ACH transfer. WGC charges a flat 25¢ with no percentage component at all.
What other fees should I know about with Vanco?
Vanco can charge a $10/month fee if onboarding isn't completed within its set timeline, plus a separate $23.95/month fee for organizations not PCI compliant. WGC's $10/month platform fee includes PCI Level 1 compliance with no separate compliance surcharge.
Comparing a different platform?
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