Best Church Merchant Accounts

Here is the illustration of a traditional church set in a peaceful rural landscape.

Churches and Congregations Can Greatly Benefit from the Right Payment Processor

Is your church considering accepting credit card payments for tithes and donations? Taking plastic during or after a service may seem unconventional, but the security and convenience of credit cards can actually be very attractive to churchgoers. Credit cards reduce the annoyance of having to carry checks or cash to church events, and they also can be paid off at a later date, allowing congregants to contribute whenever they feel moved to do so. Recurring bank transfers can also be a simple, secure way to accept donations without the hassle of making on-site payments. By enabling your congregation to discreetly donate either online or at church functions, you can make their lives easier and add more sources of revenue for your church.

That's why we've put together the following list of the top merchant account providers for churches. These payment processors can help you find a low-cost, convenient, secure way to accept credit cards and ACH transfers from your congregation. They've all received overwhelmingly positive reviews on this website and from third-party reviewers, and they have extensive experience working with the non-profit sector. In order to secure the lowest rates and the right payment system for your church, it's recommended that you contact multiple providers on this list to compare features and pricing.

How to Select the Best Church Credit Card Processor

As a Church business owner, selecting the best credit card processor can be a daunting task. Here are some factors to consider when selecting a credit card processor for your Church business.

Credit Card Processing Fees

Processing fees can vary widely among credit card processors. Some processors charge a flat fee, while others charge a percentage of the transaction amount. Churches typically have a high volume of small transactions, so it's important to find a processor that offers competitive rates for small transactions.

Compatibility with Church Management Software

Many Church management software systems have built-in payment processing, so it's important to find a credit card processor that is compatible with your Church's software. This can help streamline your financial management process and reduce the likelihood of errors.

Donation Tracking and Reporting

As a Church business, it's important to track and report donations accurately. Look for a credit card processor that provides detailed reporting, so you can easily reconcile your donations and ensure compliance with IRS regulations.


Protecting your Church's financial data is critical. Look for a credit card processor that offers industry-standard security features such as encryption, tokenization, and fraud prevention tools.

Reliable Customer Support

It's important to select a credit card processor that offers excellent customer support, especially if you have limited experience with payment processing. Look for a processor that offers support via phone, email, and chat, and has a reputation for responsive and helpful customer service.

Acceptance of Different Payment Types

Your Church business may receive payments through various channels, such as online giving, in-person donations, and recurring donations. Look for a credit card processor that accepts all types of payment methods, including credit cards, debit cards, ACH payments, and mobile payments.

Reputation and Credibility

Research the credit card processor's reputation and credibility before signing up. Look for reviews from other Church businesses, and check the processor's rating with the Better Business Bureau. You can consider our review on this website, by simply searching for the processor in the search bar at the top of this page.

Overall, selecting the best credit card processor for your Church business involves balancing affordability, security, convenience, and reliability. It's important to evaluate multiple processors and consider the unique needs of your Church business to make an informed decision.

Top Picks for Merchant Services for Churches

helcim logo

#1 Helcim

Top Rated Merchant Service for Churches

Helcim is a merchant account provider headquartered in Alberta, Canada, and Seattle, Washington. The company provides merchant services and credit card processing to both U.S. and Canadian businesses. Helcim offers traditional payment processing equipment as well as a feature suite called “Helcim Commerce,” which is intended to serve as an all-in-one business management solution for merchants across all of their sales channels.

Helcim: The Ideal Credit Card Processing Service for Church Owners

As a Church owner, accepting credit card payments for donations and services can be a challenging task. That's why Helcim is an excellent option for church owners who need a reliable and secure payment processing service. Helcim provides a user-friendly platform that allows church owners to accept credit card payments with ease, making it an ideal solution for those looking to streamline their payment processes.

Secure Transactions

Security is essential when it comes to payment processing, and Helcim understands this. With Helcim, church owners can rest easy knowing that their customers' payment information is safe and secure. Helcim offers end-to-end encryption and PCI compliance, ensuring that every transaction is processed securely.

Affordable Rates

Church owners are always looking for cost-effective payment processing solutions. Helcim offers competitive pricing with no hidden fees, making it an affordable option for churches of all sizes. With Helcim, church owners can save money on payment processing fees and redirect those savings towards other essential aspects of their organization.

Excellent Customer Support

Helcim provides exceptional customer support to its clients. Church owners can reach out to the Helcim team via email, phone, or chat, and their support team will be available to answer any questions or concerns. With Helcim, church owners can rest assured that they have a reliable partner to assist them every step of the way.

Helcim is an ideal payment processing service for church owners looking to accept credit card payments. With its secure transactions, affordable rates, and excellent customer support, Helcim provides an all-in-one solution that can help streamline payment processing for churches.

Host Merchant Services logo

Host Merchant Services

Top Rated Credit Card Processor for Churces

Host Merchant Services is a Newark, Delaware-based merchant account provider that is well-suited for organizations like churches and non-profits. The company's products and services include point-of-sale solutions, online marketing tools, an online payment gateway and virtual terminal, recurring billing, and mobile credit card processing. Host Merchant Services specializes in e-commerce businesses and provides a free website and email address to organizations like churches that are interested in online fundraising efforts.

Host Merchant Services has received only positive feedback on public forums, with most reviewers singling out the company's customer service for praise. Host offers interchange-plus pricing with no early termination fees to all of its merchants, meaning that users will enjoy the most transparent pricing model and can cancel service without penalty. The BBB gives Host an “A+” rating, and CPO also gives the company an “A+.”

Why Host Merchant Services is the Best Option for Churches Looking for Credit Card Processing Services

Host Merchant Services (HMS) is a popular choice for small businesses looking to accept credit card payments, and it's an even better option for churches.

Tailored Solutions for Churches

HMS understands that churches have unique payment processing needs, and offers tailored solutions to meet them. For example, HMS offers a feature that allows churches to easily set up recurring donations, a critical feature for regular tithes and offerings.

Competitive Rates

For small businesses, every penny counts. HMS offers competitive rates for credit card processing, which is especially important for churches who rely heavily on donations. With lower processing fees, churches can keep more of the money they receive, allowing them to allocate more resources towards their ministries and charitable efforts.

Exceptional Customer Service

Churches are often run by volunteers who may not have extensive experience with credit card processing. That's why HMS offers exceptional customer service to help churches navigate any issues that may arise. Their customer support team is available 24/7 to answer questions and provide guidance, ensuring that churches can focus on their mission rather than worrying about payment processing.

Host Merchant Services is an excellent option for churches looking to accept credit card payments. Their tailored solutions, competitive rates, and exceptional customer service make them an ideal choice for any church looking to streamline their payment processing and focus on their ministry.

For more information, visit the Host Merchant Services website or call (888) 727-4538.

PaymentCloud Logo


Top Pic for Church Merchant Accounts

Based in Woodland Hills, California, PaymentCloud is a merchant account provider that specializes in serving standard to high-risk business types. The company's products and services include point-of-sale solutions, mobile phone swipers, an online payment gateway and virtual terminal, EMV-compatible terminals, and merchant cash advances. These features allow churches to accept payments at functions held off-site, on-going fundraising efforts online, or to accept donations from members following services. Furthermore, PaymentCloud specializes in serving non-profit organizations with donor management and fundraising tools. For those reasons, PaymentCloud is a good option for churches.

PaymentCloud provides a dedicated account rep to all new merchants for the life of the account. The company has not received any negative complaints on consumer forums, and it customizes its pricing according to each merchant's business type and processing history. The BBB does not maintain a profile for PaymentCloud at this time, but CPO gives the company an “A.”

PaymentCloud: A Top Credit Card Processing Solution for Churches

Churches and other religious institutions are an essential part of any community, providing spiritual guidance and support to individuals and families. However, managing finances for a church can be a daunting task, especially when it comes to accepting credit card payments from members and donors. That's where PaymentCloud comes in as a top-notch credit card processing solution that caters specifically to the unique needs of churches.

Reliable Payment Processing for Church Donations

PaymentCloud provides a reliable and secure payment processing solution for churches that need to accept donations from their members. With PaymentCloud, church administrators can easily accept donations through credit cards, debit cards, and other forms of electronic payments. The platform's advanced security features ensure that all transactions are processed securely, protecting sensitive financial information from unauthorized access.

Efficient Payment Processing for Church Events

Churches often hold events such as fundraising galas, charity auctions, and other events where they need to accept payments from attendees. PaymentCloud offers efficient payment processing services that enable churches to collect payments from attendees quickly and easily. The platform also supports recurring billing for events that require monthly or yearly payments, such as subscription services.

Flexible Payment Processing for Church Merchandise

Many churches sell merchandise such as books, DVDs, and other items to their members and supporters. PaymentCloud provides a flexible payment processing solution that allows churches to accept payments for merchandise sold through their online store or physical location. The platform supports various payment methods, including credit cards, debit cards, and mobile payments, making it easier for customers to make purchases.

PaymentCloud is an excellent credit card processing solution for churches that need to accept payments from members, attendees, and customers. With advanced security features, efficient payment processing, and flexible payment options, PaymentCloud provides everything that churches need to manage their finances effectively. So, if you are a church administrator looking for a reliable payment processing solution, PaymentCloud is the perfect choice.

For more information, visit the PaymentCloud website or call (888) 506-7859.

cdg commerce logo

CDG Commerce

Top Rated for Church Merchant Services

Privately owned and operated since 1998, CDG Commerce is a Chesapeake, Virginia-based merchant account provider that offers online, mobile, and in-person payment solutions for churches. In addition to traditional and mobile POS equipment, CDG Commerce supplies a virtual terminal and online payment gateway with recurring billing, payment tokenization, on-site payment options, third-party compatibility, and ACH processing.

CDG Commerce provides fixed, low rates to all non-profit organizations and offers a month-to-month agreement with no early termination fees. The company has received mostly glowing reviews in its nearly two decades of service. Our review of CDG Commerce gives the company an “A+,” and the BBB also gives CDG an “A+” rating.

CDG Commerce: A Top Credit Card Processing Solution for Churches

CDG Commerce is an excellent choice for business owners who sell Church services and need to accept credit card payments from customers. The company provides customized payment solutions for small businesses, and their Church payment processing services are tailored to meet the unique needs of religious organizations.

Transparent and Affordable Pricing

One of the standout features of CDG Commerce is their commitment to providing transparent and affordable pricing. With their interchange-plus pricing model, business owners can be sure that they are getting the best rates possible for their Church payment processing needs. CDG Commerce also offers a variety of payment processing tools, including mobile payment processing and virtual terminals, which can help businesses streamline their payment processing and improve their cash flow.

Exceptional Customer Service

In addition to their excellent payment processing solutions, CDG Commerce also provides exceptional customer service. Their team of experienced payment processing professionals is available to answer any questions or concerns that business owners may have about their Church payment processing services. This level of support can be especially valuable for small businesses that may not have dedicated IT or financial resources.

CDG Commerce is an ideal choice for business owners who sell Church services and need to accept credit card payments from customers. Their customized payment solutions, transparent pricing, and exceptional customer service make them a top contender in the credit card processing industry. By partnering with CDG Commerce, business owners can focus on growing their business and serving their customers, while leaving the payment processing to the experts.

For more information, see the CDG Commerce Website or call (888) 393-1079.

Additional Options

Shopify Logo


Shopify is primarily known as an e-commerce platform for online merchants, but the company also offers a point-of-sale software solution for iPad and iPhone. The Shopify POS app can accept cards via a headphone jack card swiper, or a $129 EMV reader and includes features like inventory syncing with a web store, emailed receipts, automatic tax calculations, basic email marketing, and in-store refunds. These online payment options and the familiarity of the Shopify brand are great for church-goers who will feel safe and comfortable using the service.

The Shopify payment service can also be paired with a Shopify online store, which comes with numerous customization options. Shopify POS is a great fit for churches who would like to accept payments on-site using their phones as well as through online billing. Shopify has an “A+” rating with the BBB, and we give it an “A+” rating as well.

Why Shopify is a Great Choice for Church Payment Processing

When it comes to credit card processing services for small businesses that sell Church-related products or services, Shopify is an excellent option. Here are a few reasons why:

Seamless Integration with Church-Focused Apps and Services

Shopify's platform seamlessly integrates with a variety of Church-focused apps and services, including accounting and inventory management tools. This means that Church owners can manage their operations with ease, all while accepting credit card payments from their customers.

Secure Payment Processing

With Shopify, Church owners can rest assured that their customers' credit card information is safe and secure. The platform uses industry-leading security measures, such as tokenization and PCI compliance, to protect sensitive data from theft or fraud.

Flexible Payment Options

Shopify allows Church owners to offer their customers a variety of payment options, including credit cards, debit cards, and even PayPal. This means that Church owners can cater to the needs of their customers and increase their sales in the process.

Competitive Rates

Shopify offers competitive rates for credit card processing services, making it an affordable option for small businesses that sell Church-related products or services. With transparent pricing and no hidden fees, Church owners can easily manage their expenses and focus on growing their business.

Shopify is an excellent choice for small businesses that sell Church-related products or services and need to accept credit card payments. With seamless integration, secure payment processing, flexible payment options, and competitive rates, Church owners can manage their operations with ease while providing their customers with a seamless payment experience.

For more information, visit the Shopify website or call (888) 746-7439.

Frequently Asked Questions: Church Merchant Accounts Credit Card Processing

What are church merchant accounts?

Church merchant accounts are financial services that enable churches and other religious organizations to accept credit card and electronic payments from their members and donors. These accounts facilitate secure and convenient payment processing for tithes, offerings, event fees, and other church-related transactions.

Why do churches need specific merchant accounts?

Churches have unique payment processing needs, including handling donations, event registrations, and recurring contributions. Specific merchant accounts designed for churches cater to these requirements and offer solutions tailored to the needs of religious organizations.

 How can I find the best merchant account for my church?

To find the best merchant account for your church, consider the following steps:

a. **Research Church-Focused Processors:** Look for payment processors that specialize in serving churches and religious organizations. These providers will understand your industry's specific needs and can offer faith-based features.

b. **Check for Nonprofit-Friendly Services:** Many churches operate as nonprofit organizations. Look for merchant account providers that offer special pricing and support for nonprofit entities.

c. **Compare Fees and Rates:** Assess the processing fees, transaction rates, and any other costs associated with each potential merchant account. Choose a provider with transparent and competitive pricing that aligns with your church's size and donation volume.

d. **Consider Payment Options:** Ensure that the merchant account supports various payment options, including credit cards, debit cards, and online giving platforms, to offer flexibility to your members and donors.

e. **Check for Integration with Church Management Software:** If you use church management software to handle member data and donations, ensure that the merchant account can integrate seamlessly with it for streamlined operations.

Can churches use regular merchant accounts for payment processing?

While churches can use regular merchant accounts offered by mainstream providers, specialized church merchant accounts may offer additional features and functionalities tailored to the specific needs of religious organizations.

Are there any specific considerations for larger churches vs. smaller congregations?

Both larger churches and smaller congregations should consider their unique requirements when choosing a merchant account. Larger churches may require higher transaction processing capabilities, while smaller ones may prioritize lower processing fees. Select a provider that aligns with your church's size and specific needs.

How long does it take to set up a merchant account for a church?

The time it takes to set up a church merchant account can vary depending on the provider and your church's specific circumstances. Typically, the process can take a few days to a couple of weeks. Initiating the application process early can help ensure a smooth setup.

Can churches accept contactless and mobile payments?

Yes, many merchant account providers offer contactless payment options, such as tap-and-go cards and mobile wallet payments like Apple Pay and Google Pay. Accepting these payment methods can enhance the convenience for your members and donors during church services and events.

Can churches process both one-time donations and recurring contributions with a merchant account?

Yes, specialized church merchant accounts typically support both one-time transactions for individual donations and recurring billing for ongoing contributions and pledges.

**9. Are there any additional tips for choosing the best merchant account for my church?**
– Seek recommendations from other churches or religious organizations for their preferred merchant account providers.
– Look for providers that offer secure payment processing with advanced fraud prevention measures to protect your church and donors' payment data.
– Read customer reviews and testimonials to gauge the satisfaction levels of other churches using the same provider.
– Review the contract terms carefully and understand any potential cancellation fees or contractual obligations.

Reader Comments

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2 User Reviews

  • Alfred

    I’m reaching out to express my deep gratitude for your comprehensive and detailed article on “Best Church Merchant Accounts”. As someone involved in church management, your guide has been an invaluable resource, aiding in my understanding and navigation of this specific area.

    Your nuanced analysis of each merchant account, spotlighting their unique strengths, possible limitations, and distinctive features, was exceptionally well-executed. You have a knack for simplifying complex topics, making them highly digestible and accessible for readers like myself.

    I particularly appreciated your focus on critical elements such as transaction fees, customer service, and security measures. Your insights into the unique needs of churches, including handling recurring donations, managing event payments, and integrating with church management software, were especially beneficial.

    Your guide clearly reflects the depth of research, time, and expertise invested in it. Your dedication to providing accurate, current, and practical information has greatly simplified what is typically a complex decision-making process, enabling administrators like me to make more informed decisions.

    Thank you once again for your invaluable contribution to this field. Your hard work, dedication, and expertise are deeply appreciated.

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