Flux gives churches hosted donation fields, recurring giving, and the option to let donors cover the processing fee so more of each gift reaches the mission.
Why churches choose Flux
Recurring giving
Turn one-time donors into monthly supporters with automatic recurring gifts.
Donors can cover the fee
Where local rules allow, donors can add the processing fee so more of the gift lands.
Low overhead
No setup fees or contracts, so more of every dollar goes to the work.
How churches get paid
Churches take one-time and recurring gifts by card, accept ACH for larger donations, and can let donors cover the fee at checkout where allowed.
A typical Flux setup for churches
Giving at most congregations splits three ways: scheduled recurring gifts from committed members, one-time online gifts after a service or appeal, and cash or checks that never touch a processor. Flux handles the first two. Members set up weekly or monthly gifts on a card or by ACH, and both run automatically until the giver changes them. One-time gifts come through hosted fields on the church site, settling in 1-2 business days for cards.
Christmas and Easter bring attendance spikes and with them giving spikes, and building campaigns layer multi-year pledges on top of weekly offerings. The same rails cover both: pledge installments run as scheduled ACH or card payments, and special appeals use the regular donation form with a designation field. Everything syncs to QuickBooks, which matters when the books are kept by a volunteer treasurer on Tuesday nights rather than a finance office.
What churches should watch
Recurring giving quietly erodes as cards expire or are reissued after fraud elsewhere, and a lapsed weekly gift often goes unnoticed by the giver for months. Review failed recurring payments regularly and treat the follow-up as pastoral contact, not collections. Encouraging members to give by ACH helps here too: bank accounts do not expire the way cards do, and ACH gifts settle in 1-3 business days.
Designated gifts carry obligations: money given to the building fund or a mission trip has to be spent that way, and the treasurer needs clean records proving it. The QuickBooks sync keeps each gift's designation attached to the transaction. At tax time, members expect accurate annual giving statements, so reconcile designations monthly instead of untangling a year in January. Card data security stays off your plate: hosted fields keep numbers out of church systems entirely.
Simple, transparent pricing
Flux charges a flat 2.9% plus 30 cents per transaction, with volume discounts for higher-volume churches and the option to pass the fee to the customer at checkout where local surcharging rules allow. No setup fees and no contracts. Accounts processing under $100,000 a year in card volume may be subject to a $20 monthly account fee.
Frequently asked questions
How do churches accept payments with Flux?
Churches accept credit and debit cards, ACH bank transfers, and stablecoins through one Flux integration, with drop-in hosted fields that keep card data off your own systems.
What does Flux charge churches?
A flat 2.9% plus 30 cents per transaction, with volume discounts for higher-volume merchants and no setup fees or contracts. Accounts processing under $100,000 a year in card volume may be subject to a $20 monthly account fee. You can also pass the processing fee to the customer at checkout where local surcharging rules allow.
How fast do churches get their money?
Card payments settle in one to two business days and ACH in one to three business days. Stablecoin payments go to your wallet instantly.
Can members set up automatic weekly tithes?
Yes. Recurring gifts can run weekly or monthly on a card or by ACH, and the member controls the amount and schedule. Gifts continue until the giver changes or cancels them, with no contract on either side.
We have no paid staff. Is Flux workable for a volunteer treasurer?
Yes. There are no monthly fees on qualifying card volume, minimums, or contracts to manage, and every gift syncs to QuickBooks so the ledger stays current without manual entry. Handing off to next year's treasurer is a login, not a renegotiation.
Can people give to a specific fund, like missions or the building campaign?
Yes. Your giving form can carry a designation with each gift through the API, and that designation follows the transaction into QuickBooks. That keeps restricted money traceable from the gift to the ledger.
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