- Starting price
- $49/month + processing
- Free tier
- No
- Platforms
- Web · iPhone · Android
- Developer
- My Well Ministry
- Launched
- 2005 organization · 2019 app
- Updated
- Aug 3, 2026
The verdict
My Well is a serious value candidate for churches willing to trade a monthly platform fee for pass-through card interchange and percentage-free ACH. Its public tiers, mobile giving, recurring gifts, text-to-give, reporting, integrations and support cover the core job, while the nonprofit structure is meaningfully different from a percentage-funded vendor. “Interchange + 0%” is not zero-cost card processing: every gift still carries the network’s variable interchange plus 30¢, and the $49–$499 monthly fee rises by transaction count. Run twelve months of real statements through the model, test reconciliation and data export, and get Celero, PCI, contract, reserve and incident responsibilities in writing.
Try My Well Giving ↗Opens mywell.org
My Well is a church and nonprofit giving platform operated by My Well Ministry, a faith-based 501(c)(3) founded in 2005. The product includes hosted and mobile-optimized giving, an organization dashboard, recurring gifts, designated funds, text-to-give, in-person or kiosk options, exports, reporting and integrations. Its free iPhone and Android app is the donor side: a person finds a participating organization, gives with stored details or Apple Pay, manages recurring schedules and views receipts.
The business model is the main differentiator. My Well says it passes card interchange through at cost without adding a percentage markup and prices ACH at 0% plus a flat 30¢. The ministry pays a monthly access fee determined by the number of gifts: $49 for 1–100, $99 for 101–250, $149 for 251–500, $249 for 501–1,250, $349 for 1,251–2,500 and $499 for 2,501–5,000. Each transaction also costs 30¢.
Those figures are more transparent than a mandatory demo with no fee page, but they do not establish savings for every church. Interchange varies by card network, card type and transaction characteristics. A small average gift makes the fixed 30¢ more important; many monthly gifts increase the platform tier; a strong ACH mix lowers the effective percentage; and another vendor’s bundled tools can change the comparison. My Well’s calculator uses assumptions and explicitly describes its result as directional.
This researched review uses the current official product, pricing and privacy pages, exact Apple and Google listings, data disclosures, version history, public ratings and faith.tools. We did not create a ministry account, process or refund a gift, migrate donor records, compare a merchant statement, test next-day deposits, request support, verify PCI scope, use integrations, trigger fraud controls, export financial records, close an account, request deletion, or conduct accounting, privacy, security, legal or source-code testing.
✓ The good
- Public platform tiers - churches can see $49–$499 monthly pricing and gift-count thresholds before a sales call
- Low-cost ACH structure - 0% plus 30¢ makes bank transfer attractive for recurring gifts, especially at larger amounts
- Pass-through card model - My Well says it adds no percentage markup above underlying interchange
- Nonprofit ownership - the platform is operated by a faith-based 501(c)(3) rather than funded solely by transaction margin
- Core giving coverage - mobile pages, text, kiosk, recurring gifts, funds, reporting, reconciliation tools and donor receipts are included
- Donor convenience - the free app supports organization search, saved details, Apple Pay, recurring schedules and gift history
✗ Watch out
- Not zero-cost - card interchange remains variable, every gift costs 30¢ and organizations pay $588–$5,988 per year in platform fees
- Tier cliffs - one additional monthly gift can move a church into the next fee band unless pricing is adjusted or averaged
- Small app evidence - the iPhone aggregate is based on only 14 US ratings; Google Play shows about 3.6 from 10 reviews and 1K+ downloads
- Sensitive financial data - Apple links payment, contact, user ID, activity and crash data to identity; the privacy policy covers broad collection and service providers
- Processor dependency - My Well’s exclusive Celero Commerce relationship means underwriting, settlement, reserves and incidents cross organizational boundaries
- Savings claims need validation - effective-rate and 40–50% savings language is vendor marketing, not an independent guarantee for a particular church
Best for
- Churches with recurring donors who can be encouraged to use ACH rather than cards
- Organizations paying a high bundled processing percentage and able to compare complete merchant statements
- Finance teams that want public monthly tiers, exports and reconciliation tools without percentage markup from the platform
- Ministries that value nonprofit ownership and will still conduct normal vendor, processor and security due diligence
Avoid if
- Your gift count is tiny enough that a no-monthly-fee platform is cheaper after all transaction costs
- You need a guaranteed flat card rate and cannot budget around variable interchange
- You require independently verified savings, public uptime history, detailed security reports or custom enterprise controls before a demo
- Your finance team cannot reconcile deposits, refunds, chargebacks, fee debits, designated funds and processor statements
What My Well Giving is
My Well is a hosted giving system for churches and nonprofits, not a banking account or church management system by itself. The organization configures funds and giving channels; donors give through mobile-friendly web pages, text, kiosk or the My Well Giving app; administrators monitor transactions, recurring gifts, donor records and reports. Integrations and CSV or Excel exports move the results into other church and accounting workflows.
The donor app is free because the participating organization pays for the platform and processing. A donor can search for a ministry, store contact or payment information, use Apple Pay where available, select a fund, schedule a recurring gift, cover costs when offered and retrieve receipts. The church remains responsible for how designations, refunds, receipting and access are configured.
Why a nonprofit pass-through model can change the giving-platform calculation
Many giving vendors bundle network cost and their own markup into one card percentage. My Well separates them: the church pays actual interchange, a 30¢ transaction fee and a visible platform subscription. ACH carries no percentage charge from My Well, only 30¢. That can preserve more of a large bank gift and makes the vendor’s revenue easier to identify.
The model transfers complexity rather than eliminating it. Interchange has many categories, so the effective card rate changes with donor behavior. A finance committee should compare total debits—not a headline rate—across at least twelve months: platform, interchange, flat fees, ancillary processor charges, refunds, chargebacks, hardware and staff time. Ask another bidder to price the identical mix and let My Well explain every line on a live statement.
Mobile, text, kiosk and recurring giving meet donors in different moments
My Well supports mobile-optimized pages, text-to-give, kiosk or in-person giving, recurring schedules and fund designations. The dedicated app adds organization search, stored donor details, Apple Pay, receipts and schedule management. A church can therefore offer a quick guest path and a more persistent returning-donor experience without making the app mandatory.
Every extra channel needs one consistent fund structure and clear confirmation. Test a first gift, recurring edit, expired card, failed ACH, duplicate tap, refund, designated campaign and year-end receipt. Keep a web option for people unwilling or unable to install an app, and never imply that storing a payment method is necessary to participate in worship or community.
Reporting, exports and integrations matter more than the donation form
The platform advertises real-time dashboards, custom reports, donor insights, reconciliation tools and CSV or Excel export, plus church-system integrations. These are the administrative half of online giving: mapping a gift to the correct person and fund, matching net or gross deposits, recording fees and producing accurate acknowledgments.
Run a reconciliation pilot before migration. Export all fields, examine stable donor and transaction IDs, split gifts across funds, compare batch totals with the bank, test a corrected identity and confirm whether recurring tokens transfer at exit. Decide which system owns names, households and tax statements so automated syncing does not create silent duplicates.
Fraud, PCI and support claims require shared-responsibility detail
My Well’s pricing page advertises fraud prevention, risk tools, an encrypted customer vault, PCI Level 1 compliance, next-day deposits and support. Its processor partnership with Celero Commerce is central to card acceptance. These can reduce the church’s operational burden, but a certification or encrypted vault does not place every device, user and workflow inside the vendor’s control.
Ask which entity is merchant of record, underwrites the account, holds reserves, manages disputes, sends breach notices and stores payment tokens. Require multifactor authentication, least-privilege roles, audit logs, documented recovery and dual approval where supported. The church must still protect administrator accounts, remove former staff and prevent a changed bank destination from being approved by one compromised user.
Pricing
1–100 gifts per month
$49/month + processing
Credit and debit at pass-through interchange plus 30¢ per gift; ACH/eCheck at 0% plus 30¢. Annual platform cost is $588 before processing.
101–250 gifts per month
$99/month + processing
The same published processing structure with a $1,188 annual platform cost. Compare the 101-gift threshold with the prior tier when budgeting growth.
251–500 gifts per month
$149/month + processing
A $1,788 annual platform cost, plus variable card interchange or 0% ACH and the 30¢ flat transaction fee.
501–1,250 gifts per month
$249/month + processing
A $2,988 annual platform cost. Confirm exactly how gift count is measured when retries, refunds, reversals and multiple fund designations occur.
1,251–2,500 gifts per month
$349/month + processing
A $4,188 annual platform cost with the same published transaction pricing and feature set.
2,501–5,000 gifts per month
$499/month + processing
A $5,988 annual platform cost. Organizations above the public range should request written volume pricing and service commitments.
The monthly fee rises with gift count, not giving volume: $49 for 1–100 gifts, $99 for 101–250, $149 for 251–500, $249 for 501–1,250, $349 for 1,251–2,500 and $499 for 2,501–5,000. That equals $588, $1,188, $1,788, $2,988, $4,188 or $5,988 per year before transaction costs.
Each gift carries a 30¢ fee. ACH/eCheck adds no percentage, so a $100 bank gift costs 30¢ before the platform allocation. Card gifts add the underlying interchange set by networks and issuing banks. “Interchange + 0%” means My Well says it adds no percentage markup; it does not mean the interchange itself is zero.
Fixed fees punish small transactions. Thirty cents is 3% of a $10 gift and 0.03% of a $1,000 gift. Gift-count tiers also mean splitting one contribution into many transactions can increase subscription cost even when total dollars stay flat. Model the real average gift and frequency rather than one attractive large-gift example.
The website’s calculator assumes a payment mix and a benchmark effective rate, and labels the output directional. My Well’s average-savings language is a vendor claim. Supply complete statements, include every debit and compare the final effective rate—total processing and platform cost divided by successful donation volume—without counting voluntary donor cost coverage as guaranteed.
Obtain contract duration, cancellation, refunds, rate changes, hardware, onboarding, migration, minimums, reserve, chargeback, failed-payment, Amex, international-card, deposit and export terms in writing. Ask what happens when monthly gift count crosses or later falls below a tier and whether transaction count is averaged or assessed month by month.
Where My Well Giving falls behind
A complete downloadable fee schedule. Publish every processor, card-brand, assessment, chargeback, refund, failed ACH, hardware, reserve and international cost beside the platform tiers.
Tier mechanics. Explain how refunds, retries, reversals, split funds and failed gifts count, when an upgrade occurs and whether downgrades happen automatically.
Security evidence. Make current PCI scope, penetration-test approach, incident response, MFA, roles, audit logs, uptime and processor responsibilities available to qualified buyers.
Data portability. Document complete exports, recurring-token portability, retention after cancellation, deletion exceptions and integration field mappings.
Privacy precision. The policy is broad; provide an app-specific map for financial, contact, location, device, analytics and service-provider data with retention periods.
Independent proof. Publish a savings methodology and anonymized statement comparisons that account for the platform fee, gift mix, fixed fees and all ancillary charges.
My Well vs. Tithely vs. Zeffy
My Well charges a monthly platform fee and separates card interchange from its own 0% markup; ACH is 0% plus 30¢. Tithely offers a familiar church-giving ecosystem with app and management add-ons, but its transaction pricing and feature bundles follow a different structure. Compare full proposals, not one percentage, especially if the church may also buy messaging, church management or websites.
Zeffy uses optional donor contributions to advertise zero platform and processing fees to eligible nonprofits. That can make the organization’s direct invoice lower than both My Well and Tithely, while moving the funding request into the donor checkout. Churches should evaluate donor experience, contribution defaults, eligibility, payout operations and the sustainability of that model rather than treating “free” as a complete comparison.
My Well is most compelling when ACH is a large share, current bundled card rates are high and the church wants vendor margin shown separately. A no-monthly-fee service may win at low volume; a broad church suite may win when consolidated systems reduce labor; a specialist may win for stock, crypto or donor-advised funds. Use the same twelve-month transaction file and score reconciliation, support, security and exit alongside price.
The bottom line
My Well gives church finance teams more public pricing substance than many competitors. The platform fee is visible, ACH is 0% plus 30¢, and card pricing is described honestly as interchange plus no added percentage—not “free processing.” The donor app and web channels cover ordinary giving, and reporting, exports, integrations and support can make administration workable. The remaining questions belong in procurement: variable interchange, tier cliffs, Celero’s role, every ancillary fee, privacy around financial and contact data, reconciliation mechanics, security evidence and complete exit rights. Do not buy from a calculator or a 40–50% claim. Give My Well and at least one competitor the same year of redacted statements, run real test gifts through every route and choose the platform with the lowest defensible total cost and cleanest finance workflow.
Alternatives to My Well Giving
TithelyA larger church technology ecosystem with giving, app, messaging and management products; compare bundles and total transaction pricing.
ZeffyDirectly fee-free fundraising for eligible nonprofits, funded through optional donor contributions and carrying a different checkout tradeoff.
AnedotNo monthly platform fee and public transaction pricing, often simpler for smaller organizations that do not need a church-specific suite.
OverflowA stronger specialist for stock, crypto and donor-advised funds, with an annual subscription and separate cash-processing costs.
PushpayA broad church engagement and giving platform suited to larger implementations, with quote-based economics that require careful comparison.Frequently asked questions
How much does My Well cost for a church?
Published monthly platform tiers are $49, $99, $149, $249, $349 and $499 based on gift count, covering up to 5,000 gifts per month. Processing is additional.
Is My Well card processing free?
No. My Well says it adds 0% markup, but the church still pays variable card interchange plus 30¢ per transaction and the monthly platform fee.
How much does ACH cost?
The published price is 0% of the gift plus 30¢ per ACH or eCheck transaction, in addition to the organization’s monthly platform tier.
Is the My Well Giving app free for donors?
Yes. The exact iPhone and Android apps are free to install. The participating church or nonprofit pays platform and processing costs, though it may offer donors an optional way to cover costs.
What can donors do in the app?
Donors can find participating organizations, give to funds, use stored details or Apple Pay where available, create recurring schedules and access receipts or giving history.
Is My Well a nonprofit?
Yes. My Well Ministry describes itself as a faith-based 501(c)(3) nonprofit technology organization founded in 2005.
Does My Well collect financial data?
Yes. Apple labels payment information and contact details as linked to identity. My Well’s policy describes contact, financial, donation, demographic, location, preference and behavior data, with payment processors and other service providers involved.
Sources & further reading
More Church Giving & Donation Platforms
SecureGiveFounded in 2004 by a pastor who put the first giving kiosk in an American church, and still selling to churches on a published rate card rather than a sales call - with a transaction cap on both priced tiers that decides whether it fits you.OverflowThe one giving platform built around the gifts most churches quietly turn away - appreciated stock, crypto and donor-advised funds - sold on an annual subscription whose real price is published nowhere.ZeffyThe only platform in this category that charges a church nothing whatsoever - no monthly fee, no transaction fee, no card fee - and pays for itself by asking your donors for a tip instead, which makes this a pastoral decision rather than a financial one.AnedotThe only platform here that processes its own payments rather than reselling somebody else's - no monthly fee, no contract, and a card rate that quietly pays for both.
Continue To GiveA modular all-in-one for small churches and missionaries - seven giving methods, a member database, real fund accounting - built by a missionary who could not afford the alternatives, and undermined by three contradictory published fee schedules.
Reflect: Christian MindfulnessA small volunteer-built app offers a surprisingly thoughtful library of Jesus-centered guided audio, lectio divina, imaginative contemplation, lament, and selectable music at no cost—but sparse governance, English-only content, store-data disclosures, and mental-health limits matter.