Checked Sep 26, 2026
How much does Vanco cost?
Vanco publishes a free plan; paid plans run $54 per month. Church online giving, text-to-give, mobile app and church management; trusted by 25,000+ churches.
Prices are as published by Vanco on Sep 26, 2026. Check the linked source before buying.
Published rates
Plans and add-ons
Plans
| Plan | Price | Billing |
|---|---|---|
| GROWcard 2.90% + $0.45; ACH 1.00% + $0.45; text-to-give $10/mo extra | $0/mo | Monthly |
| THRIVEcard 2.65% + $0.39; ACH 0.90% + $0.39; text-to-give included | $54/mo | Monthly |
Add-ons
| Add-on | Price |
|---|---|
| Text-to-give (GROW) | $10/mo |
| Giving Insightsboth plans | $75/mo |
| Email Outreachboth plans | $19.95/mo |
| Mobile Card Readerone-time hardware cost | Not published |
Pricing source: vancopayments.com ↗, checked Sep 26, 2026.
Beyond the plan price
Terms worth checking
- Setup
- $0 · but $10/mo if onboarding milestones are missed
- Contract & cancellation
- no contract · Renewal: monthly · 'no cancellation fees'
- Payments
- GROW: 2.90% + $0.45 card, 1.00% + $0.45 ACH; THRIVE: 2.65% + $0.39 card, 0.90% + $0.39 ACH; AmEx 3.99% · Vanco is the processor
- Data export
- unknown
Source notes
What the headline misses
Each point is tied to a dated statement on Vanco's site. Open the source to read the full context.
- The $0 GROW plan becomes $10/mo if the church misses its first specialist meeting within 15 days or does not have its giving page live within 30 days.
“A monthly fee of $10 will be charged if organizations fail to complete their first meeting with a Vanco Giving Specialist within 15 days”
vancopayments.com · Sep 26, 2026 ↗ - A $23.95 monthly fee is charged if the church is not PCI compliant.
“A PCI non-compliance fee of $23.95 will be charged monthly if not compliant with industry data security standards.”
vancopayments.com · Sep 26, 2026 ↗ - Each chargeback costs $25 and each ACH return or credit $5; American Express is 3.99%.
“except American Express, which is 3.99%. There is a $25 fee per chargeback”
vancopayments.com · Sep 26, 2026 ↗ - ACH fees are charged on each transaction and also on daily batches.
“ACH transaction fees are applied to transactions and daily batches.”
vancopayments.com · Sep 26, 2026 ↗ - Card gifts on the free plan cost 2.90% + $0.45 each, a higher per-transaction fee than the paid plan's 2.65% + $0.39.
“2.90% + $0.45/transaction 2.65% + $0.39/transaction”
vancopayments.com · Sep 26, 2026 ↗ - Giving Insights ($75/mo) and Email Outreach ($19.95/mo) are paid add-ons on both plans.
“Giving Insights $75.00/month $75.00/month Email Outreach $19.95/month $19.95/month”
vancopayments.com · Sep 26, 2026 ↗
Who it sells to
Prices and quotes are as published on Vanco's own pages on the date shown, before tax and payment processing. Vendors change prices and terms; check theirs before you buy.
The website-cost question
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