Is Tithely's Free Giving actually free?

The monthly fee is $0. Card processing is 2.9% + $0.30 per transaction, ACH is 1% + $0.30, AMEX is 3.5% + $0.30. Donors can optionally cover fees. So 'free' means no subscription — not no cost per gift.

Does Tithely include fund accounting?

No. Even at the $119/mo All-Access tier, Tithely does not include fund accounting. Churches typically pair it with QuickBooks or Aplos. Altarflow has fund accounting built in.

Can Tithely categorize expenses with AI?

No. Tithely is a giving and ChMS platform — expenses aren't its focus. Altarflow uses AI to categorize bank transactions and scan receipts via OCR.

Does Tithely support Spanish?

Not natively. Altarflow is bilingual end-to-end — admin, donor portal, receipts, and reports all in EN and ES.

Can I keep Tithely's church app and still use Altarflow?

Yes. Many churches use Tithely for donor app branding and Altarflow for the financial back office. But if you want one tool, Altarflow replaces Tithely Giving + Breeze ChMS functionality with native AI on top.

How does Altarflow's 4% compare to Tithely's 2.9% + $0.30?

On a $100 card gift, Altarflow nets $96 and Tithely nets ~$96.80. On a $25 gift, Altarflow nets $24 and Tithely nets ~$24.45. The difference is a few cents — and Altarflow's 4% covers all payment methods and payouts uniformly.

Last updated: April 20, 2026

COMPARISON

Altarflow vs Tithely: An AI financial OS, not a bundle of giving tools.

Tithely has grown from a giving tool into a suite — giving, ChMS (the acquired Breeze), a church app, a website, worship tools. But at $119/mo All-Access, it still doesn't include fund accounting, AI categorization, or OCR receipt scanning. Altarflow does — for less.

Book a demo See pricing

What is Altarflow?

Altarflow is the financial operating system for churches. Donations, expenses, reporting, and digital giving in one platform — not five. AI agents categorize transactions, match Zelle and Venmo gifts to donors, and scan receipts in English and Spanish. From $99/month, replacing the giving-platform-plus-QuickBooks-plus-receipt-tool stack most churches patch together.

The short answer

Tithely is a giving platform that grew into a bundle. Altarflow is a financial operating system that happens to include a CRM.

Who should pick what

Pick Tithely for a custom branded app, free-tier giving, and a broad product bundle. Pick Altarflow when your treasurer needs AI help on expenses, fund accounting, and donor matching.

Bottom line

Tithely All-Access runs $119/mo and still needs QuickBooks for fund accounting. Altarflow is $99/mo with AI categorization, OCR receipts, and fund accounting built in — plus daily Stripe payouts instead of Tithely's 7–14 day ACH wait.

Altarflow vs Tithely

Tithely vs Altarflow, feature by feature

Based on Tithely's pricing (get.tithe.ly) and product pages as of 2026.

	Altarflow	Tithely
AI expense categorization
OCR receipt scanning
Built-in fund accounting
Board-ready financial reports
Custom branded church app
Custom church website
Free giving tier ($0/mo)
Daily Stripe payouts
Bilingual EN / ES
AI Zelle / Venmo matching
ChMS (people, volunteers, events)Tithely: via the bundled Breeze product.
Worship team tools
Starting price (core)	$99/mo	$0 – $119/mo

Pricing

Pricing: unbundle vs. consolidate

Tithely is modular — free giving, +$72 for ChMS, +$29 worship, +$89 app, +$19 website. Stacked All-Access is $119/mo. Altarflow is one plan.

Altarflow

$99/mo

Finance OS + CRM + AI. One plan.

AI categorization + OCR receipts
Fund accounting
Unlimited donations & members
Daily Stripe payouts
Bilingual EN / ES
Donor portal + tax statements
Custom forms & web portal
Member CRM

Tithely

$0 – $119/mo

Free Giving → $72 Giving+ChMS → $119 All-Access.

Unlimited donations (processing fees apply)
Custom branded church app
Custom church website
Breeze ChMS (all-access tier)
Worship team tools (all-access tier)
Text giving
Fund accounting
AI categorization
OCR receipts
Bilingual donor experience

Processing: Tithely's Free Giving uses 2.9% + $0.30 per card transaction, 1% + $0.30 ACH, 3.5% + $0.30 AMEX. Altarflow is a flat 4% covering all methods plus payout costs. On a $100 card gift Tithely nets ~$96.80; Altarflow nets $96.00.

Where they win

Tithely has genuine strengths — especially if your priority is donor-facing giving and apps.

Free giving tier with no monthly fee
Custom-branded church app and website included in All-Access
Worship team planning tools bundled
50,000+ churches — large ecosystem
Donor cover fees option to preserve gift amount

Why switch

Why churches switch to Altarflow

Six reasons teams move from Tithely's stack to Altarflow's single financial OS.

— 01

Finance in one platform

Categorization, fund accounting, and reports live with your giving — not in a separate QuickBooks.

— 02

AI, not just forms

Altarflow's AI matches Zelle, scans receipts, and categorizes expenses. Tithely still expects manual categorization.

— 03

Bilingual EN / ES

Donor-facing emails, receipts, and portal in Spanish by default. Tithely is English only.

— 04

One tool, one invoice

No unbundling across giving, ChMS, app, website, and worship. One plan, one vendor, one login.

— 05

Daily payouts

Funds arrive within 24 hours via Stripe — your reserves don't sit in a batched queue.

— 06

Reports that lead, not just record

Burn rate, fund balances, giving trends — board-ready, exportable, instant.

Common questions

Also see

Altarflow vs ChurchTrac Altarflow vs Breeze Altarflow vs QuickBooks Altarflow vs Excel Altarflow vs Planning Center

Consolidate your Tithely stack into one AI platform

See how Altarflow handles the finance side Tithely leaves to QuickBooks.