3 Simple Ways to Modernize & Increase Donations at Your Church

1: Accept Debit & Credit Card Donations

A recent study has shown that over 90% of all church donations come from cash and checks in the offering plate and 43% of people go a week at a time without using cash. This could indicate a missed opportunity. Have you ever wondered how many people attending your Sunday service or church event want to give, but can’t? Not because they can’t afford to, but because they don’t have cash or a check on them.

According to CNN Money, 43% of American adults go a week at a time without using cash at all. Instead, they depend on debit and credit cards.


If you want to modernize your giving options and increase your donations, you should have a credit/debit card donation alternative that people can easily access.

According to one estimate, organizations lose up to 80% of consumer impulse transactions if they don’t accept credit cards.

When you have a special speaker or are supporting a missionary family, it is critical to provide a simple way for your congregation to donate on the spot. When they walk out your doors, their desire to donate is often forgotten.

2: Leverage the Power & Scale of Smartphones

Accepting debit and credit card donations is important, but what is the best way to do that? Obviously, having a credit card terminal in the foyer or resource center is not practical.

133.7 million people in the U.S. own smartphones.comScore Reports February, 2013

Less than 3% of all donations are received that way. Traditional online donations are great, but they miss the mark in terms of simplicity, convenience and impulse. Then what is the solution? There’s a good chance it’s in your pocket or on your desk right now…your smartphone!

Take a look at these smartphone statistics…

    • + As of February 2013, 133.7 million people in the U.S. owned smartphones.


    • + 44% of US smartphone owners are interested in making in-person payments with their devices.


    • + 51% of consumers say they have made a mobile payment within the past 3 months and 82% see themselves making one within the next year.


    • + By the end of 2013, there will be more mobile devices on Earth than people.


    • + With connected devices on the rise, mobile data usage is skyrocketing too – mobile traffic worldwide grew 70% in 2012, nearly double what it was the year before. It’s now 12 times what the global Internet was in 2000.


    • + In 2012 34% have made a purchase using their mobile phone compared to 19% in 2011.


    • + 55% of mobile owners access mobile web.


    • +By 2014, mobile Internet is predicted to take over desktop Internet usage.


What do these stats mean for your church? A massive segment of people are being overlooked when it comes to giving: potential mobile donors. You can solve the problem by literally turning every smartphone into a mobile donation credit card terminal!


Utilize a platform that makes it easy for your supporter’s to donate with their smartphone and debit or credit card of their choice.

Avoid paying monthly and any type of set-up fees.

Be cautious of sites that claim “We only charge X% plus credit card fees.

As good as it sounds, “PLUS CREDIT CARD FEES” can be expensive. To process any Visa, MasterCard, American Express or Discover card, these card companies set their own rates per transaction (known in the industry as interchange). After the card companies set their rates, processors build their fees on top plus fees they don’t want you to know about.


    • Non-Swiped Transaction Fee – 2-3% per transaction


    • Additional Transaction Fee – $0.30+ per transaction


    • Monthly Minimum Fee – Credit card processors typically charge their merchant’s a monthly minimum fee if they don’t process enough transactions, usually around $25+ per month.


    • Statement Fee – A fee just to receive your merchant account statement and it is usually about $5+ per month.


    • PCI Compliance Fee – A fee passed to the organization for PCI compliance of $100+ per year.


    • Downgrade Fee – This is the credit card processing industry’s dirty little secret. Each credit card has it’s own type of processing fees assigned to it. For example, a business rewards card has a higher rate than a non-rewards card. Downgrade fees costs merchants an additional 1-3% per transaction and on average 50% of a merchant’s transactions experience these fees (ever wondered how they paid for airline miles and cash back).


    • Early Termination Fee – Most credit card processors make you sign a contract and if you cancel before the end date, you are slapped with a fee of $100+.


    • Annual Fee – Most credit card processors will also charge you a yearly fee just to process with them at around $99+ a year.


    • International Card Fee – There is also additional transaction fee to accept international credit cards.


    • Separate Rate for Amex and Discover – Typical processors will have a separate rate for American Express and Discover cards.


To avoid these hidden fees, take advantage of a mobile donation platform that has a flat rate for every donation. This can save you the headache of trying to figure out what transaction rate you are actually paying and most importantly it can save you money.

3: Location, Location, Location

With location services built into most smartphones, this technology can be a great opportunity to collect donations at your events in different locations.

    • + 27% of organizations worldwide planned to implement location-based marketing in 2013.


    • + 48% of smartphone owners use or would like to use a smartphone to shop while in-store or on the go.


    • + 74% of U.S. consumers use location based services on their smartphone and 46% of mobile phone users use location based services.


    • + 19% of the world’s 6 billion mobile users are already using location based services, with 62% aspiring to do so in the future.


Using location-based donation services, your church can provide a giving option to people at your live events who might not have extra cash, but do have a smartphone and a debit or credit card. In addition, you can use one platform for all of your events throughout the year.


At Modern Giver, we believe that giving financially should be simple and convenient. Churches should offer options that today’s tech- savvy consumers expect. That is why we built our platform.

As the premiere mobile fundraising tool for churches, schools and other non-profits, Modern Giver provides the ability to utilize location-based mobile donation options for live events.

With Modern Giver, anyone with a smartphone can donate to your church in real-time using the credit or debit card of their choice. It is fast and easy for people to give – and doesn’t cost a dime to join! Unlike other credit card processing options, there are no monthly, hidden or confusing fees. We only charge a simple flat fee for every transaction. It’s that easy.

Our goal is to offer churches a simple giving solution with cutting-edge technology, while being streamlined and transparent. Sure, we need to charge fees to stay in business, but we are committed to running our company by the Golden Rule.

If you would like to schedule a demo or sign up, please Click Here or feel free to email [email protected]

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