Text Giving FAQ | Txt2Give
FAQ

Every question.
Answered plainly.

No sales pitch. No runaround. Just straight answers about how text giving works, what it costs, and how fast you get paid.

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Questions answered
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10 min
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Most asked

Is Txt2Give really free?

Yes — $0/month, forever. Donors optionally add a tip (15% default, or custom amount) to keep the platform free for your organization. Most do.

Do donors need an app?

Nope. They text a keyword to your number. Done.

How fast do we get paid?

Donations appear instantly in your dashboard.

text giving FAQ

This text giving FAQ covers everything organizations ask before getting started — from how the SMS flow works to fees, setup time, and donor experience.

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Cost & fees

Is Txt2Give really free? What's the catch? +
✓ $0/month

Yes — Txt2Give is completely free for churches and registered nonprofits. No monthly fee, no setup fee, no contract.

The platform is donor-supported. After confirming a gift, donors are offered a tip to keep Txt2Give running — 15% by default, but they can choose a custom amount or skip it entirely. Most add it because the prompt is framed around supporting your organization, not us. If a donor says no, the gift still goes through exactly as entered — no impact on the donation experience.

The only cost you pay is the standard Stripe processing fee: 2.3% + $0.30 per transaction for verified nonprofits — one of the lowest rates available.

Are there payment processing fees? +

Yes — payment processing fees apply to every digital transaction, just like a credit card swipe. Txt2Give works with Stripe for processing.

Organizations that connect through Stripe receive a discounted nonprofit rate of 2.3% + $0.30 per transaction — one of the lowest available anywhere.

We strongly recommend Stripe, which is fully integrated into the sign-up flow for a seamless setup experience. We do support select third-party gateways, though they aren't directly integrated into onboarding and rates may vary.

Is there a contract with Txt2Give? +
✓ No contract. Cancel anytime.

Nobody likes contracts, so there isn't one. Sign up, start accepting donations, and leave anytime you'd like — no penalties, no hoops.

How does Txt2Give make money if it's free for nonprofits? +

Txt2Give doesn't charge nonprofits a monthly fee. After each gift is confirmed, donors are given the option to add a tip that helps keep the platform running — 15% by default, though donors can adjust or skip it with no effect on their gift. The only required cost to your organization is the standard Stripe processing fee of 2.3% + $0.30 per transaction.

Does Txt2Give charge more in fees as our donation volume grows? +

No. Txt2Give remains free for verified nonprofits no matter how many donations you process. The only per-transaction cost is the standard Stripe processing fee of 2.3% + $0.30, and that rate doesn't increase as your giving volume grows.

How much does text-to-give cost with Txt2Give? +

Txt2Give is $0/month — no setup fee and no contract. The only charge is Stripe's standard processing fee of 2.3% + $0.30 per transaction for verified nonprofits and churches. Donors are also offered an optional tip (15% default) to support the platform, but it doesn't reduce what your organization receives.

Does it cost extra to use Txt2Give for a one-time event or text-a-thon? +

No extra platform cost — one-time events still run on the standard Stripe processing fee. The only added charge is a small $100 rush fee if you need your account fully set up and tested in under 48 hours instead of the standard timeline.

Does Txt2Give charge any setup fees or monthly subscription fees? +

No. Txt2Give is free for verified nonprofits and churches to use, with no setup fees, no monthly subscription, and no per-user charges. The only cost is Stripe's standard payment processing fee of 2.3% + $0.30 per transaction — the same rate any nonprofit pays to accept a card online.

How it works

How do people give by texting? +

Your organization receives a unique 10-digit giving number in the area code you provide when you sign up. Toll-free numbers are also available.

To give, donors text GIVE (or a custom keyword) to your number. They confirm the amount, and the gift lands in your account. First-time donors complete a one-time 60-second registration to save their payment info — after that, future gifts are a single text reply.

For online giving, donors use the unique giving link in your dashboard.

Are text donations charged to the donor's cell phone bill? +
✗ No — charged to credit/debit card or bank account

Donations are charged to the donor's credit card, debit card, or bank account — not their phone bill. They choose their payment method when they register the first time.

The phone-bill model (carrier billing) has significant limitations: you need 501(c)(3) status with minimum annual revenue, donations are capped at small amounts with monthly limits, and funds can take 60–90 days to reach you. Txt2Give's approach is faster, simpler, and has no donation caps.

How simple is your service to use? +

Very simple. Txt2Give works within the phone's native texting app — there's nothing for donors to download, install, or log into. They just send a text, the same way they'd text anyone else.

For your organization, setup takes about 10 minutes. Connect Stripe, get your giving number, and you're live.

How soon will we receive the text donation? +

Donations appear instantly in your Txt2Give dashboard — in real time as gifts come in.

Fund deposits depend on your payment processor. With Stripe, most organizations receive funds within 2 business days (7 days for Canadian accounts). Receipts are automatically emailed to donors as soon as each gift processes.

Can churches use text giving during a live service? +

Yes. Text giving is built for in-the-moment giving, including during a live worship service. A donor texts your keyword and amount to your 10-digit giving number and confirms the gift in seconds, right from their phone's native texting app — no app to open, no line to stand in. Many churches display the number and keyword on screen during the offering.

Can donors give internationally through Txt2Give? +

Txt2Give is built around 10-digit U.S. mobile numbers and U.S. carrier networks, so it's designed for donors texting from within the United States. If supporters are giving from outside the U.S., international messaging rates and carrier support can vary — contact our team to confirm compatibility before launching a campaign.

What is a text message donation, and is it safe? +

A text message donation lets a donor text a keyword or dollar amount to an organization's dedicated number to give — no app or download required. The gift is charged to the donor's credit card, debit card, or bank account (never their phone bill), and payment data is processed through Stripe's PCI Level 1-certified infrastructure, so card details are never stored on Txt2Give's servers.

What happens if a donor texts the wrong keyword or amount? +

If a donor texts a keyword that doesn't match an active campaign, Txt2Give automatically replies letting them know the keyword wasn't recognized and asks them to check the spelling or contact the church directly. If the amount falls outside your set giving range, the system prompts the donor to enter a valid amount, and nothing is charged unless the gift completes successfully.

For donors

Do I have to download an app? +
✗ No app. No login. No download.

Donors give through their phone's native SMS messaging — the same app they use to text friends and family. Nothing to install, nothing to remember.

Apps create friction that hurts completion rates: different versions for iOS vs Android, constant update requirements, storage space, slow load times. Every extra step between "I want to give" and "gift confirmed" is a step where donors drop off. Txt2Give removes all of them.

Do my donors get a text donation receipt? +

Yes. Txt2Give automatically sends a branded email receipt to every donor immediately after their gift is processed. Receipts are customized to your organization — you can add additional information like tax details, fund designations, or a personal message.

What donor information do we get? +

The first time a new donor gives, they complete a quick one-time registration to save their payment info. This registration is how Txt2Give verifies their identity with the payment processor and makes future giving a single text reply.

Required fields: name, email address, and credit card info. You can optionally collect the donor's address as well. All of this information is available in your dashboard and exportable.

How do donors cancel a recurring text gift? +

Donors who set up a recurring gift by text can cancel it at any time by texting back to update or stop the gift — no phone call or written request required. Once canceled, no further recurring charges are processed and the change takes effect immediately.

Can donors give from any phone, including iPhone and Android? +

Yes. Text giving works over standard SMS, so donors can give from an iPhone, Android, or any phone that can send a text message — no app download, smartphone, or specific carrier required. They simply text your keyword and gift amount to your organization's 10-digit giving number.

Is a text-to-give donation request safe, or could it be a scam? +

Legitimate text-to-give donations run through PCI Level 1-certified processors like Stripe, and card details are never stored on Txt2Give's servers. To confirm a giving text is real, check that the number and keyword match what your organization has published in its bulletin, website, or email — legitimate platforms only collect card info through a secure registration link, never as plain text.

Is there a minimum or maximum amount a donor can give by text? +

Most Txt2Give campaigns accept gifts starting around $1, though your organization sets its own minimum for each keyword. There's no platform-imposed maximum, but unusually large one-time gifts may be subject to Stripe's standard fraud checks, the same as any other online card transaction.

Getting set up

How long will it take to get my account set up? +

For ongoing accounts, your account is active immediately when you sign up — first donation in under 10 minutes once Stripe is connected.

For one-time events, we can have you fully set up and tested within 48 hours. If you need it sooner, there's a small rush fee of $100.

Do I have to have a merchant account? +

Yes — any platform that processes digital payments requires a merchant account to move funds. The good news: Stripe is built directly into the Txt2Give sign-up flow, so creating one takes about 5 minutes.

If you already have a merchant account with another provider, we support a number of third-party gateways. Reach out and we can confirm compatibility.

Do I need technical or IT skills to set up Txt2Give? +

No. Setup is designed for church and nonprofit staff, not developers. You connect Stripe, choose your giving number and keyword, and you're live — the whole process takes about 10 minutes. No coding, servers, or IT support required.

Do I need to change my organization's phone number to start text giving? +

No. Txt2Give assigns your organization a dedicated 10-digit number for giving campaigns — separate from your existing office or church phone line — so nothing about your current number changes. Donors text your keyword and gift amount to that new number, and setup takes about 10 minutes.

Can I set up multiple giving keywords for different funds or campaigns? +

Yes. You can create separate keywords for different funds, campaigns, or events — for example, one for general giving and another for a building campaign — all routed through the same 10-digit number. Each new keyword can be added in minutes from your Txt2Give dashboard, with no technical or IT help required.

Features

Can I customize the giving form? +

Yes. You can add your logo and choose your brand colors so the giving experience feels seamless and on-brand for your donors. A custom giving image — complete with your giving number and instructions — is also included free with every account.

We also have a layered version of the giving image sized for live-streaming and big screens. Additional custom giving images are available upon request.

Do you have online giving, too? +

Yes — online giving is included free with every account. Your organization gets a branded giving page at your own URL so donors can give via desktop or mobile web as well.

Everything flows into the same dashboard, so all your digital donations — text and online — are in one place.

Do you offer short codes? +

We don't currently offer short codes. Here's why:

Major carriers have been blocking shared short codes (the 5–6 digit numbers) due to spam concerns. A shared code means multiple organizations share one number — if any one of them gets flagged for spam, the code goes down for everyone.

Dedicated short codes (one per organization) avoid that problem but cost $1,000+/month — not practical for most churches and nonprofits. Until there's a more cost-effective solution, we provide reliable 10-digit local numbers that don't have those risks.

What are the main benefits of Txt2Give? +

The two core benefits are simplicity and reach.

96% of people in the US carry a smartphone everywhere. Txt2Give turns that phone into a giving device — donors can give from anywhere, at any moment, in a few seconds. No app, no account, no friction.

For your organization, it's free, takes 10 minutes to set up, and all your giving data lives in one dashboard.

Can donors set up recurring gifts through Txt2Give? +

Yes. Donors can schedule recurring gifts — weekly, bi-weekly, or monthly — directly from the text conversation. Once set up, future gifts process automatically without any additional action from the donor. They can update the amount or cancel anytime by texting back.

Does Txt2Give integrate with church management software? +

Yes. Txt2Give integrates with popular church management systems (ChMS) including Planning Center and Breeze, so giving data flows directly into your donor records. All donation data is also exportable as a CSV from your dashboard at any time.

Should our church use text-to-give instead of online giving, or both together? +

Most organizations use both — text-to-give is best for impulse and in-service giving, while online giving pages tend to capture more recurring gifts. Txt2Give includes both free with every account, so there's no added cost or separate setup to run them side by side.

Support & fit

Who is Txt2Give for? +

Any organization that needs to raise money — churches, nonprofits, schools, political campaigns, community organizations. We have affordable options for both ongoing programs and one-time events.

Will Txt2Give work for us? +

Txt2Give works well for most organizations. The two factors that most influence success are:

  1. How you promote it — organizations that actively display the keyword and number (bulletins, screens, emails) see strong completion rates
  2. Your donor demographics — SMS giving works best when donors are smartphone users comfortable with texting

That's why we offer a free account with no contract, plus a comprehensive launch package for every new account. Our team is available to help during your launch and every step after.

Does text giving work for small nonprofits? +

Yes. Text giving works for organizations of any size. Because Txt2Give is free with no contract and no monthly minimum, small nonprofits and single-location churches can start with one giving number and grow into additional features as their donor base expands.

Is there a cancellation fee if I stop using Txt2Give? +

No. Txt2Give has no contract, so you can cancel at any time without a cancellation fee or penalty. You're only ever responsible for the standard Stripe processing fee (2.3% + $0.30) on donations already processed before you cancel.

Is text-to-give the same at every church, or does it vary by provider? +

No — it varies significantly. Legacy short-code models charge a fixed amount to the donor's phone bill and cap gift size, while Txt2Give processes any amount by card or bank transfer with no caps, no app, and no monthly fee. Always confirm which model a given "text to give" number uses before assuming behavior is universal.

Does Txt2Give offer live support if something goes wrong during a service or event? +

Yes. Txt2Give provides customer support to help troubleshoot before, during, and after live services or giving events. Most keyword and setup issues can be resolved directly from the dashboard, and support is available whenever you run into something you can't fix yourself.

Give your donors the easiest giving experience they've ever had.

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