Canada-first church giving prototype

Help more of every gift reach ministry.

Credit-card giving is easy, but percentage fees quietly tax every tithe and offering. GiveMore nudges Canadian donors toward Interac e-Transfer with clear instructions, copy buttons, unique memo codes, and receipt-ready donor capture — while keeping card giving as a fallback.

Try donor flow Show fee savings

The immediate church win

Simple donor ask:
“If you can, choose e-Transfer so more of your gift supports the mission.”

No processor needed for MVP:
Church uses its existing bank Autodeposit email. The app creates instructions and a reconcile-ready memo.

Sellable angle:
A practical giving optimization sprint for Canadian churches, not a huge church-management rebuild.

example fees avoided/yr

CRA

receipt-ready data capture

giving links for slides/lobby

Hybrid

e-Transfer first, card fallback

Church savings calculator

Estimates the fee story for a sales conversation. Actual e-Transfer fees/limits vary by bank and account package.

Annual online giving volume

Average gift

Current card fee %

Current fixed card fee

% moved to e-Transfer

Estimated e-Transfer cost each

Current estimated card fees

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Hybrid estimated fees

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Potential yearly savings

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Donor e-Transfer assistant

A donor fills this in, then the app gives exact banking-app instructions. No card data. No bank login. No money passes through this prototype.

Gift amount

Fund/designation

Donor full name

Email for confirmation

Mailing address for receipt

Church Autodeposit email

Generated instructions

Generate a gift to see donor instructions.

Admin reconciliation board

MVP keeps this intentionally simple: pending pledges from donor flow, then church staff marks received after bank deposit appears.

Receipt-ready record

Official receipt data checklist

Generate a gift to preview the fields a church needs to retain for annual receipting.

How to sell the win

Headline: “Stop losing ministry dollars to card fees.”

Offer: Canadian Church e-Transfer Giving Setup Sprint — Autodeposit instructions, giving page, QR cards, slide/lobby copy, donor FAQ, and reconciliation board.

Proof: Use the calculator with their annual giving volume. Even a partial shift from card to e-Transfer can pay for setup.

Low-friction promise: Keep Pushpay/card giving. Add an Interac-first path for donors who already prefer bank transfer.

Price test: $750–$2,500 setup, plus $99–$299/month for hosting/support/reconciliation assistance.

Important positioning

Do not claim Interac is always free. Fees and limits vary by financial institution.

Do not replace credit cards entirely. Cards still matter for visitors, international donors, and automatic recurring gifts.

Do not issue official receipts without registered-charity details and CRA-compliant controls.

MVP scope

Church setup: charity name, CRA number, Autodeposit email, funds, receipt policy.

Donor page: amount, fund, donor receipt info, generated memo/reference.

Copy buttons + QR-friendly instructions for banking-app transfer.

Known friction: copying transfer details on a phone is still annoying. This MVP validates the savings/reconciliation workflow, but it is not the final best donor UX.

Admin: pending gifts, manual match, received date, CSV export.

Annual receipt export/PDF later, after compliance review.

Phase 2 — make-or-break

Interac Business Request Money / QR request flow: likely the conversion unlock because donors approve a request instead of manually copying email/amount/memo into banking.

Confirm availability with each church's bank or payment provider.

PAD/pre-authorized debit for true recurring giving.

Planning Center/Pushpay/Tithe.ly/ChurchTrac import/export connectors.

Role-based admin accounts and immutable receipt numbering.

Hosted multi-tenant version for The AI Johns / church CRM funnel.

Compliance disclaimer

This prototype is not legal, tax, banking, accounting, or payment-processing advice. Production use requires each church to confirm its banking setup, charity registration/receipting process, privacy policy, data retention, and CRA receipt compliance.