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Bryce Collman spent years as an executive in the electronic payment processing business. He saw an opportunity at the end of 2009 to start a company that offers churches lower rates for processing credit and debit card transactions, and he was eager to spread the word.

But visits to church leaders to tout his money-saving method produced several surprising responses. "As we talked with organizations, churches specifically told us, 'No credit,'" Collman recalls. "A Dallas-area church did not want to put their members at risk of creating debt in order to support the church. They were adamant about it." He responded by developing an option for online giving that he says will reject a credit card if someone tries to use one.

Churches who have adopted online giving generally say it steadies their weekly giving patterns, since someone can still tithe regardless of whether they're sitting in church on Sunday. As online giving grows more popular—one-third in the "2010 View from the Pew" survey say they regularly give online—Collman says he expects more churches to look into the debit-only option from his Texas-based Ardent Giving Solutions

The reason: church leaders likely hear horror stories about credit card debt through personal finance ministries like Financial Peace and Crown Financial, but still want the benefits of online giving, forcing them to wrestle with this question: Are credit cards appropriate for tithing?

For some, the answer already is yes. Aside from more predictable weekly giving patterns, "we are fast moving to a cashless society," says Glenn Wood, church administrator for Seacoast Church, where 10,500 people attend each week at 13 campuses in the Southeast. "We need to adapt along with that." And many people treat a credit card like a tool, making purchases to collect points, and then paying off the balances each month so that no interest accrues. Some enjoy cashing in those points for things like airline miles to help with missions trips, leaders say.

At Seacoast, more than 20 percent of its total giving this year has come from electronic giving, up from just 5 percent in 2005. At Faith Promise Church in Knoxville, Tennessee, about 40 percent of the weekly collections from 3,600 people come electronically, says Aaron Goin, finance director.

Wood and others point out that some congregants bounce checks or possess insufficient funds for electronic bill payments, or they tithe with cash or check, only to rack up thousands in debt while shopping. Wood says his church tells its givers to pay off balances each month; it also offers stewardship and personal finance classes to teach sound money practices, regardless the payment preference.

Preventing congregants from using credit cards would legislate how people can or can't give, Wood says.

"I don't think we want to become a nanny church," says John Gordon, executive pastor of the Wayside Church in San Antonio. Many churches use credit cards for staff members to cover monthly business expenses, Gordon adds. "If you're going to take the stance of absolutely no credit cards, if you have these other venues, are you going to be consistent across the board?" he asks.

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