Debt and Digital Giving

September 6th, 2013

It seems like everything is moving into the digital world these days. The Internet has quickly become a world unto itself where we can share the highlights of our life, purchase gifts, and do a day’s worth of work all from the comfort of our favorite spot on the couch. Online banking, which was once a little-trusted novelty, has now become the norm for keeping track of purchases and paying bills.

So it only makes sense that the church consider ways to offer digital means for giving. After all, what church could afford to say they’re taking in so much money through traditional measures that they don’t need to worry with this new way of giving?

Insightful articles have been written and even published on this site encouraging churches to make the leap into the digital age when it comes to giving. I strongly encourage an article by Shane Raynor from April 2012 for starters.

I’ll even echo much of what the experts say about giving patterns in the 21st Century: I don’t carry cash; I pay all but two of my bills online (those two bills are local companies who refuse to get into the digital age); and I prefer electronic banking.

If churches want to keep up with the ways people manage their money, then they must consider digital methods for giving. 

But this article is not another in the long stream of articles encouraging churches to offer digital giving opportunities. This article is intended to offer some questions we should ask before we implement digital giving as a norm in our churches.

What methods of giving should you encourage when considering digital giving?

Do you offer debit card-only giving or do you allow people to use credit cards as well? This may sound like a no-brainer but it’s much more complex than we might think.

A CNNMoney article says the average American household with at least one credit card has over $15,000 in credit card debt (in 2012). The average interest rate runs in the mid-to-high teens at any given moment. Those are staggering figures. Credit card debt should already carry with it ethical concerns for Christians considering the biblical admonitions against charging interest to debt (see Exod. 22:25 for example).

Debt is real and churches have a theological obligation to not encourage the incurring of more debt. This doesn’t even address the gray area created in giving through credit—is it really giving of ourselves to give money that we don't have? So if you’re looking to set up digital giving, you should ask some hard questions about the idea of asking people to give via credit cards.

Many churches who offer digital giving only accept debit cards. This is a purposeful decision on the part of churches to say that while digital giving is accepted, not every means of giving is encouraged. Deciding on a “debit only” system is something churches should talk about before encouraging digital giving. It’s not for everyone but it should certainly be a part of the conversation.

What else should you consider when setting up digital giving?

Before you invest in new kiosks and software, you should also consider some other additions to your church life. Namely, plan to offer small group studies about money and debt management. I personally think this is an absolute necessity for churches whether you’re considering digital giving or not. Churches have an obligation to help people live into the wholeness of life God offers, and that wholeness can all too quickly get lost under a mountain of personal debt. Further, if churches want to encourage digital giving as a means of taking in more revenue, then we better offer a wholistic approach to managing money lest we become just another life-draining source of debt.

Some ideas for curriculum to offer include:

Enough: Discovering Joy Through Simplicity and Generosity by Adam Hamilton

  • The title gives away the premise — in a consumption society, we need to learn when enough is enough. Adam offers some great biblical insight and Wesleyan theological perspective to some very practical material on managing money and growing in generosity.

Financial Peace University

  • This one is very popular in local churches. It’s the Dave Ramsey program and it stresses very practical ways to address issues of debt and financial management.

Not Your Parents’ Offering Plate by J. Clif Christopher

  • This book is a great resource for pastors, leaders, and anyone who works with church finances. It addresses the issue of trust between givers and organizations and offers some practical guidance for churches to become better at managing the gifts they receive while also doing a better job of capturing the imagination of the givers.

A friend recently told me, “digital giving is the new frontier for church stewardship and we better wake up to that reality.” And you know what, he’s absolutely right. But let’s boldly discover this new frontier with some caution and integrity. Jesus’ promise for abundant living and the coming of the kingdom means so much more than just taking in bigger weekly offerings.

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