Is it acceptable to go into credit card debt when making a contribution?

The program does not encourage debt. The AdventistGiving option is for the convenience of those who prefer to do their banking and financial transactions online.

AdventistGiving negotiates the lowest possible fees for online giving.  The costs are shared by the local conference (70%), union conference (10%), North American Division (10%) and General Conference (10%).

 - Each ACH transaction (electronic check or savings account) costs around 16 cents per transaction.
 - The cost of credit cards is an average of 2.00% of the amount given
 - The cost of debit cards is an average of 0.65% of the amount given.  Generally debit cards are connected to checking or savings accounts that have routing and accounts numbers.  If you are going to use a debit card please consider entering the routing and account number provided to you by your bank your bank for your transaction.

As you can see, we do prefer the use of electronic checks whenever possible so that the Conference, the Union, the Division, and the General Conference can keep the costs low and continue to sponsor the use of AdventistGiving and provide the service for free to the local churches.