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Serving the Assemblies of God Since 1951

Nathan Reighard on January 8, 2026

Serving the Assemblies of God Since 1951

Celebrating 75 years of faith, service, and Banking with a Purpose.

Founding members of AGCU in 1951

Since 1951, AGCU has been committed to serving the Assemblies of God community with faith-based financial solutions rooted in integrity, stewardship, and relationships.

What began as a small credit union serving employees of the General Council offices in Springfield, Missouri has grown into a nationwide financial institution serving members in all 50 states and missionaries in more than 190 countries.

Through every season of growth, one thing has remained the same: AGCU exists to help people manage their finances in a way that reflects their faith and supports ministries, churches, families, and communities.

Founding members of AGCU in 1951

Founding members of AGCU in 1951.

A Humble Beginning

AGCU was founded in 1951 after representatives from the Missouri Credit Union League met with leaders from the Assemblies of God to introduce the idea of a member-owned financial institution. Shortly after, employees from Gospel Publishing House and Central Bible Institute became some of the first members.

In those early years, the credit union operated from a single room with a simple mission: help members steward their resources wisely while providing affordable financial services built on trust and community.

As the Assemblies of God fellowship expanded, AGCU grew alongside it—serving ministers, missionaries, churches, educators, and families connected to the Assemblies of God network across the country.

AGCU growth through the decades

Banking With a Purpose

At AGCU, banking has always been about more than transactions.

As a member-owned credit union, AGCU exists to serve people—not shareholders. Earnings are reinvested into better services, competitive products, and support for ministries and humanitarian efforts that align with the credit union’s mission and values.

In fact, AGCU donates 10% of annual earnings to support churches, scholarships, humanitarian projects, and ministry initiatives around the world. Over the past 15 years alone, AGCU has contributed more than $2.5 million toward Kingdom-focused impact.

What “Banking with a Purpose” Means

  • Serving ministries, churches, and families with integrity
  • Supporting missions and humanitarian outreach
  • Investing back into members and communities
  • Providing faith-based financial guidance and solutions
  • Helping members align faith, family, and finances

Growing to Serve a Global Community

Today, AGCU offers a full range of personal, ministry, and business banking services designed to meet the changing needs of members across the nation.

Members have access to:

Digital Banking

Secure online and mobile banking tools that make it easy to manage finances anywhere.

Personal Service

Real people providing personalized care rooted in faith and relationships.

Business Services

Financial solutions designed to help businesses manage operations, growth, and everyday banking needs with confidence.

Ministry Services

Specialized banking tools and support created to serve churches, ministries, missionaries, and nonprofit organizations.

Missionary Support

Banking solutions built for missionaries and ministry families serving around the world.

Nationwide Access

More than 5,000 shared branch locations and 30,000 surcharge-free ATMs nationwide.

Modern AGCU team members

Celebrating 75 Years

In 2026, AGCU proudly celebrates 75 years of serving the Assemblies of God community.

While financial services and technology have changed dramatically since 1951, AGCU’s foundation remains rooted in the same principles that inspired its beginning:

  • Faith
  • Integrity
  • Service
  • Stewardship
  • Community

What started as a small credit union has grown into a nationwide ministry-minded financial institution—but the mission has never changed.

AGCU continues to move forward with a commitment to helping members pursue financial wellness while supporting ministries and communities for generations to come.

Thank You for Being Part of the Story

Every member plays a role in helping AGCU continue its mission of Banking with a Purpose.

Together, we are building on a legacy that began in 1951—and continuing to serve the Assemblies of God community with faith, purpose, and integrity.

Learn more about AGCU and discover how your membership can make an impact.

Year-End Giving Strategies for Churches and Donors

agcu2023 on October 29, 2025

As the year draws to a close, both churches and individual donors have unique opportunities to maximize their giving impact while taking advantage of valuable tax benefits. The final quarter of the year is traditionally the strongest for charitable contributions, making it the perfect time to implement strategic giving approaches that benefit everyone involved.

Understanding the Year-End Giving Landscape

Year-end giving represents nearly 30% of all charitable donations, with December alone accounting for about 12% of annual giving. This surge occurs because:

  • People receive year-end bonuses and want to offset their tax burden
  • Tax deadlines create urgency for maximizing deductions
  • Churches launch special campaigns and capital projects

 

For churches, this seasonal increase provides crucial funding for ministry expansion and community outreach programs.

Strategic Approaches for Individual Donors

Smart donors can maximize their giving impact through careful planning and strategic timing. Key approaches include:

  • Bunching donations where you accelerate multiple years’ worth of giving into a single tax year to exceed the standard deduction threshold
  • Strategic timing to take advantage of bonus income or capital gains recognition
  • Asset evaluation to determine the most tax-efficient gifts to make

 

For example, if you typically give $8,000 annually, consider donating $16,000 this year and taking the standard deduction next year.

Donor-advised funds offer another powerful tool. These funds provide:

  • Immediate tax deduction when you contribute
  • Flexibility to recommend grants over multiple years
  • Investment growth potential for assets within the fund

For those with retirement accounts, qualified charitable distributions (QCDs) allow tax-free transfers of up to $100,000 annually if you’re over 70½.

Consider gifting appreciated assets directly to your church. This approach offers:

  • Capital gains tax avoidance on appreciated investments
  • Full fair market value deduction for the donated asset
  • Greater impact for both donor and church

 

Church Strategies for Maximizing Year-End Giving

Churches should begin preparing for year-end campaigns in October. Essential steps include:

  • Early communication about year-end opportunities
  • Compelling narratives around specific projects
  • Clear impact statements showing donation results

 

Develop multiple giving channels including traditional checks, online platforms, mobile payments, and cryptocurrency options. Make the giving process seamless to remove barriers.

Consider launching matching gift campaigns where major donors match contributions dollar-for-dollar. Effective campaigns feature clear communication, progress tracking, and urgency messaging.

Implement systematic donor stewardship with personalized thank-you notes, detailed giving statements, and impact stories. This builds relationships extending beyond year-end giving.

Managing Cash Flow and Banking Considerations

Year-end giving creates significant cash flow fluctuations. Partner with a financial institution offering:

  • Ministry-focused services that understand church operations
  • Remote deposit capture and online banking features
  • Flexible account structures for varying donation volumes

 

AGCU’s ministry banking services are specifically designed to help churches manage finances effectively during peak giving seasons.

Establish separate accounts for different donation types including general operations, capital campaigns, missions giving, and restricted funds. This organizational approach makes year-end reporting manageable and demonstrates accountability.

Set up automated systems for recurring donations and pledges, creating predictable cash flow while allowing additional year-end contributions. Work with your financial institution to understand processing timelines for year-end tax deductibility.

Tax Considerations and Documentation

Churches must provide proper acknowledgment letters for donations over $250, including statements that no goods or services were provided in exchange. For non-cash assets over $500, donors need Form 8283, and qualified appraisals are required for assets over $5,000.

Maintain detailed records including donor information, dates, amounts, and restrictions. Use donor management software to streamline record-keeping and generate tax documents efficiently.

Frequently Asked Questions

Q: When is the deadline for tax-deductible charitable contributions? A: Contributions must be postmarked by December 31st to be deductible for that tax year. For online donations, they must be processed by December 31st, not just initiated.

Q: Can donors deduct contributions made with credit cards? A: Yes, credit card donations are deductible on the date they’re charged to the card, even if the donor pays the credit card bill in the following year.

Q: What’s the maximum amount someone can deduct for charitable contributions? A: Generally, donors can deduct up to 60% of their adjusted gross income for cash contributions to qualified organizations like churches. Special rules apply for other types of donations.

Q: How should churches handle restricted donations? A: Churches must honor donor restrictions and maintain separate accounting for restricted funds. Clear policies and communication about fund usage help prevent misunderstandings.

Q: What documentation do donors need for tax purposes? A: For donations under $250, a bank record or receipt is sufficient. For larger donations, donors need a written acknowledgment from the church. Special rules apply for non-cash donations.

Q: Can churches provide tax advice to donors? A: Churches should avoid giving specific tax advice. Instead, encourage donors to consult with their tax advisors about their individual situations and optimal giving strategies.

Ready to Enhance Your Ministry’s Financial Management?

Year-end giving strategies require careful planning and the right financial partnership to execute successfully. AGCU understands the unique challenges churches face during peak giving seasons and throughout the year.

Our comprehensive ministry banking solutions include specialized checking and savings accounts, online banking tools, and personalized service from a team that understands your mission. Whether you’re managing regular tithes and offerings or coordinating a major capital campaign, AGCU provides the financial foundation your ministry needs to focus on what matters most.Contact AGCU today at 866-508-2428 or visit agcu.org/ministry to discover how our faith-based financial services can support your church’s year-end giving initiatives and ongoing ministry goals. Let us help you bank with purpose while making a lasting impact in your community.

Managing Ministry Finances During Holiday Outreach Programs

agcu2023 on October 29, 2025

The holiday season brings incredible opportunities for churches to serve their communities through expanded outreach programs, but it also presents unique financial management challenges. Between increased giving, special events, and community service initiatives, ministry leaders must navigate complex financial waters while maintaining their focus on serving others.

The Financial Reality of Holiday Ministry

Holiday outreach programs operate on timelines with fluctuating budgets. Key challenges include:

  • Seasonal donation patterns with most giving in December 
  • Front-loaded expenses for programs beginning in November 
  • Volunteer coordination with people unfamiliar with financial procedures 
  • Multiple funding streams from different donor groups

 

Successful holiday ministry requires different financial management than regular operations, dealing with temporary volunteers, designated donors, and community partnerships with varying fiscal requirements.

Building a Sustainable Holiday Budget Framework

Establish clear budget categories separating regular operations from holiday initiatives:

  • Community meals with food and volunteer coordination costs 
  • Gift programs including purchase and distribution expenses
  • Special events covering venue and promotional materials 
  • Additional staffing for seasonal coordination

 

Build flexibility with tiered program levels based on funding: basic, standard, enhanced, and stretch programs. This prevents overcommitment and allows appropriate scaling.

Consider expense timing versus income. Plan for cash flow gaps since program expenses occur in November while donations arrive in late December. Factor in hidden costs like additional utilities, insurance coverage, cleaning services, and administrative expenses that can add 15-20% to budgets.

Establishing Financial Controls for Temporary Programs

Holiday programs involve numerous volunteers unfamiliar with financial procedures. Establish:

  • Simplified procedures that are easy to follow 
  • Clear spending authority with specific dollar limits 
  • Two-person verification for all financial transactions 
  • Standardized forms for expenses and reimbursements

 

Set up separate accounts for different programs including community meals, gift distribution, and emergency assistance. AGCU’s ministry banking solutions provide tools for managing multiple funding streams with online banking and remote deposit capture during busy seasons.

Managing Donor Relations and Restricted Giving

Holiday seasons bring first-time donors and individuals giving specifically for outreach. Develop systems for proper gift acknowledgment while tracking preferences and restrictions. Be transparent about program costs and impact through cost breakdowns, impact stories, and quantitative reporting.

Establish policies for excess donations, considering donor preferences for rollover funds versus general ministry use. Consider creating year-round holiday outreach funds for predictable funding and reduced seasonal financial stress.

Technology and Administrative Solutions

Modern technology simplifies holiday program financial management through online giving platforms, automatic acknowledgments, mobile payments, and digital signatures. Use spreadsheets or church software to track expenses, volunteer hours, and participants for future planning and grant applications.

Set up automated systems for recurring payments, donation processing, and receipt generation to free up time for ministry. Consider partnering with other churches to share venue costs, marketing materials, and volunteer training expenses.

Post-Holiday Financial Review and Planning

After programs conclude, conduct thorough financial reviews including budget variance analysis, program ROI evaluation, and cost-per-participant calculations. Create detailed reports with financial summaries, program statistics, and success stories for donors and leadership.

Begin next year’s planning immediately with budget adjustments based on actual costs, volunteer feedback, and program modifications. Establish year-round funding strategies through monthly campaigns, special events, business partnerships, and grant applications to reduce seasonal financial pressure.

Frequently Asked Questions

Q: How should we handle cash donations at holiday events? A: Always use two-person teams for cash handling, provide immediate receipts, make frequent deposits, and maintain detailed logs of all cash received. Never allow one person to handle cash alone.

Q: Can we use general church funds for holiday outreach programs? A: Yes, unless your church has policies restricting such use. However, clearly communicate to donors how their regular giving supports special programs, and consider creating separate fundraising campaigns for outreach initiatives.

Q: What records should we keep for holiday program expenses? A: Maintain receipts for all purchases, signed authorization forms for expenses, volunteer hour logs, participant attendance records, and donor acknowledgment letters. These records are essential for financial reporting and tax purposes.

Q: How do we budget for programs when we don’t know how much we’ll receive in donations? A: Create tiered program levels with minimum, preferred, and expanded versions based on funding levels. This allows you to scale programs appropriately while ensuring you don’t overspend.

Q: Should we charge participants for holiday meals or events? A: This depends on your ministry philosophy and community needs. Some churches offer everything free while others charge nominal fees to help cover costs. Consider your target audience and program goals when making this decision.

Q: How can we reduce administrative burden during holiday programs? A: Use volunteers for non-financial tasks, implement simple approval processes, utilize technology for routine functions, and establish clear delegation procedures. Focus staff time on oversight rather than routine administration.

Strengthen Your Holiday Ministry Impact

Effective financial management during holiday outreach programs requires the right banking partner who understands the unique challenges churches face. AGCU provides specialized ministry financial services designed to support churches through their busiest seasons and throughout the year.

Our comprehensive ministry banking solutions help you manage increased donation volumes, process multiple funding streams, and maintain financial accountability during complex holiday programs. With features like remote deposit capture, online banking, and dedicated ministry support, AGCU makes it easier to focus on serving others rather than managing financial logistics.Ready to streamline your holiday program finances? Contact AGCU at 866-508-2428 or explore our ministry services at agcu.org/ministry to discover how faith-based banking can enhance your church’s community outreach efforts. Let us help you manage the financial details so you can concentrate on making a lasting difference in your community this holiday season.

Creating a Church Budget That Honors God and Serves Your Community

agcu2023 on October 29, 2025

A well-crafted church budget is more than a financial document, it’s a reflection of your congregation’s values, priorities, and commitment to faithful stewardship. Creating a budget that honors God while effectively serving your community requires careful planning, transparent communication, and a clear understanding of your ministry’s mission and goals.

Understanding Biblical Stewardship in Church Budgeting

Biblical stewardship forms the foundation of responsible church financial management. This principle recognizes that all resources belong to God, and churches serve as stewards entrusted with managing these gifts wisely. Your budget should reflect this understanding by:

  • Prioritizing ministries that align with your church’s biblical calling and mission
  • Ensuring transparency in all financial decisions and allocations
  • Planning for generosity through missions and community outreach funding
  • Maintaining fiscal responsibility to preserve resources for future ministry

 

When your budget reflects biblical principles, it becomes a tool for spiritual growth and community impact rather than just financial management.

Stewardship extends beyond managing money to encompass time, talents, and opportunities. Your budget should consider how financial decisions affect volunteer engagement, staff development, and community relationships. This holistic approach ensures that budgeting decisions support your church’s overall ministry effectiveness.

Essential Components of a Church Budget

Every effective church budget consists of four main categories that work together to support ministry operations and growth. Understanding these components helps ensure comprehensive planning that covers all aspects of church life.

1. Personnel 

Personnel expenses typically represent 45-65% of most church budgets and include:

  • Pastoral and staff salaries with appropriate benefits and professional development opportunities
  • Support staff compensation for administrative, maintenance, and childcare roles
  • Contract services for specialized needs like music direction or technical support
  • Benefits packages covering health insurance, retirement contributions, and continuing education

 

2. Facility and Operations 

Facility and operations costs maintain the physical foundation for ministry activities:

  • Building maintenance including repairs, cleaning, and safety inspections
  • Utilities such as electricity, heating, cooling, water, and internet services
  • Insurance coverage for property, liability, and worker protection
  • Capital improvements that enhance ministry effectiveness and community welcome

 

3. Ministry and Outreach Programs

Ministry and outreach programs fund the heart of your church’s mission:

  • Worship and music ministries with instruments, sound equipment, and special events
  • Educational programs covering children’s ministry, youth activities, and adult discipleship
  • Community outreach including service projects, food pantries, and relationship building
  • Missions support for both local partnerships and international ministry work

 

4. Administrative Operations

Administrative operations provide the organizational backbone that keeps everything running smoothly. These expenses cover office supplies, communication systems, financial management tools, and legal compliance requirements. AGCU’s ministry banking services can help streamline these administrative costs while providing specialized financial tools designed specifically for church operations.

 

The Budget Planning Process

Effective budget planning begins months before the fiscal year starts, typically involving multiple stakeholders and careful consideration of ministry priorities. Start by reviewing the previous year’s financial performance to identify trends, successful programs, and areas needing adjustment.

Engage ministry leaders in the planning process by asking each department to submit budget requests with detailed justifications. This collaborative approach ensures that:

  • Ministry needs are accurately represented in budget allocations
  • Department leaders feel ownership in the budgeting process
  • Resource allocation reflects actual ministry priorities and goals
  • Communication improves between leadership and ministry teams

 

Conduct a thorough assessment of your church’s financial capacity by analyzing giving patterns, membership trends, and economic factors affecting your congregation. Consider both optimistic and conservative scenarios to prepare for various financial outcomes.

Set realistic goals that balance ministry expansion with financial sustainability. While faith requires stepping out in trust, wisdom demands careful planning that doesn’t jeopardize the church’s long-term stability or ability to meet existing commitments.

Balancing Ministry Priorities with Financial Reality

One of the greatest challenges in church budgeting involves aligning ministry aspirations with available resources. This balance requires honest assessment of priorities and creative problem-solving to maximize ministry impact within financial constraints.

Create a tiered approach to budget planning with essential, important, and aspirational categories. Essential items include:

  • Core operational expenses like utilities, insurance, and basic staffing
  • Fundamental ministry programs that directly support your church’s primary mission
  • Legal and compliance requirements including payroll taxes and facility safety
  • Emergency reserves for unexpected expenses or income shortfalls

 

Essential items support ministry growth and community engagement but can be adjusted if necessary. Aspirational items represent opportunities for ministry expansion when additional resources become available.

Consider alternative funding strategies for ministry initiatives beyond the general budget. Special offerings, fundraising events, designated giving campaigns, and partnership opportunities can support specific projects without straining regular operations.

Regularly evaluate program effectiveness to ensure budget allocations produce meaningful ministry outcomes. Programs that consistently underperform or fail to align with your church’s mission may need modification or elimination to free resources for more effective initiatives.

Building Transparency and Accountability

Financial transparency builds trust and encourages greater congregational engagement in stewardship. Share budget information openly while maintaining appropriate confidentiality around personnel details. Effective transparency includes:

  • Annual budget presentations explaining major allocations and ministry priorities
  • Quarterly financial updates showing income, expenses, and budget variance
  • Ministry impact reports demonstrating how financial investments support church mission
  • Clear communication about special needs, challenges, and opportunities

 

Establish strong internal controls to protect church resources and maintain financial integrity. These controls should include multiple signature requirements for significant expenses, regular financial reviews by board members, and clear policies for expense authorization and reimbursement.

Consider having an annual independent financial review or audit, especially for larger churches or those receiving significant donations. This external validation provides additional accountability and can identify opportunities for improved financial management.

Create systems for regular budget monitoring and adjustment throughout the year. Monthly reviews allow for course corrections when income or expenses vary significantly from projections, preventing small issues from becoming major problems.

Technology and Tools for Budget Management

Modern church budget management benefits significantly from appropriate technology solutions. Church management software can integrate giving records, membership data, and financial tracking to provide comprehensive financial oversight.

Key technological features to consider include:

  • Automated giving tracking that categorizes donations and generates tax statements
  • Expense management tools for tracking purchases against budget categories
  • Financial reporting capabilities that produce clear statements for leadership review
  • Integration with banking services for streamlined account management and reconciliation

 

Online giving platforms expand donation opportunities while reducing administrative burden. These systems allow congregation members to give consistently through automatic transfers while providing churches with more predictable income streams.

Cloud-based solutions offer security, accessibility, and backup protection for financial data while enabling remote access for authorized personnel. This flexibility becomes especially valuable during times when traditional office access may be limited.

Planning for Unexpected Challenges

Every church budget should include contingency planning for unexpected situations that could significantly impact finances. Recent years have demonstrated the importance of financial flexibility in maintaining ministry operations during challenging circumstances.

Build emergency reserves equivalent to three to six months of operating expenses. This financial cushion provides stability during:

  • Economic downturns that may reduce congregational giving
  • Facility emergencies requiring immediate repair or replacement
  • Health crises that interrupt normal church operations and income
  • Leadership transitions that may temporarily affect giving patterns

 

Develop multiple scenarios for budget implementation based on different income levels. Having pre-planned adjustments helps leadership respond quickly to changing circumstances without compromising essential ministries.

Consider insurance coverage that protects against various risks including property damage, liability claims, and business interruption. While insurance represents an expense, it provides crucial protection for your church’s financial stability.

Frequently Asked Questions

Q: What percentage of the budget should go to staff salaries? 

A: Personnel costs typically range from 45-65% of church budgets, depending on church size and ministry model. Larger churches may have lower percentages due to economies of scale, while smaller churches often allocate higher percentages to essential staffing.

Q: How much should churches allocate for missions and outreach? 

A: Many churches aim for 10-20% of their budget for missions and outreach, though this varies based on church priorities and community needs. Some churches designate specific offerings for missions beyond the general budget.

Q: Should churches borrow money for facility improvements? 

A: Church borrowing can be appropriate for necessary facility improvements or expansion that supports ministry growth, but it should be carefully planned with realistic repayment schedules that don’t compromise other ministry areas.

Q: How often should church budgets be reviewed and updated?

 A: Churches should review budgets monthly and make adjustments quarterly as needed. Annual budget planning should begin 3-4 months before the fiscal year starts to allow adequate preparation time.

Q: What’s the best way to handle budget shortfalls? 

A: Address shortfalls through a combination of expense reduction, increased communication about giving, and possible use of reserves. Avoid borrowing for operational expenses when possible.

Q: How can small churches create effective budgets with limited resources? 

A: Small churches should focus on essential functions, consider shared resources with other churches, utilize volunteers effectively, and explore partnership opportunities to maximize ministry impact within budget constraints.

Partner with AGCU for Faithful Financial Stewardship

Creating and managing a church budget that honors God requires the right financial partnership to support your stewardship goals. AGCU understands the unique challenges churches face in balancing ministry priorities with fiscal responsibility.

Our ministry banking solutions provide the tools and support your church needs for effective budget management. From specialized checking accounts designed for ministry operations to online banking features that streamline financial oversight, AGCU helps churches focus on ministry while maintaining excellent financial stewardship.

Ready to enhance your church’s financial management? Contact AGCU at 866-508-2428 or explore our ministry services at agcu.org/ministry to discover how faith-based banking can support your church’s budgeting goals. Let us help you manage your resources faithfully so you can concentrate on the ministry work God has called you to do.

 

8 ways to help improve your credit score

Melanie Tarrant on October 16, 2025

Building a strong credit history takes time. That’s why it makes sense to adopt good credit habits even if you aren’t planning to apply for new loans in the near future.
To help improve your credit, make sure to pay your bills on time and try to only use a portion of the total credit available to you.
Following a budget, keeping an emergency savings, and avoiding taking on too much debt in the first place can make it easier to care for your credit.
Keeping up a solid credit history and good credit score is a bit like staying in shape—you have to work at it regularly to stay at the top of your game. If you wanted to run a marathon, you wouldn’t wait to start training until it was a month away. Similarly, you don’t want to neglect your credit until you’re about to apply for a major loan.

Pastor Appreciation Month Giveaway

Melanie Tarrant on September 30, 2025



No purchase necessary. Nominations are accepted through Friday of each week in October 2026. Entries submitted after the deadline will be considered for the following week’s drawing.

One pastor will be selected each week to receive a $100 Visa® gift card. Winners will be contacted directly by AGCU.

Nominees must currently serve as a pastor at a church.

Nominations may be shared in AGCU communications. By submitting a nomination, you grant AGCU permission to use submitted content (including pastor and church names, and nomination stories) in print and digital materials.

Gift cards are non-transferable and have no cash value.

AGCU reserves the right to modify or discontinue this promotion at any time.

Understanding Payment Processing: What Every Business Needs to Know

Melanie Tarrant on September 12, 2025

Understanding payment processing is essential for any modern business. From credit card transactions and debit card payments to mobile wallets, digital wallets, and online payment systems, every transaction flows through a secure network of payment gateways, processors, merchant accounts, and card networks. A strong payment processing solution ensures fast, secure transactions, reduces cart abandonment, improves cash flow, and builds customer trust. At AGCU, we help businesses navigate the complexities of merchant services, PCI DSS compliance, fraud prevention tools, tokenization, and real-time payment trends so they can serve customers with confidence. Whether you run an e-commerce store, small business, ministry, or nonprofit, having the right business payment processing solutions empowers you to accept more payments, protect sensitive data, and keep up with evolving consumer expectations.