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Devote is a cash-secured Visa you fund first. KleerCard Standard and Pro use a weekly charge line. Compare 2026 pricing, funds, and when to stay.
Churches and nonprofits comparing KleerCard vs Devote are usually asking one question: do we keep pre-funding a cash-secured card, or do we move to a weekly charge line that does not need a transfer before every swipe?
I co-founded KleerCard and serve as treasurer at my church. Pricing and product facts below come from each vendor's published pages as of September 2026. Both change. Confirm them before you apply.
| KleerCard | Devote | |
|---|---|---|
| What most teams buy | Visa Commercial card + expense software | Cash-secured Visa charge card inside a spend + treasury platform |
| How the card gets money | Paid plans: weekly credit line. Free: deposit in Wallet | Admin funds the Devote account first; cards spend that cash |
| Personal guarantee | Waived for a registered 501(c)(3) | No credit check or personal guarantee |
| Pricing (published) | Free; Standard $29/mo up to 15 users; Pro $49/mo up to 30 | Impact $179 / Catalyst $359 / Visionary $719 per month; annual saves 10% |
| Per-card fee | None inside the user tier | None |
| Restricted funds / grants | Fund tagging on the card; native church-ledger connections | Fund and grant buckets; restricted-fund tracking starts on Catalyst |
| Accounting | Aplos, ACS, Realm, Shelby, ParishSOFT, Blackbaud, PowerChurch, QuickBooks, NetSuite | QuickBooks Online plus other major tools; deeper tools on higher plans |
| Extra product | Cards and expense software | Free high-yield savings (up to $50M FDIC via sweep) and, on Catalyst+, Devote Donations |
| Cash back | Custom plans only, roughly $30k+/mo card spend | Devote Points on some plans; confirm the current program |
| Issuer (published) | The Bancorp Bank, N.A. | Celtic Bank for the Devote Visa Commercial Card |
On Devote, the card works up to the cash already sitting in the Devote account. You move money from the operating bank into Devote, split it into buckets, and issue cards against those buckets. Devote's card FAQ lists "you don't have enough funds" as a decline reason. Someone on staff has to keep that balance ahead of hospitality, a youth trip, or a grant draw.
On KleerCard Standard and Pro, the organization has a weekly credit line paid in full from the linked bank. You can still cap a hospitality card at $250, leave a card at $0 until a funding request is approved, lock a merchant category, or set a time window. Those limits live on the card. They do not require a prepaid KleerCard balance first.
KleerCard Free spends only what is already in the Wallet deposit account. If that deposit is short, the swipe does not go through. Devote's card works the same way: cash in first, then the swipe. Standard and Pro are the plans that spend against the weekly line.
A board that will not approve any credit line does not have to stay on Devote. KleerCard Free keeps spending against a Wallet deposit at $0 a month.
Devote Impact is $179 per month with unlimited cards. Catalyst is $359. Visionary is $719. Annual billing cuts those list prices by 10 percent. Confirm the live numbers on Devote pricing.
KleerCard Standard is $29 per month for up to 15 users and unlimited cards. Pro is $49 for up to 30. Free is $0 if the organization will pre-deposit. Confirm the live numbers on KleerCard pricing.
My church runs about 21 cards on a small paid staff. On Devote Impact that is $2,148 a year before the annual discount. On KleerCard Standard that it $348 per year. On KleerCard Pro it is $588 a year. For a small office, that is $1,560-$1,800 cheaper per year.
Price the Devote plan you would actually use. Restricted-fund and grant tracking is listed on Catalyst and Visionary, not on Impact. If those tools are the reason you are looking at Devote, budget $359 a month, not $179.
Devote tags spend to funds, programs, and grants from the swipe. Devote publishes QuickBooks Online as the main accounting sync, with additional tools on Catalyst and Visionary. Devote does not publish native connections to Aplos, Realm, Shelby, ACS, ParishSOFT, or Blackbaud.
KleerCard connects to Aplos, ACS Technologies, Realm, Shelby, ParishSOFT, Blackbaud, PowerChurch, QuickBooks Online and Desktop, and NetSuite. If the books already live in one of those church or school ledgers, a Devote export still has to land in that ledger.
KleerCard and Devote can both freeze a card, cap a merchant category, and set a time window. What matters at month-end is whether the charge shows up already coded in the ledger the office closes in.
Stay on Devote when you want the high-yield savings account, the donations tool, and a dedicated account executive in the same login as the cards.
Devote also fits if the books already live in QuickBooks Online.
Do not pick Devote only because the board wants cards to spend what has already been deposited. KleerCard Free does that with a Wallet deposit and no monthly platform fee.
Skip Devote when $179 a month is more than the office can put toward a card platform, or when charges need to land directly in Aplos, Realm, Shelby, ACS, or ParishSOFT.
Pick KleerCard Standard or Pro when volunteers and ministry leads need their own cards without moving money into a card account before the week starts, and when month-end has to land in Realm, Shelby, ParishSOFT, ACS, Aplos, or Blackbaud.
Pick KleerCard Free when the board will only approve spending against a deposit. Devote's card also spends a deposited balance. KleerCard Free does it at $0 a month. Devote Impact starts at $179.
KleerCard also fits when you want 10 to 20 cards to cost $29 or $49 a month instead of $179.
Skip KleerCard when you want Devote's savings account and donations tool in the same place as the cards. Wanting cards to spend only deposited money is not enough, by itself, to stay on Devote.
For the product evaluation of Devote itself, use the Devote Card review.
KleerCard Standard and Pro are a weekly Visa charge line, so cards work without pre-funding an account first. The Devote Card spends cash you already moved into Devote. KleerCard Free also requires a deposit before cards spend, so a board that only wants cards to spend deposited money can use Free instead of paying Devote $179 a month.
No. Devote's card page calls it a cash-secured Visa charge card connected to the Devote account. You spend organizational cash already moved onto that account.
KleerCard waives the personal guarantee for a registered 501(c)(3). See eligibility. Devote publishes no credit check and no personal guarantee on the card page. Confirm current underwriting on each application.
Devote is $179 a month on Impact, $359 on Catalyst, and $719 on Visionary. KleerCard is $0 on Free, $29 on Standard (up to 15 users), and $49 on Pro (up to 30). Price Catalyst if you need Devote's restricted-fund tools.
Yes. Every published Devote plan includes unlimited physical and virtual cards. KleerCard Standard and Pro include unlimited cards inside each plan's user limit. KleerCard Free also issues cards against the Wallet deposit.
Speak to a member of our team and we can have you up and running in minutes, not weeks.
