Saying a word that is kind, and forgiving is better than charity that hurts. (Do not forget that) God is affluent and kind.
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Tafseer
'Abdullāh Ibn 'Abbās / Muḥammad al-Fīrūzabādī
تفسير : (a kind word) a good word for your brother, in his absence, by praying for him and praising him in front of other people, (with forgiveness) that overlooks any misdeed (is better) for him and you (than almsgiving followed by injury) than reminding him about your favour upon him which will hurt him. (allah is absolute) in his freedom from the need of such a person's charity, (clement) for he does not hasten the punishment of this person.
Jalāl al-Dīn al-Maḥallī
تفسير : honourable words, kind talk and a generous reply to the beggar, and forgiveness, towards him for his persistence, are better than a voluntary almsgiving followed by injury, through reproach and deriding him for his begging; and god is independent, of the voluntary almsgiving of his servants, forbearing, in his delaying the punishment of the reproachful and injurious one.