“It’s not just the limitation of dollars when you accept public financing, it’s the limitations that go with that spending,” said Tad Devine, a senior strategist for Senator John Kerry’s presidential campaign in 2004. Mr. Devine added that choosing to accept public financing was the Kerry campaign’s single biggest mistake because it limited the campaign’s resources.

The McCain campaign had by far its best fund-raising month ever in August, when it collected $47 million for its coffers and $22 million for the party, finishing the month with more than $100 million in the bank that will now be at the disposal of the R.N.C., according to several finance officials.

McCain fund-raisers said they also hope to raise an additional $100 million for the party in September and in October, taking advantage of the sizable contribution limits for the party. The party’s Internet fund-raising has also picked up significantly since the announcement that Ms. Palin would join the Republican ticket. Combined with the $84 million from public financing, that would leave the McCain campaign with about $300 million at its disposal.

A recent e-mail message to McCain fund-raisers unveiled new incentives to spur them in their final push. For the primary, anyone who raised $100,000 or more earned the title of Trailblazer, while those who raised $250,000 or more became Innovators. Now Trailblazers who raise another $100,000 for the party for the general election can become Super-Trailblazers, and Innovators who raise another $250,000 earn the title of Super-Innovators.

Officials have also sketched out plans for Ms. Palin to do some 35 fund-raisers over the next two months. Mr. McCain will be dispatched for only four major fund-raisers: one on Monday night in Chicago, in which the party raised about $4 million; another next week in Miami, then Los Angeles and New York in October, finance officials said.

But even if the McCain finance team, led by Lewis M. Eisenberg, a former Goldman Sachs executive, and Wayne L. Berman, a Washington lobbyist, meets its goals, the campaign will have complete control over only the $84 million from the federal government, as well as $19 million in party money that is permitted to be used in coordination with the campaign.

The Republican Party can spend unlimited amounts of its money independent of the McCain campaign. It can also split the costs of so-called hybrid advertisements with the campaign, commercials that must promote not only Mr. McCain but also other Republicans down the ticket, something media strategists said could be ineffective when trying to create a cohesive message. Nevertheless, McCain fund-raisers pointed out the pressure is now on the Obama campaign to raise far more than it ever has before.