Cheddar Up review

Cheddar Up is online payment collection and fundraising software for groups. It gives a group a shared page to collect dues, donations, event fees, ticket payments, sales, sign-ups, and other payments, with forms and waivers alongside the transaction. That makes it more than a payment link: groups can also gather responses, manage event RSVPs and check-in, and run item sales or peer-to-peer fundraisers.

The product also supports in-person card payments through mobile apps, card readers, or Tap on Mobile. Groups can track payments and form responses, download data, and transfer funds to a bank account. Pricing starts with a free plan; Pro is listed at $20 per month billed monthly or $15 per month billed annually. Team is $48 monthly or $35 per month billed annually. The core trade-off is straightforward: useful group-specific collection tools, with transaction fees that can matter on small budgets.

Cheddar Up combines payment collection with the information groups often need to collect at the same time. A single page can handle a payment and a sign-up, form response, or waiver, rather than splitting those tasks across separate tools. Its listed features also cover ticketing, waitlists, event check-in, fundraising goals, and peer-to-peer fundraising.

The plan limits are clear enough to match against a group’s needs:

• Free Forever: one user, unlimited pages, up to five items per page, and one form or sign-up per page.
• Pro: one user, unlimited items, forms, sign-ups, and waivers per page. The listed price is $20 monthly or $15 per month with annual billing.
• Team: unlimited managers, ticketing and waitlists, custom branding, and a group website. It costs $48 monthly or $35 per month annually.

A Reddit commenter says Cheddar Up helped with bookkeeping and lets them transfer funds when needed. Another says parents cover the card fees. Those are individual reports, but they point to a practical upside: groups can centralize collections without requiring every payer to use cash or checks.

The card fees are the clearest drawback, especially when each payment is small. The listed Free Forever fee is 3.95% plus $0.95 per card transaction. Pro and Team list 3.59% plus $0.59. Pro also lists eCheck at 1.59%, with a $1 minimum; Team lists eCheck at $0.95 per transaction. The free plan does not list eCheck among its included features, and one Reddit user says their free plan could not accept eChecks.

The free tier is also tightly capped for groups that need more than basic collection: one user, five items per page, and one form or sign-up per page. Pro still allows only one user, so multiple managers require Team. A Girl Scout troop commenter calls the platform clunky and says the fees feel high; other Reddit users report choosing to have parents cover them. Those comments are anecdotal, but they reflect the cost trade-off groups should check before switching. Partner is aimed at multi-tiered organizations, but its price is not published on the vendor's site.

Cheddar Up lists a free Basic plan, but it caps each page at five items and one form or sign-up. It charges 3.95% + $0.95 per card transaction. Pro costs $20 per month, or $15 per month billed annually. It raises the limits to unlimited items, forms, sign-ups and waivers, and lists card fees of 3.59% + $0.59; eCheck costs 1.59%, with a $1 minimum.

Team is the big jump: $48 monthly or $35 per month billed annually. It adds unlimited managers, ticketing, waitlists, custom branding and a group website. Its listed card fee matches Pro’s; eCheck is $0.95 per transaction. Partner pricing is not published, and the published pricing lists no add-ons. The published billing page details don’t specify cancellation terms or whether annual plans are paid upfront, so confirm those before switching. Compare transaction fees against your typical payment size, not just the subscription price.

Cheddar Up says users can download payment and response data, which may help with record-keeping when leaving. The published information does not say whether that export includes every field, attachment, payment detail or form response, or whether another platform can import it directly. Migration effort is therefore hard to price: plan to check what you can export and how your next system handles it before moving live collections.

The published material also doesn’t publish migration tools, account cancellation terms or support details. It includes no Reddit posts or comments, so we can’t responsibly report user-reported reasons for leaving. Potential friction is visible in the plan structure: Basic allows five items per page, while Pro and Team include unlimited items; Team is required for multiple managers. If you’re switching away, verify how you’ll preserve pages, waivers and event records. If you’re switching in, test your forms and payment workflow before directing a group to a new page.