Cheddar Up vs Zeffy: Fees, Features and CRM Compared

Cheddar Up's free plan charges 3.95% + $0.95 per card payment (configurable, payer by default) and puts tax receipts and managers on Team at $35/month. Zeffy is one free plan, donor CRM included.

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Zeffy VS Cheddar Up

Zeffy VS Cheddar Up: What nonprofits should know before choosing.

Zeffy
Cheddar Up
Cheddar Up
<div class="comparetable"><div class="div-block-440"><div id="pricing" class="tablerow is-header"><div class="column1 is-header"><img loading="lazy" src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/68f8c44be5e84b3fa1ec188e_pricing.svg" alt=""/><div class="comparecategorytitle">Pricing</div></div><div class="column2 is-header"><div class="stack"><p class="rich-text_table is-header">$</p><p class="rich-text_table is-header big-text">0</p></div><div class="table_icon-text-content"><img loading="lazy" src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/688244e8c87679558de97ca0_check.svg" alt="Decorative" class="icon-1rem align-top"/><p class="rich-text_table is-header">Completely free. Always.<a href="https://www.zeffy.com/home/free-online-fundraising-platform" target="_blank" class="rich-text_table is-header">But how? →</a></p></div></div><div class="column3 is-header"><div class="rich-text_table is-header"><div class="stack"><p class="rich-text_table is-header big-text">3.95% + $0.95</p></div><div class="table_icon-text-content"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/688244e8c87679558de97ca0_check.svg" alt=""/><p class="rich-text_table is-header">per card payment on the free plan. Free and paid plans available. Everything below compares the free plan.</p></div></div></div></div><div class="tablerow is-white"><div class="column1 is-compare"><div class="left-column_text">Processing fees</div></div><div class="column2 is-compare is-green"><div class="stack"><p class="rich-text_table">$</p><p class="rich-text_table big-text">0</p></div><div class="table_icon-text-content"><img loading="lazy" src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/688244e8c87679558de97ca0_check.svg" alt="Decorative" class="icon-1rem align-top"/><p class="table_text">$0 in credit card and transaction fees. Zeffy covers these.<a href="https://www.zeffy.com/home/free-online-fundraising-platform" target="_blank" class="table_text">How? →</a></p></div></div><div class="column3 is-compare"><div class="rich-text_table w-richtext" style="width:100%"><p class="rich-text_table big-text">3.95% + $0.95</p><div class="table_icon-text-content" style="justify-content:flex-start;text-align:left;width:100%"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/68f88305e139b495704e4273_Close.svg" alt=""/><p class="table_text">Per card payment on Free, 3.59% + $0.59 on paid plans. Who pays is configurable, and payers cover it by default.</p></div></div></div></div><div class="tablerow is-white"><div class="column1 is-compare"><div class="left-column_text">Platform fees</div></div><div class="column2 is-compare is-green"><div class="stack"><p class="rich-text_table">$</p><p class="rich-text_table big-text">0</p></div><div class="table_icon-text-content"><img loading="lazy" src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/688244e8c87679558de97ca0_check.svg" alt="Decorative" class="icon-1rem align-top"/><p class="table_text">Zeffy never takes a cut. You keep 100% of every donation.</p></div></div><div class="column3 is-compare"><div class="rich-text_table w-richtext" style="width:100%"><p class="rich-text_table big-text">$0</p><div class="table_icon-text-content" style="justify-content:flex-start;text-align:left;width:100%"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/688244e8c87679558de97ca0_check.svg" alt=""/><p class="table_text">No separate platform fee.</p></div></div></div></div><div class="tablerow is-white"><div class="column1 is-compare"><div class="left-column_text">Monthly fees</div></div><div class="column2 is-compare is-green"><div class="stack"><p class="rich-text_table">$</p><p class="rich-text_table big-text">0/month</p></div><div class="table_icon-text-content"><img loading="lazy" src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/688244e8c87679558de97ca0_check.svg" alt="Decorative" class="icon-1rem align-top"/><p class="table_text">No subscriptions, no paywalls. Every org, big or small, gets full access for free.</p></div></div><div class="column3 is-compare"><div class="rich-text_table w-richtext" style="width:100%"><p class="rich-text_table big-text">From $0</p><div class="table_icon-text-content" style="justify-content:flex-start;text-align:left;width:100%"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/6847fc3744e2f936942fe4bf_warning-icon.svg" alt="" width="16" height="16"/><p class="table_text">Free Forever at $0. Pro is $15/month billed annually or $20 monthly. Team is $35 or $48. Partner is custom-priced.</p></div></div></div></div><div class="tablerow is-white"><div class="column1 is-compare"><div class="left-column_text">Other fees</div></div><div class="column2 is-compare is-green"><div class="stack"><p class="rich-text_table">$</p><p class="rich-text_table big-text">0</p></div><div class="table_icon-text-content"><img loading="lazy" src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/688244e8c87679558de97ca0_check.svg" alt="Decorative" class="icon-1rem align-top"/><p class="table_text">We've never charged a single cent to nonprofits and we never will.</p></div></div><div class="column3 is-compare"><div class="rich-text_table w-richtext" style="width:100%"><p class="rich-text_table big-text">1.95%</p><div class="table_icon-text-content" style="justify-content:flex-start;text-align:left;width:100%"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/68f88305e139b495704e4273_Close.svg" alt=""/><p class="table_text">Instant bank withdrawal costs 1.95% (minimum $1). Standard withdrawals are free.</p></div></div></div></div><div class="tablerow is-white"><div class="column1 is-compare"><div class="left-column_text"><strong>What it means</strong></div></div><div class="column2 is-compare is-green"><p class="table_text"><strong>Zeffy has one plan and it costs $0: no fee on a card payment for the nonprofit or the payer, no tier to move up to, free payouts.</strong></p></div><div class="column3 is-compare"><p class="table_text"><strong>Cheddar Up's free plan has no platform fee. Its 3.95% + $0.95 card fee is configurable and paid by the payer by default.</strong></p></div></div><div class="tablerow endrow"><div class="column1 is-compare"><div class="left-column_text">Sources</div></div><div class="column2 is-compare is-green"><p class="table_text" style="font-size:12px;line-height:1.5;opacity:0.75"><a href="https://www.zeffy.com/home/free-online-fundraising-platform" target="_blank" rel="noopener" style="display:inline;color:inherit;text-decoration:underline">How Zeffy is free</a></p></div><div class="column3 is-compare"><p class="table_text" style="font-size:12px;line-height:1.5;opacity:0.75"><a href="https://www.cheddarup.com/pricing/" target="_blank" rel="noopener" style="display:inline;color:inherit;text-decoration:underline">Pricing</a></p></div></div></div></div>
<div class="comparetable"><div class="div-block-440"><div id="features" class="tablerow is-header"><div class="column1 is-header"><img loading="lazy" src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/68f8d5b26894c6e329782874_Features.svg" alt=""><div class="comparecategorytitle">All-in-one fundraising</div></div><div class="column2 is-header"><div class="stack"><p class="rich-text_table is-header big-text">4.8/5</p></div><div class="table_icon-text-content"><img loading="lazy" src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/688244e8c87679558de97ca0_check.svg" alt="Decorative" class="icon-1rem align-top"><p class="rich-text_table is-header">Ease of use on Capterra. Donations, tickets, auctions, a store and memberships in one free plan.</p></div></div><div class="column3 is-header"><div class="rich-text_table is-header"><div class="stack"><p class="rich-text_table is-header big-text">4.9/5</p></div><div class="table_icon-text-content"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/688244e8c87679558de97ca0_check.svg" alt=""/><p class="rich-text_table is-header">Ease of use on Capterra. A free plan and three paid tiers; receipts, managers and the group website sit on Team.</p></div></div></div></div><div class="tablerow is-white"><div class="column1 is-compare"><div class="left-column_text">Donations</div></div><div class="column2 is-compare is-green"><div class="table_icon-text-content" style="width:100%"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/686433f81dd99f7d4de5259b_Check.svg" alt=""><p class="table_text">One-time or recurring gifts, pledges and a choice of fund, with no fee taken from any gift.</p></div></div><div class="column3 is-compare"><div class="table_icon-text-content" style="justify-content:flex-start;text-align:left;width:100%"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/688244e8c87679558de97ca0_check.svg" alt=""/><p class="table_text">Donation pages with one-time and recurring giving, preset amounts, tiered levels and goal markers.</p></div></div></div><div class="tablerow is-white"><div class="column1 is-compare"><div class="left-column_text">Peer-to-peer</div></div><div class="column2 is-compare is-green"><div class="table_icon-text-content" style="width:100%"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/686433f81dd99f7d4de5259b_Check.svg" alt=""><p class="table_text">Supporters run their own pages, alone or in teams, and each new donor becomes your contact.</p></div></div><div class="column3 is-compare"><div class="table_icon-text-content" style="justify-content:flex-start;text-align:left;width:100%"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/688244e8c87679558de97ca0_check.svg" alt=""/><p class="table_text">Available on every plan, free included.</p></div></div></div><div class="tablerow is-white"><div class="column1 is-compare"><div class="left-column_text">Ticketing</div></div><div class="column2 is-compare is-green"><div class="table_icon-text-content" style="width:100%"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/686433f81dd99f7d4de5259b_Check.svg" alt=""><p class="table_text">Ticket types, e-tickets with QR codes and check-in from the app, with no per-ticket fee.</p></div></div><div class="column3 is-compare"><div class="table_icon-text-content" style="justify-content:flex-start;text-align:left;width:100%"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/688244e8c87679558de97ca0_check.svg" alt=""/><p class="table_text">QR code ticketing and ticket scanning with the mobile app require Team at $35/month. POS event codes are on every plan.</p></div></div></div><div class="tablerow is-white"><div class="column1 is-compare"><div class="left-column_text">Tax-deductible receipts</div></div><div class="column2 is-compare is-green"><div class="table_icon-text-content" style="width:100%"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/686433f81dd99f7d4de5259b_Check.svg" alt=""><p class="table_text">A tax receipt goes out with each gift, and every donor gets a yearly recap.</p></div></div><div class="column3 is-compare"><div class="table_icon-text-content" style="justify-content:flex-start;text-align:left;width:100%"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/6847fc3744e2f936942fe4bf_warning-icon.svg" alt="" width="16" height="16"/><p class="table_text">Require the Team plan at $35/month. Not on Free or Pro.</p></div></div></div><div class="tablerow is-white"><div class="column1 is-compare"><div class="left-column_text">Memberships</div></div><div class="column2 is-compare is-green"><div class="table_icon-text-content" style="width:100%"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/686433f81dd99f7d4de5259b_Check.svg" alt=""><p class="table_text">Member tiers that renew on their own, with digital cards for Apple and Google Wallet.</p></div></div><div class="column3 is-compare"><div class="table_icon-text-content" style="justify-content:flex-start;text-align:left;width:100%"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/688244e8c87679558de97ca0_check.svg" alt=""/><p class="table_text">Offers memberships, with membership dues collected online.</p></div></div></div><div class="tablerow is-white"><div class="column1 is-compare"><div class="left-column_text">Online store</div></div><div class="column2 is-compare is-green"><div class="table_icon-text-content" style="width:100%"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/686433f81dd99f7d4de5259b_Check.svg" alt=""><p class="table_text">Merch with sizes, colors and stock counts, for pick-up or shipping.</p></div></div><div class="column3 is-compare"><div class="table_icon-text-content" style="justify-content:flex-start;text-align:left;width:100%"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/6847fc3744e2f936942fe4bf_warning-icon.svg" alt="" width="16" height="16"/><p class="table_text">Point of sale and inventory tracking on every plan. Shipping, taxes, discount codes and item variations start on Pro.</p></div></div></div><div class="tablerow is-white"><div class="column1 is-compare"><div class="left-column_text">Auctions</div></div><div class="column2 is-compare is-green"><div class="table_icon-text-content" style="width:100%"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/686433f81dd99f7d4de5259b_Check.svg" alt=""><p class="table_text">Silent auctions that close on a timer, bid from any phone.</p></div></div><div class="column3 is-compare"><div class="table_icon-text-content" style="justify-content:flex-start;text-align:left;width:100%"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/68f88305e139b495704e4273_Close.svg" alt=""/><p class="table_text">Not listed among Cheddar Up's published features.</p></div></div></div><div class="tablerow is-white"><div class="column1 is-compare"><div class="left-column_text">Raffles</div></div><div class="column2 is-compare is-green"><div class="table_icon-text-content" style="width:100%"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/686433f81dd99f7d4de5259b_Check.svg" alt=""><p class="table_text">Where state rules allow: numbered e-tickets and bundles. Sweepstakes in every US state.</p></div></div><div class="column3 is-compare"><div class="table_icon-text-content" style="justify-content:flex-start;text-align:left;width:100%"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/68f88305e139b495704e4273_Close.svg" alt=""/><p class="table_text">Not listed among Cheddar Up's published features.</p></div></div></div><div class="tablerow is-white"><div class="column1 is-compare"><div class="left-column_text">Organization page</div></div><div class="column2 is-compare is-green"><div class="table_icon-text-content" style="width:100%"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/686433f81dd99f7d4de5259b_Check.svg" alt=""><p class="table_text">A free page that gathers every campaign, event and store under one link.</p></div></div><div class="column3 is-compare"><div class="table_icon-text-content" style="justify-content:flex-start;text-align:left;width:100%"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/6847fc3744e2f936942fe4bf_warning-icon.svg" alt="" width="16" height="16"/><p class="table_text">The branded group website requires Team at $35/month.</p></div></div></div><div class="tablerow is-white"><div class="column1 is-compare"><div class="left-column_text">Page and form limits</div></div><div class="column2 is-compare is-green"><div class="table_icon-text-content" style="width:100%"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/686433f81dd99f7d4de5259b_Check.svg" alt=""><p class="table_text">Build as many forms as you need on the same free plan.</p></div></div><div class="column3 is-compare"><div class="table_icon-text-content" style="justify-content:flex-start;text-align:left;width:100%"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/688244e8c87679558de97ca0_check.svg" alt=""/><p class="table_text">No cap on pages or payments, but each free page holds up to 5 items and 1 form or sign up.</p></div></div></div><div class="tablerow is-white"><div class="column1 is-compare"><div class="left-column_text">Team access</div></div><div class="column2 is-compare is-green"><div class="table_icon-text-content" style="width:100%"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/686433f81dd99f7d4de5259b_Check.svg" alt=""><p class="table_text">Invite the people who help you and choose what each one can manage, at no cost.</p></div></div><div class="column3 is-compare"><div class="table_icon-text-content" style="justify-content:flex-start;text-align:left;width:100%"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/6847fc3744e2f936942fe4bf_warning-icon.svg" alt="" width="16" height="16"/><p class="table_text">Account owner only on Free and Pro. Multiple managers and permissions require Team at $35/month.</p></div></div></div><div class="tablerow is-white"><div class="column1 is-compare"><div class="left-column_text"><strong>What it means</strong></div></div><div class="column2 is-compare is-green"><p class="table_text"><strong>One free plan for donations, monthly giving, peer-to-peer, tickets, auctions, raffles, a store and memberships, with tax receipts and a full donor CRM built in.</strong></p></div><div class="column3 is-compare"><p class="table_text"><strong>Cheddar Up's free plan covers donations, recurring and peer-to-peer. Tax receipts, managers and the group website need Team at $35/month.</strong></p></div></div><div class="tablerow endrow"><div class="column1 is-compare"><div class="left-column_text">Sources</div></div><div class="column2 is-compare is-green"><p class="table_text" style="font-size:12px;line-height:1.5;opacity:0.75"><a href="https://www.zeffy.com/home/online-donation-platform-nonprofits" target="_blank" rel="noopener" style="display:inline;color:inherit;text-decoration:underline">Donations</a> · <a href="https://www.zeffy.com/home/product-peer-to-peer-campaign" target="_blank" rel="noopener" style="display:inline;color:inherit;text-decoration:underline">Peer-to-peer</a> · <a href="https://www.zeffy.com/home/ticketing-system-fundraising-events" target="_blank" rel="noopener" style="display:inline;color:inherit;text-decoration:underline">Ticketing</a> · <a href="https://www.zeffy.com/home/membership-application-form-nonprofits-associations" target="_blank" rel="noopener" style="display:inline;color:inherit;text-decoration:underline">Memberships</a> · <a href="https://www.zeffy.com/home/online-store-for-nonprofits" target="_blank" rel="noopener" style="display:inline;color:inherit;text-decoration:underline">Store</a> · <a href="https://www.zeffy.com/home/auction" target="_blank" rel="noopener" style="display:inline;color:inherit;text-decoration:underline">Auctions</a> · <a href="https://www.zeffy.com/home/online-raffle-nonprofit" target="_blank" rel="noopener" style="display:inline;color:inherit;text-decoration:underline">Raffles</a> · <a href="https://www.capterra.com/p/220131/Zeffy/reviews/" target="_blank" rel="noopener" style="display:inline;color:inherit;text-decoration:underline">Capterra</a></p></div><div class="column3 is-compare"><p class="table_text" style="font-size:12px;line-height:1.5;opacity:0.75"><a href="https://www.cheddarup.com/pricing/" target="_blank" rel="noopener" style="display:inline;color:inherit;text-decoration:underline">Pricing</a> · <a href="https://www.cheddarup.com/features/" target="_blank" rel="noopener" style="display:inline;color:inherit;text-decoration:underline">Features</a> · <a href="https://www.capterra.com/p/276323/Cheddar-Up/reviews/" target="_blank" rel="noopener" style="display:inline;color:inherit;text-decoration:underline">Capterra</a></p></div></div></div></div>
<div class="comparetable"><div class="div-block-440"><div id="crm" class="tablerow is-header"><div class="column1 is-header"><img loading="lazy" src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/68f8c44be5e84b3fa1ec188e_email.svg" alt=""><div class="comparecategorytitle">Donor CRM</div></div><div class="column2 is-header"><div class="table_icon-text-content"><img loading="lazy" src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/688244e8c87679558de97ca0_check.svg" alt="Decorative" class="icon-1rem align-top"><p class="rich-text_table is-header">A full donor CRM, built in: every donation, ticket and membership lands on one supporter record.</p></div></div><div class="column3 is-header"><div class="table_icon-text-content"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/68f88305e139b495704e4273_Close.svg" alt=""/><p class="rich-text_table is-header">Payment tracking, an address book and Message Center. A donor CRM is not listed among its published features.</p></div></div></div><div class="tablerow is-white"><div class="column1 is-compare"><div class="left-column_text">Donor records</div></div><div class="column2 is-compare is-green"><div class="table_icon-text-content" style="width:100%"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/686433f81dd99f7d4de5259b_Check.svg" alt=""><p class="table_text">Every gift, ticket and membership adds to the donor's record, with lifetime giving and last gift.</p></div></div><div class="column3 is-compare"><div class="table_icon-text-content" style="justify-content:flex-start;text-align:left;width:100%"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/68f88305e139b495704e4273_Close.svg" alt=""/><p class="table_text">Payment and submission tracking plus an address book. Donor profiles and giving history are not listed among Cheddar Up's published features.</p></div></div></div><div class="tablerow is-white"><div class="column1 is-compare"><div class="left-column_text">Segments &amp; lists</div></div><div class="column2 is-compare is-green"><div class="table_icon-text-content" style="width:100%"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/686433f81dd99f7d4de5259b_Check.svg" alt=""><p class="table_text">Filter on giving, campaign or a custom property, and save it as a list that keeps itself current.</p></div></div><div class="column3 is-compare"><div class="table_icon-text-content" style="justify-content:flex-start;text-align:left;width:100%"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/68f88305e139b495704e4273_Close.svg" alt=""/><p class="table_text">Segmentation is not listed among Cheddar Up's published features.</p></div></div></div><div class="tablerow is-white"><div class="column1 is-compare"><div class="left-column_text">Emails</div></div><div class="column2 is-compare is-green"><div class="table_icon-text-content" style="width:100%"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/686433f81dd99f7d4de5259b_Check.svg" alt=""><p class="table_text">Newsletters from a drag-and-drop builder, sent to saved lists, with opens, clicks and gifts tracked.</p></div></div><div class="column3 is-compare"><div class="table_icon-text-content" style="justify-content:flex-start;text-align:left;width:100%"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/688244e8c87679558de97ca0_check.svg" alt=""/><p class="table_text">Message Center sends one-time messages, invites and reminders to saved contact lists, on every plan. Built for collection updates.</p></div></div></div><div class="tablerow is-white"><div class="column1 is-compare"><div class="left-column_text">Reporting</div></div><div class="column2 is-compare is-green"><div class="table_icon-text-content" style="width:100%"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/686433f81dd99f7d4de5259b_Check.svg" alt=""><p class="table_text">Live dashboards, and the AI Data Assistant answers questions about your data in plain words.</p></div></div><div class="column3 is-compare"><div class="table_icon-text-content" style="justify-content:flex-start;text-align:left;width:100%"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/688244e8c87679558de97ca0_check.svg" alt=""/><p class="table_text">Payment and response reports with Excel and PDF export on every plan. Account-wide and reconciliation reports need Team.</p></div></div></div><div class="tablerow is-white"><div class="column1 is-compare"><div class="left-column_text">Integrations</div></div><div class="column2 is-compare is-green"><div class="table_icon-text-content" style="width:100%"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/686433f81dd99f7d4de5259b_Check.svg" alt=""><p class="table_text">QuickBooks sync, a Zapier app, viaSocket and a public API, all free.</p></div></div><div class="column3 is-compare"><div class="table_icon-text-content" style="justify-content:flex-start;text-align:left;width:100%"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/6847fc3744e2f936942fe4bf_warning-icon.svg" alt="" width="16" height="16"/><p class="table_text">Mailchimp, Salesforce, HubSpot, QuickBooks, Xero and Google Sheets run through Zapier, and the API key they need is on Team at $35/month.</p></div></div></div><div class="tablerow is-white"><div class="column1 is-compare"><div class="left-column_text"><strong>What it means</strong></div></div><div class="column2 is-compare is-green"><p class="table_text"><strong>Zeffy is a full donor CRM: every donation, ticket and membership writes into a record you can filter, segment and email, so your group knows who gives, free.</strong></p></div><div class="column3 is-compare"><p class="table_text"><strong>Cheddar Up tracks payments and messages payers on every plan. Donor profiles are not listed, and other tools connect through Zapier on Team.</strong></p></div></div><div class="tablerow endrow"><div class="column1 is-compare"><div class="left-column_text">Sources</div></div><div class="column2 is-compare is-green"><p class="table_text" style="font-size:12px;line-height:1.5;opacity:0.75"><a href="https://www.zeffy.com/home/donor-management" target="_blank" rel="noopener" style="display:inline;color:inherit;text-decoration:underline">Donor CRM</a> · <a href="https://www.zeffy.com/home/newsletter-emailing" target="_blank" rel="noopener" style="display:inline;color:inherit;text-decoration:underline">Emails</a></p></div><div class="column3 is-compare"><p class="table_text" style="font-size:12px;line-height:1.5;opacity:0.75"><a href="https://www.cheddarup.com/features/" target="_blank" rel="noopener" style="display:inline;color:inherit;text-decoration:underline">Features</a> · <a href="https://www.cheddarup.com/group-communication/" target="_blank" rel="noopener" style="display:inline;color:inherit;text-decoration:underline">Group communication</a> · <a href="https://www.cheddarup.com/integrations/" target="_blank" rel="noopener" style="display:inline;color:inherit;text-decoration:underline">Integrations</a> · <a href="https://www.cheddarup.com/pricing/" target="_blank" rel="noopener" style="display:inline;color:inherit;text-decoration:underline">Pricing</a></p></div></div></div></div>
<div class="comparetable"><div class="div-block-440"><div id="payments" class="tablerow is-header"><div class="column1 is-header"><img loading="lazy" src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/68f8de3026f5d3875f3329a3_BigIcons.svg" alt=""><div class="comparecategorytitle">Payment Methods</div></div><div class="column2 is-header"><div class="table_icon-text-content"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/686433f81dd99f7d4de5259b_Check.svg" alt=""><p class="rich-text_table is-header">Cards, Apple Pay, Google Pay, ACH and Tap to Pay. Zeffy covers the processing.</p></div></div><div class="column3 is-header"><div class="table_icon-text-content"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/688244e8c87679558de97ca0_check.svg" alt=""/><p class="rich-text_table is-header">Cards, wallets, cash and in-person on the free plan. eCheck starts on Pro.</p></div></div></div><div class="tablerow is-white"><div class="column1 is-compare"><div class="left-column_text">Credit and debit cards</div></div><div class="column2 is-compare is-green"><div class="table_icon-text-content" style="width:100%"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/686433f81dd99f7d4de5259b_Check.svg" alt=""><p class="table_text">Zeffy covers card processing. The payer sees only an optional contribution to Zeffy.</p></div></div><div class="column3 is-compare"><div class="table_icon-text-content" style="justify-content:flex-start;text-align:left;width:100%"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/688244e8c87679558de97ca0_check.svg" alt=""/><p class="table_text">3.95% + $0.95 per transaction on Free, 3.59% + $0.59 on Pro, Team and Partner. Who pays the fee is configurable, and payers cover it by default.</p></div></div></div><div class="tablerow is-white"><div class="column1 is-compare"><div class="left-column_text">Apple Pay &amp; Google Pay</div></div><div class="column2 is-compare is-green"><div class="table_icon-text-content" style="width:100%"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/686433f81dd99f7d4de5259b_Check.svg" alt=""><p class="table_text">On donation, ticket and store checkouts, with nothing deducted.</p></div></div><div class="column3 is-compare"><div class="table_icon-text-content" style="justify-content:flex-start;text-align:left;width:100%"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/688244e8c87679558de97ca0_check.svg" alt=""/><p class="table_text">Apple Pay, Google Pay and Link, charged at the card rate.</p></div></div></div><div class="tablerow is-white"><div class="column1 is-compare"><div class="left-column_text">ACH / eCheck</div></div><div class="column2 is-compare is-green"><div class="table_icon-text-content" style="width:100%"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/686433f81dd99f7d4de5259b_Check.svg" alt=""><p class="table_text">ACH for US donors, with no fee.</p></div></div><div class="column3 is-compare"><div class="table_icon-text-content" style="justify-content:flex-start;text-align:left;width:100%"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/6847fc3744e2f936942fe4bf_warning-icon.svg" alt="" width="16" height="16"/><p class="table_text">Not available on the free plan. Pro adds eCheck at 1.59% (minimum $1); Team and Partner at a flat $0.95.</p></div></div></div><div class="tablerow is-white"><div class="column1 is-compare"><div class="left-column_text">Donor-advised funds</div></div><div class="column2 is-compare is-green"><div class="table_icon-text-content" style="width:100%"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/686433f81dd99f7d4de5259b_Check.svg" alt=""><p class="table_text">On donation and peer-to-peer forms, fee-free.</p></div></div><div class="column3 is-compare"><div class="table_icon-text-content" style="justify-content:flex-start;text-align:left;width:100%"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/68f88305e139b495704e4273_Close.svg" alt=""/><p class="table_text">Not among the payment methods Cheddar Up lists: card, Apple Pay, Google Pay, Link, cash or check, eCheck.</p></div></div></div><div class="tablerow is-white"><div class="column1 is-compare"><div class="left-column_text">Cash and check</div></div><div class="column2 is-compare is-green"><div class="table_icon-text-content" style="width:100%"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/686433f81dd99f7d4de5259b_Check.svg" alt=""><p class="table_text">Log cash and checks against a campaign, with a receipt for the donor.</p></div></div><div class="column3 is-compare"><div class="table_icon-text-content" style="justify-content:flex-start;text-align:left;width:100%"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/688244e8c87679558de97ca0_check.svg" alt=""/><p class="table_text">Free to record and track on every plan.</p></div></div></div><div class="tablerow is-white"><div class="column1 is-compare"><div class="left-column_text">In person</div></div><div class="column2 is-compare is-green"><div class="table_icon-text-content" style="width:100%"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/686433f81dd99f7d4de5259b_Check.svg" alt=""><p class="table_text">Tap to Pay turns an iPhone or Android into a terminal. No reader to buy, nothing deducted.</p></div></div><div class="column3 is-compare"><div class="table_icon-text-content" style="justify-content:flex-start;text-align:left;width:100%"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/688244e8c87679558de97ca0_check.svg" alt=""/><p class="table_text">Tap on Mobile on every plan, no hardware required. Optional Bluetooth reader for swipe and chip. Card fees apply.</p></div></div></div><div class="tablerow is-white"><div class="column1 is-compare"><div class="left-column_text">Payouts</div></div><div class="column2 is-compare is-green"><div class="table_icon-text-content" style="width:100%"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/686433f81dd99f7d4de5259b_Check.svg" alt=""><p class="table_text">Deposited to your bank automatically each Monday or each month, free.</p></div></div><div class="column3 is-compare"><div class="table_icon-text-content" style="justify-content:flex-start;text-align:left;width:100%"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/688244e8c87679558de97ca0_check.svg" alt=""/><p class="table_text">Standard bank transfers free. Instant transfer costs 1.95% (minimum $1).</p></div></div></div><div class="tablerow is-white"><div class="column1 is-compare"><div class="left-column_text"><strong>What it means</strong></div></div><div class="column2 is-compare is-green"><p class="table_text"><strong>Zeffy covers processing on every card, wallet and ACH payment, so neither your nonprofit nor the payer has a card fee to plan around.</strong></p></div><div class="column3 is-compare"><p class="table_text"><strong>Cheddar Up takes cards, wallets, cash and Tap on Mobile on its free plan, with a configurable card fee the payer covers by default.</strong></p></div></div><div class="tablerow endrow"><div class="column1 is-compare"><div class="left-column_text">Sources</div></div><div class="column2 is-compare is-green"><p class="table_text" style="font-size:12px;line-height:1.5;opacity:0.75"><a href="https://www.zeffy.com/feature/payment-processing" target="_blank" rel="noopener" style="display:inline;color:inherit;text-decoration:underline">Payment processing</a> · <a href="https://www.zeffy.com/home/tap-to-pay" target="_blank" rel="noopener" style="display:inline;color:inherit;text-decoration:underline">Tap to Pay</a></p></div><div class="column3 is-compare"><p class="table_text" style="font-size:12px;line-height:1.5;opacity:0.75"><a href="https://www.cheddarup.com/pricing/" target="_blank" rel="noopener" style="display:inline;color:inherit;text-decoration:underline">Pricing</a> · <a href="https://www.cheddarup.com/point-of-sale/" target="_blank" rel="noopener" style="display:inline;color:inherit;text-decoration:underline">Point of sale</a></p></div></div></div></div>
<div class="comparetable"><div class="div-block-440"><div id="support" class="tablerow is-header"><div class="column1 is-header"><img loading="lazy" src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/68f8c44be5e84b3fa1ec188e_support.svg" alt=""><div class="comparecategorytitle">Support</div></div><div class="column2 is-header"><div class="table_icon-text-content"><img loading="lazy" src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/688244e8c87679558de97ca0_check.svg" alt="Decorative" class="icon-1rem align-top"><p class="rich-text_table is-header">Free help by chat and email for every organization, and a call when you ask for one.</p></div></div><div class="column3 is-header"><div class="table_icon-text-content"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/688244e8c87679558de97ca0_check.svg" alt=""/><p class="rich-text_table is-header">Priority support 7 days a week, live chat and live learning sessions on every plan.</p></div></div></div><div class="tablerow is-white"><div class="column1 is-compare"><div class="left-column_text">Support channels</div></div><div class="column2 is-compare is-green"><div class="table_icon-text-content" style="width:100%"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/686433f81dd99f7d4de5259b_Check.svg" alt=""><p class="table_text">Email answered within 2 to 6 business hours, weekdays 9 to 5 EST. No phone line: a call is set up on request.</p></div></div><div class="column3 is-compare"><div class="table_icon-text-content" style="justify-content:flex-start;text-align:left;width:100%"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/688244e8c87679558de97ca0_check.svg" alt=""/><p class="table_text">Priority support 7 days a week, on every plan.</p></div></div></div><div class="tablerow is-white"><div class="column1 is-compare"><div class="left-column_text">Chat support</div></div><div class="column2 is-compare is-green"><div class="table_icon-text-content" style="width:100%"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/686433f81dd99f7d4de5259b_Check.svg" alt=""><p class="table_text">An AI assistant answers first and brings in a person when needed.</p></div></div><div class="column3 is-compare"><div class="table_icon-text-content" style="justify-content:flex-start;text-align:left;width:100%"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/688244e8c87679558de97ca0_check.svg" alt=""/><p class="table_text">Available on every plan, free included.</p></div></div></div><div class="tablerow is-white"><div class="column1 is-compare"><div class="left-column_text">Training and onboarding</div></div><div class="column2 is-compare is-green"><div class="table_icon-text-content" style="width:100%"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/686433f81dd99f7d4de5259b_Check.svg" alt=""><p class="table_text">Step-by-step guides for setup, and the support team on chat or email.</p></div></div><div class="column3 is-compare"><div class="table_icon-text-content" style="justify-content:flex-start;text-align:left;width:100%"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/688244e8c87679558de97ca0_check.svg" alt=""/><p class="table_text">Live learning sessions on every plan and a monitored private Facebook group. VIP onboarding and a dedicated account manager are Partner-only.</p></div></div></div><div class="tablerow is-white"><div class="column1 is-compare"><div class="left-column_text">Self-serve help</div></div><div class="column2 is-compare is-green"><div class="table_icon-text-content" style="width:100%"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/686433f81dd99f7d4de5259b_Check.svg" alt=""><p class="table_text">A help center of 500+ articles.</p></div></div><div class="column3 is-compare"><div class="table_icon-text-content" style="justify-content:flex-start;text-align:left;width:100%"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/688244e8c87679558de97ca0_check.svg" alt=""/><p class="table_text">Knowledge center and video library on every plan.</p></div></div></div><div class="tablerow is-white"><div class="column1 is-compare"><div class="left-column_text"><strong>What it means</strong></div></div><div class="column2 is-compare is-green"><p class="table_text"><strong>Zeffy answers by chat and by email within 2 to 6 business hours, and sets up a call on request, whatever your group's size.</strong></p></div><div class="column3 is-compare"><p class="table_text"><strong>Cheddar Up includes priority support, live chat and learning sessions on every plan, free included, and never charges extra for support.</strong></p></div></div><div class="tablerow endrow"><div class="column1 is-compare"><div class="left-column_text">Sources</div></div><div class="column2 is-compare is-green"><p class="table_text" style="font-size:12px;line-height:1.5;opacity:0.75"><a href="https://www.zeffy.com/home/contact" target="_blank" rel="noopener" style="display:inline;color:inherit;text-decoration:underline">Contact</a></p></div><div class="column3 is-compare"><p class="table_text" style="font-size:12px;line-height:1.5;opacity:0.75"><a href="https://www.cheddarup.com/pricing/" target="_blank" rel="noopener" style="display:inline;color:inherit;text-decoration:underline">Pricing</a></p></div></div></div></div>

Zeffy is 100% free, always.

Why Zeffy over Cheddar Up?

Why Zeffy over Zeffy and Cheddar Up?

Free means free, not a starter tier

💳

No fee on any payment

Cheddar Up's free plan charges 3.95% + $0.95 per card payment, and payers cover it unless the organizer changes the setting. Zeffy covers card processing, so a $50 dues payment reaches you as $50 and the payer is never charged a card fee.

🧾

Receipts and team access included

On Cheddar Up, tax-deductible receipts and extra managers need the Team plan at $35/month. On Zeffy, each gift gets an automatic tax receipt and your whole team can log in, on the free plan.

👥

A full donor CRM, built in

Cheddar Up tracks payments, keeps an address book and messages payers. Donor profiles and giving history are not listed among its features. On Zeffy, every donation, ticket and membership writes into the donor's record in a full donor CRM.

Questions nonprofits ask when choosing between Zeffy and Cheddar Up

Frequently asked questions

What is Cheddar Up, and how is it different from Zeffy?

Zeffy is a free all-in-one fundraising platform with a full donor CRM that every donation, ticket and membership writes into: donations, monthly giving, peer-to-peer, tickets, auctions, raffles, a store and memberships in one plan. Zeffy also covers card processing, so no card fee is charged to your nonprofit or the payer. Cheddar Up describes itself as "a platform designed to easily help groups collect payments and information": an organizer shares a collection page and payments come in. Its Free Forever plan charges 3.95% + $0.95 per card payment. Who covers it is configurable, and payers cover it by default. Tax receipts, extra managers and integrations sit on its Team plan at $35/month. Both include recurring payments and peer-to-peer fundraising on their free plans.

What are Cheddar Up's fees, and who pays them?

Cheddar Up charges a fee on each card or wallet payment. Who covers it is configurable in its fee settings, and payers cover it by default. From its pricing page:

  • Free Forever: 3.95% + $0.95 per card payment.
  • Pro, Team and Partner: 3.59% + $0.59 per card payment.
  • eCheck: not on Free, 1.59% (minimum $1) on Pro, a flat $0.95 on Team and Partner.
  • Instant bank withdrawal: 1.95% (minimum $1). Standard withdrawals are free.
  • No separate platform fee.
  • Plans: Pro $15/month and Team $35/month billed annually ($20 and $48 monthly), Partner custom-priced.

With Zeffy, no fee is charged on any payment, to your nonprofit or to the payer. Donors can add an optional contribution to Zeffy. Figures read on Cheddar Up's pricing page in October 2026.

Is Cheddar Up free?

Its Free Forever plan costs $0 a month, with no setup fee. Each card payment still carries a fee of 3.95% + $0.95. By default the payer covers it, so the organizer receives the full amount, and the organizer can choose to cover it instead. Paid plans start at $15/month billed annually. Zeffy has no plan to pay for and no card fee on any payment.

What does Cheddar Up's free plan leave out?

For a nonprofit, the biggest gap is tax-deductible receipts: on Cheddar Up they need the Team plan at $35/month. Plan by plan:

  • Free Forever: up to 5 items and 1 form or sign up per page, account owner only, no eCheck.
  • Pro ($15/month billed annually): more items and forms per page, eCheck, waivers, and selling features such as shipping, taxes and discount codes.
  • Team ($35/month billed annually): tax-deductible receipts and the verified non-profit badge, multiple managers, QR code ticketing, the group website and integrations.

Receipts, managers and integrations together mean Team: $420 a year billed annually, or $576 billed monthly. On Zeffy, tax receipts, team access, QR check-in and integrations are in the free plan.

Is there a free alternative to Cheddar Up?

Yes. Zeffy is free for nonprofits, with no paid tier and no card fee on any payment. Tax receipts, team members, an organization page and integrations come in the same plan, not as an upgrade. Zeffy also runs auctions, raffles and a donor CRM, which are not listed among Cheddar Up's published features. Zeffy is for registered nonprofits; Cheddar Up also serves groups such as PTAs, teams and clubs.

Should we choose Cheddar Up or Zeffy?

Choose Zeffy if you are a registered nonprofit and want donations, tickets, auctions, memberships and tax receipts in one free plan, with a full donor CRM that every gift writes into.

Choose Cheddar Up if your group mostly runs sign ups, forms and payment collections, and having payers cover a per-payment fee works for you. Its live chat and learning sessions come with every plan.

Is Cheddar Up legit and safe to use?

Yes. Cheddar Up says it is "trusted by 100,000+ groups and non-profits". It publishes its plans and fees on a labeled pricing page, and card data goes to Stripe, its PCI-compliant partner, so Cheddar Up never sees or stores it. Priority support seven days a week and live chat come with every plan, the free one included. Its terms limit accounts to residents of the United States and its territories. Zeffy processes payments on Stripe too, and charges nonprofits nothing.

Is Zeffy really free?

Yes. Zeffy charges no card fee, no platform fee and no subscription, to the nonprofit or to the person paying. Where Cheddar Up's free plan charges 3.95% + $0.95 per card payment, paid by the payer unless the organizer changes the setting, a $50 payment on Zeffy stays $50. Donors may add an optional contribution to Zeffy at checkout, which is how Zeffy stays free, and your nonprofit receives the full amount either way. See how Zeffy is free.

Still undecided?

Keep comparing — and see why nonprofits choose Zeffy

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What makes Zeffy different

Zeffy was built for nonprofits like yours

focus on what matters

Built for small teams with big missions.

Zeffy is the fundraising platform that cuts out the fees, clears up your tech mess, and puts your cause first — so your team, even if you're a small team wearing many hats or a one-person show, can focus on what really matters.

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ZERO-FEE

Keep 100% of every dollar.

No platform fees. No processing fees. No catch. We know it sounds too good to be true, but it's not. Every penny goes straight to your mission, while competitors take 2-3% off every donation.

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How is Zeffy free?

ALL-IN-ONE PLatform

Ditch the tech mess.

Stop bouncing between MailChimp, Eventbrite, and all those spreadsheets. Now you can handle donations, ticket sales, memberships, raffles, and all your donor info in one spot.

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plug-and-play

Get going, fast.

Built for teams like yours — whether you're volunteer-led or have limited staff. Set up donation forms, sell tickets, and launch campaigns without needing a tech wizard. It's super easy, and you'll be up and running in minutes.

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mobile-first

Fundraise from every device, anywhere.

From QR codes on flyers to Tap-to-Pay on a phone, Zeffy makes it easy to accept donations on the go. Mobile-optimized and offline-ready, so no donor slips through the cracks.

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No turnover

Never lose a donor to volunteer transition.

Centralize supporter relationships, automate thank-you messages, and preserve institutional knowledge when board members rotate out.

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100% free forever.

100,000+ nonprofits trust Zeffy — and keep their fees at $0.

For 7+ years, Zeffy has supported nonprofits with free, user-friendly fundraising tools.

As a startup nonprofit with only two members, and no funding (yet) we’d need something with low (or no) fees. Zeffy was a dream come true.

Masey, Loose Ends.

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