When it comes to fees, we keep it simple. Since our inception, we set out to make group organizers’ lives easier. That means avoiding fees. On Cheddar Up, group organizers can always collect indefinitely for zero setup, monthly or transactional fees. Collecting on Cheddar Up is always free.

By default, payers can pay via Credit Card, Apple Pay, Google Pay or Link. Payers pay a small convenience fee (3.95% + $0.95 for Basic plan collections and 3.59% + $0.59 for Pro and Team plan collections). If you prefer to have the organizer absorb that fee instead, you can adjust your settings accordingly. If your community needs more options, organizers can turn on additional payment methods including:

  • eCheck (available on Pro and Team) Pro Plan: 0.75% (minimum $1.00)
    Team Plan: Flat $0.59
    , which
    can be as low as a flat $0.59.
  • Cash/check, which is free.

*eCheck is available with US currency only.
*If fees are passed to the payer, fees are charged on the cart's total (the subtotal plus fees).
*If a payment is disputed, a non-refundable $15 fee will be incurred (learn more about disputes). 

Common Questions

How do I turn on the eCheck payment method?
If you are on the Pro or Team plan, you can enable the eCheck payment method on a collection-by-collection basis from within Build > Settings > Payments.
Are convenience fees visible and transparent to payers?
Yes. By default, transactional convenience fees are paid by the payer. If you keep convenience fees passed on to payers (which the majority of organizers do), you can feel good about it because payers have options. Depending on which payment methods you enable on your collection, at checkout, payers can select their preferred payment method and will then see the convenience fees associated with each.
Can organizers choose to absorb transaction convenience fees?

Yes. If preferred, organizers can absorb transactional convenience fees instead of passing them on to payers. The organizer also has the option to absorb only eCheck fees. You can change this setting from within Build > Settings. If convenience fees are absorbed by the organizer, they will be deducted from the total amount received (e.g., If someone pays you $10 via a credit card, you will have $9.05 available to withdraw). 

If you prefer to have the organizer absorb convenience fees, but you would also like to give payers the option to cover those fees at checkout, this can also be done. Go here to learn how to turn on these other convenience fee options. 

As an organizer, how can I see what convenience fees I’ve paid?
If you’ve chosen to cover convenience fees for your payers, you can see the total fees paid on a collection by clicking on your "Balance Summary" (accessible from your collection's Manage view). There, you'll see a "Fees" line item. If you have not opted to cover convenience fees for your payers, this "Fees" line item will remain at $0.00.
Are there any monthly fees?
Organizers can always collect for free (with no monthly fees). But if you’re looking to do more and tap into advanced features, we have options and monthly plans available.
Is there a fee to withdraw funds?
Why are fees calculated differently when they are passed to the payer?
We're happy to explain. In this example, we are referencing credit card fees on our Pro and Team plans. In that scenario, Cheddar Up’s fees consist of both a fixed fee ($0.59 per transaction) and a variable fee (3.59% of the total transaction amount). The fee calculations look a bit different based on whether fees are being absorbed by the organizer or passed on to the payer. Fees will be slightly higher when passed on to the payer because the variable fee is always calculated as a percentage of the total amount charged to the payer’s card

When you choose to absorb the processing fees, the fee is calculated as $0.59 plus 3.59% of the item cost. Here the item cost is the “total amount charged to the payer’s card.” The organizer receives the charged amount less the fees.

Example on a $10 item:  3.59% of $10.00 = 0.359, rounded to $0.36 + $0.59 = $0.95 total processing fee.
9.05 -2.jpg

When you choose to pass the fee on to the payer, the “total amount charged to the payer’s card” is higher and, therefore, the fee is higher. The variable fee is calculated as 3.59% of the total charge including the fees. The math is a bit more complicated to accomplish this.

Example on a $10 item: 
We start with the item cost ($10) + the fixed fee ($0.59) = $10.59

Since the variable fee is 3.59%, the $10.59 will be divided by 1 - 0.0359 = 0.9641

$10.59/0.9641 = $10.98.


In this example, the variable fee is $0.39 ($0.98 - $0.59). You can recalculate the variable fee by multiplying the total charge by the variable fee percentage (in this example $10.98 * 3.59% = $0.394, rounded to $0.39). Note that the credit card networks charge us based on the total amount charged to the payer’s card, thus, we need to charge in the same fashion.