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teamfi

vs. Cheddar Up

A comparison between the pricing and features offered by Teamfi and Cheddar Up

Last Updated: 

June 25, 2026

Teamfi vs Cheddar Up: Fees, Features & Take-Home Comparison

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Teamfi and Cheddar Up are two modern digital fundraising platforms that remove the platform fees of many traditional fundraising services and offer digital fundraising tools to help you raise money.

Teamfi and Cheddar Up both provide great options for any organization looking to fundraise, but each platform has specific features and pricing that are important to understand before choosing which company to fundraise with. 

Key Differences 

Teamfi offers tools to aid in fundraising campaigns typically held as a single session. While Teamfi does not limit how long a fundraising event lasts, their features such as a two-week automated text flow, a 31-day fundraising calendar, and a-thon software which is built around a singular pledge-based event are all geared towards single session fundraising. 

Cheddar Up does offer single session fundraising on its platform, but they also operate slightly differently as a platform. Cheddar Up offers recurring donation systems allowing for multiple sessions of donations from individual donors. They also use this tool similarly to offer assistance with dues and membership fees. 

These tools can be used similarly, but are fundamentally different and each may be helpful depending on your organization's needs.

Cheddar Up also offers various services that Teamfi does not including ticketing and volunteer registration. Cheddar Up offers software tools that allow you to collect tickets and manage event participation and attendance. 

Although the tools offered by Teamfi and Cheddar Up have many differences, because of the flexibility of both platforms they can share many of the same users.

Let’s take a look at a few reasons why an organization might choose to go with Teamfi or Cheddar Up.

Choose Teamfi if…

  • You are looking for a lower processing fee. Teamfi has no platform or subscription fees. The only charge faced for using Teamfi’s platform is standard credit card processing fees of 2.9% + $0.30 per donation. This is lower than both Cheddar Up’s free plan (3.95% + $0.95) as well as their subscription fee rate (3.59% + $0.59). It is important to note however that Cheddar Up offers a system that automatically passes transaction fees onto the individual donor. If an organization chooses to do this they will walk away with all of their fundraiser at the end, but processing fees faced per donation will still remain higher than Teamfi’s.
  • You are looking for full access to features without the subscription fees. Teamfi has no subscription required in order to access the entire array of features offered on the platform. These features including non-profit verification badges, tax-deductible receipts, multiple fundraiser administrators, etc. are all freely offered on Teamfi. No subscription required. To use these features on Cheddar Up requires a subscription fee tiered at $15, $35, and an undisclosed amount a month when paid annually. 
  • You are looking for digital fundraising products that provide flexibility and gamification. Both Teamfi and Cheddar Up provide crowdfunding tools that are easily shareable digital fundraising formats, but Teamfi offers other tools to help gamify your fundraiser, and encourage participation from both donors and participants. Check out Teamfi’s fundraising tools below:
    • Crowdfunding - A digital crowdfunding tool that allows your participants to upload contacts as well as manually share links to raise funds on their donation page. 
    • Calendar Fundraisers - Participants are given a calendar that assigns days to a dollar value. Donors are able to put their name on a given day of the month after donation. Fill your calendar and you will have raised $496. 
    • A-thon Fundraisers - A-thon fundraisers create a digital page for your in person a-thon event. Collect pledges and flat donations for your shoot-a-thon, swim-a-thon, dance-a-thon etc. and upload your results to your digital page. Teamfi’s a-thon tool will automatically calculate what you are owed by your pledges and send out automated collection messages to bring in what you have raised from your a-thon event. 

Choose Cheddar Up if… 

  • You are looking for assistance with ticketing, selling, and sign-ups. Cheddar Up’s ticketing service allows you to charge and manage ticket sales when hosting in-person events. They also assist in managing transactions for merchandise sales, and provide sign-up software for volunteer registration and management. These helpful tools are useful for organizations looking to do more than just fundraising.
  • You are looking for donor fee flexibility. Cheddar Up offers an option that allows you to fundraise entirely for free. With this option the organization faces no processing fee as this will be paid by the donor at checkout, however it is unclear how this may affect donation behavior. You will walk away with 100% of your donations, but you may see decreases in donor spending due to additional fees faced at checkout. 
  • You are looking for a service that provides recurring donations. Cheddar Up offers payment pages for membership fees and dues. These services are great for organizations such as Greek Life or HOA’s that often use these payment structures. They also offer recurring fundraising opportunities. With their recurring fundraising structure you can create a fundraiser with the length of your choosing that will send out timed reminders asking for multiple donations over the course of your time span.

Overview - Compare Teamfi and Cheddar Up

Feature Teamfi Cheddar Up
Platform Fees No platform fees (0%) No platform fees (0%) on basic plan
Processing Fees 2.9% + $0.30 per donation Free Plan: 3.95% + $0.95 per donation
Subscription Plans:3.59% + $0.59 per donation
Pricing Transparency Simple, transparent pricing Plans and processing fees listed publicly
Fee Flexibility Payment processing charged to organization Payment processing can be paid by either the organization or the donor
Live Video Walkthroughs Free video demonstrations linked on website Free video learning sessions offered on Website
Mobile Friendly Mobile friendly web browser Dedicated mobile app
Free Access to All
Tools and Features
Yes No, subscription fees required for key tools
Fundraiser Control Full control in-platform Full control in-platform
Fundraiser Types Crowdfunding, Calendars, A-thons Merchandise and product sales, a-thons, crowdfunding
Ticketing, Sales and Volunteer Registration Not services provided by Teamfi Services provided by Cheddar Up
Fundraiser Support 24/7 Platform support team Email support team
Best For Session-by-session flexible fundraising, lower processing fees, automated outreach General-purpose group payments, dues, forms & sign-ups

What Teamfi is Best For…

Teamfi works best for Teams and organizations that want full access to fundraising tools without the subscription fees, flexible fundraising options that are under full control of the organization, and lower payment processing fees.

This may include:

  • A football team looking to “barbell” their fundraising by running a lift-a-thon in the spring and a crowdfunding campaign in the fall.
  • A theatre troupe that is looking to run a single session fundraiser to raise money for costumes and set pieces.
  • A church group looking to run a calendar fundraiser to help cover costs for their annual retreat.
  • A fraternity or sorority looking for software to help raise funds for their spring philanthropy project.

What Cheddar Up is Best For…

Cheddar Up works best for groups looking to use the extensive features and tools offered by their subscription services, organizations looking for recurring donations or due collection, and programs looking for donor fee flexibility.

Cheddar Up is best for:

  • A music club looking to run a ticketed concert to raise funds for their travel.
  • A food bank in need of software to aid with volunteer sign-up and registration.
  • A PTA that is looking to have their fundraising fees covered by parents and community members who are donating.

The Bottom Line - Details Matter

Teamfi offers a streamlined donation process designed to help generate funds for your organization regardless of the situation. Teamfi offers assistance with single-session fundraising, but has seamless fundraiser rollover capabilities that allow you to create a new fundraiser containing the same participants and contacts with just one click. 

Cheddar Up offers great tools for services including ticketing and sales, but lacks variety and flexibility when it comes to their fundraising options. For organizations looking for tools such as ticketing, sales, and volunteer management Cheddar Up possesses flexible online tools with their subscription plans. If you are in need of flexible fundraising tools that offer you the full set of features without any subscriptions necessary, choose Teamfi.

Pricing Transparency: What You’ll Actually Take Home

Pricing transparency is important when it comes to any fundraising service, and both Teamfi and Cheddar Up are upfront with their pricing. 

Teamfi and Cheddar Up both have no platform fees, meaning the only charges you will face on both platforms are processing fees. 

Teamfi partners with Stripe for all payment processing. Standard credit card fees of 2.9% +$0.30 per donation typically round out to about 3.5% meaning you will walk away with an average net of 96.5% of all the funds that you raise. 

Cheddar Up’s processing fees on their free plan are 3.95% +$0.95 per transaction, and on their paid plans are 3.59% + $0.59 per transaction. These processing fees are notably higher than Teamfi, however Cheddar Up offers organizations fee flexibility. 

Cheddar Up allows the organization to choose to pass these fees onto their donors. If an organization chooses to opt in to this they will pay no processing fees at the end of their fundraiser, and net 100% of their donations. However, individual donors will still be paying these higher processing fees. 

If an organization does not choose to pass their processing fees onto the donor, let’s take a look at how the payment processing fees compare between Teamfi, Cheddar Up’s free pricing plan, and their paid subscription plans.

Teamfi vs. CheddarUp — Processing Fee Calculator

See What Processing Fees Actually Cost You

Drag the slider to your expected fundraising total. Effective rates are calculated assuming a $50 average donation, since both platforms charge a flat fee plus a per-transaction amount.

Note: This calculator assumes the organization absorbs processing fees rather than passing them on to the donor. If fees are passed on to donors at checkout, actual cost to the organization will differ. Pricing for CheddarUp's paid plan also does not account for annual fees such as $420 for their "Team" plan.

$10,000
Teamfi
2.9% + $0.30/donation (~3.5% effective)
CheddarUp — Free Plan
3.95% + $0.95/donation (~5.85% effective)
CheddarUp — Paid Plan
3.59% + $0.59/donation (~4.77% effective)
Teamfi CheddarUp Free Plan CheddarUp Paid Plan

Fee breakdown at $10,000 raised ($50 avg. donation = 200 transactions)

Item
Teamfi CU Free CU Paid
Percentage fee
Per-transaction fee
Total fees
Take-home

* Effective percentages assume a $50 average donation size, since both Teamfi and CheddarUp charge a percentage plus a flat per-transaction fee. Actual fees will vary based on real transaction volume and average gift size. Teamfi: 2.9% + $0.30/donation. CheddarUp Free Plan: 3.95% + $0.95/donation. CheddarUp Paid Plan: 3.59% + $0.59/donation (published rates, subject to change — confirm directly with CheddarUp).

Subscription Value

When comparing Teamfi and Cheddar Up it is important to account for the value of your subscription plan. With Teamfi there is no subscription fee required for any tools or features. Teamfi offers their full set of digital tools and features including non-profit verification badges, tax-deductible receipt information, and multiple fundraising administrators for free. Cheddar Up requires a subscription for these features. 

An annual subscription for access to these tools on their “Team” plan will cost you $420 or $35 dollars a month. If you would rather not pay for the entire year this per month cost rises to $48. 

If an organization chooses Cheddar Up to fundraise on their annual “Team” plan while placing processing fees onto the donor, you will begin to see savings with Cheddar Up around $12,000 dollars. 

Comparing Teamfi and Cheddar Up on pricing requires looking at the details, and understanding your fundraising goals from the beginning. Teamfi provides all tools and features fully free to use while Cheddar Up limits tools and features within their subscription plans. Knowing your team's goals and understanding the details can help provide some clarity when comparing Teamfi and Cheddar Up on pricing.

Compare Features: Teamfi vs. Cheddar Up

See here how the features offered by both Teamfi and Cheddar Up compare.

Feature Teamfi Cheddar Up
No Platform Fees
Transparent Pricing on Website
No Sales Rep Required
Free Access to All Tools and Features
Check Payout Option
Crowdfunding Campaigns
Calendar Fundraisers
A-thon Fundraisers
Dues, Fees & Payment Collection
Event Ticketing & Sign-up Forms
Group & Participant Fundraising Pages
Automated SMS Donor Outreach
Automated Recurring Donations
Mobile Friendly
CSV Exports
Built-in Sharing Tools

Hear Stories From Fundraiser Organizers Who Chose Teamfi

Dakota Wesleyan University Women's Basketball

Mitchell, SD

"Loved this fundraiser and I thought it was the easiest thing ever. I had access to everything and was able to do things on my end. If I ever had a question, you were super easy to work with and got back to me right away. Also, you don't take advantage of the percentage on the back end, which we appreciate!"

Celeste Beck

Associate Head Coach

Fruitport Football

Fruitport, MI

“All-in-all, I absolutely LOVED TEAMFI. The communication and support was excellent, player acclimation was incredibly simple, and donors appreciated the text messages over emails. The campaign was light years ahead of similar programs."

Nate Smith

Head Football Coach

Best-of-the-best Support, From Start to Finish

Fundraising doesn’t stop, and neither should your support. That’s why our team is available to help you quickly and clearly, without hidden fees or long wait times. From onboarding to live campaign questions, you’ll get practical, hands-on guidance from real people who understand how the platform was built and how fundraisers actually run—so you can stay focused on raising money, not figuring out software.

“The communication & support was excellent.”

NATE S.
HILLSDALE, MI

“The company, the software, the customer support. Everything was an absolute 10.”

DANIELLA L.
CONCORD, CA

“Your customer service is the best by far!”

PIA R.
SARASOTA, FL

All your Teamfi vs Cheddar Up Questions, Answered

Simple answers to commonly asked questions asked by organizers comparing Teamfi to Cheddar Up.

What is the main difference between Teamfi and Cheddar Up?

Teamfi is designed specifically for team and group fundraising (like crowdfunding campaigns, calendar fundraisers, and a-thons). It features built-in tools like automated SMS outreach to help teams raise money quickly.

Cheddar Up is a comprehensive payment and form collection platform. While it supports fundraising, its primary strength is managing group life such as collecting club dues, selling spirit wear, tracking event registrations, and gathering custom form details.

Which platform is better for a sports team or school group?

This depends heavily on your organizations needs and goals:

  • Choose Teamfi if your main objective is to launch a quick, high-yield donation campaign where players send out links to donors to hit a specific financial goal.
  • Choose Cheddar Up if you need to build an online storefront to sell t-shirts, collect permission slips, or gather annual registration fees.

Does Cheddar Up support peer-to-peer fundraising?

Yes, Cheddar Up does offer peer-to-peer setups (like tracking individual participant goals for a-thons). However, Teamfi focuses entirely on this loop, offering automated text message outreach and leaderboard tracking optimized purely to drive donations.

How do donors/payers access these platforms?

Both Teamfi and Cheddar up are completely web-based and mobile-friendly for donors. Neither your donors nor your participants need to download an app to submit a payment or create an account/donation page.

Can multiple organizers manage the same fundraiser?

Teamfi: Yes, Teamfi allows for multiple accounts to share administrative access to a fundraiser after it is created.

Cheddar Up: Yes, but advanced team management and adding multiple managers/handing over a page to a new committee member requires their paid Team Plan.

How and when do we get paid?

Teamfi: Funds are securely processed by Stripe. Payouts are either directly deposited into your organization's bank account, or sent by check through the mail.

Cheddar Up: Collected money accumulates in your digital Cheddar Up balance. Organizers must manually trigger a withdrawal to their bank account. Standard ACH withdrawals are free and take 1–3 business days.

Choose What Works Best for Your Organization

Both Teamfi and Cheddar Up provide great digital tools to help you fundraise. 

When it comes to choosing what is best for your organization, it is important to consider the details. Understanding your organization's needs and goals allows you to select the best tools and features for the lowest total cost.

For groups that need simple and effective fundraising solutions without additional services such as ticketing and merchandise sales, Teamfi offers essential fundraising tools without the subscription fees for full access.

For organizations that want a full array of payment collection options for event hosting and volunteer sign-up and registration, subscribing to Cheddar Up may be a great option.

Both companies offer transparent pricing, a variety of affective features, and customer support to aid in your fundraising efforts. To learn more about fundraising with Teamfi, book a free demonstration today!

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