Cheddar Up provides a great way to collect payments online, but that’s where it ends. Once you collect funds through Cheddar Up, you have to withdraw it to a bank account to use the funds. Crowded offers online payment collection, like Cheddar Up, but also provides modern banking services within the app. You can spend the collected funds, track payments, and use Crowded Rewards to raise extra funds for your group!Crowded is also cheaper. Cheddar Up charges a 3.59% + $0.59 credit card fee while Crowded charges only 2.95%.