8.6
Spot Score
Cheddar Up Review: Is It The Right Payment Gateway Software For Your Team?
Best for SMB teams · Mid-market · Enterprise
Free Plan Available
GDPRAdd to compare
Starts from $10 / Month, also offers free forever plan
Overview
Pricing
Features
Buyer feedback
Alternatives
Media
Security & Compliance
Support
FAQ
Blogs
SpotSaaS Analysis for Cheddar Up
Cheddar Up is a payment gateway software ideal for finance teams and operations managers in small to medium-sized businesses. With a 4.4/5 rating from 387 user reviews, it is broadly validated, indicating strong user satisfaction and reliability.
Cheddar Up excels in supporting multiple payment types, making it a versatile choice for e-commerce businesses and event organizers. Its easy setup process further enhances its appeal, allowing users to quickly integrate and start processing payments. However, potential users should be aware of the limited customer support options, which could be a drawback for those needing extensive assistance.
Quick facts about Cheddar Up
What is Cheddar Up?
Cheddar Up is a payment collection platform built for e-commerce merchants, school groups, and community organizations that need to accept credit card, ACH, and check payments without incurring chargeback liability, minimum sales requirements, or monthly subscription fees. It supports hundreds of payment configurations without requiring per-transaction contracts.
Pricing
Starts from $10 / Month
Best For
Suited for solo users, small teams, SMBs, and enterprise
Security & Compliance
GDPRData residency:Global
Platform
Web + mobile app (iOS & Android)
Cheddar Up Software Demo
Cheddar Up was reviewed internally using user feedback, in-house testing, and market research to assess its performance, reliability, and user experience. Learn how we review products and our evaluation process.
Who should consider Cheddar Up
- Use cases
- E-commerce businesses, Nonprofit organizations, Event organizers
- Team types
- Finance teams, Sales teams
- Company size
- Small Business, Medium Business
- Workflow style
- Simple and streamlined
- Setup complexity
- Low
Why teams choose Cheddar Up
No chargebacks, minimum sales, or monthly fees
Supports multiple payment methods including credit card, ACH, direct debit, purchase order, and checks
User-friendly interface for quick payment setup
Is Cheddar Up right for you?
Best for small to medium e-commerce businesses needing flexible, fee-free payment options.
Choose Cheddar Up if
- You want to accept diverse payment methods including ACH, credit cards, and checks without monthly fees.
- You need a simple, quick-to-setup payment gateway with no minimum sales requirements.
- Your team values a user-friendly interface for streamlined payment processing.
Consider alternatives if
- Your business requires advanced fraud detection and security features.
- You need extensive custom integrations or complex enterprise-level payment workflows.
What buyers should know before shortlisting Cheddar Up
Cheddar Up is a versatile payment gateway that caters specifically to e-commerce businesses, allowing for a variety of payment methods without the burden of chargebacks. Its straightforward setup and user-friendly interface make it an attractive option for online merchants.
Cheddar Up pros and cons
- Cheddar Up pros
No chargebacks, minimum sales, or monthly fees
Supports multiple payment methods including credit card, ACH, direct debit, purchase order, and checks
User-friendly interface for quick payment setup
- Cheddar Up cons
Limited information on advanced payment features
Lack of detailed pricing transparency
Ready to try it?
Get started with Cheddar Up
Try the free plan and upgrade when ready.
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See how it stacks up
Compare Cheddar Up side-by-side with top Payment Gateway Software alternatives.
What is the pricing of Cheddar Up?
Cheddar Up Pricing Plans
Basic
Up to 5 items and 1 form per collection
Unlimited custom payment pages
Unlimited branded banners
Unlimited payers
Unlimited questions on items and forms
Show more +
Pro
$10
/Month
Includes features of Basic plan, plus
Unlimited items and forms per collection
Set start and stop times
Count-down timer
Discount Codes
Show more +
Team
$30
/Month
Includes features of Pro plan, plus
Invite multiple managers
Control manager permissions
One-stop URL for all collecting
Share a public page with all collections
Show more +
Cheddar Up reviews and ratings
Buyer sentiment
Overall positive user sentiment highlighting ease of use and flexible payment options, with some concerns about pricing clarity and advanced features.
What buyers like
- Ease of use
- Variety of payment options
- No monthly fees
Common complaints
- Pricing transparency
- Limited advanced features
- See if Cheddar Up fits your business
- Real pricing — no sales pressure
- A demo or quick answers, your call
Step 1 of 4
How big is your team?
We tailor recommendations to companies your size.
What are the features of Cheddar Up?
Invoice payment is a crucial feature of any software system that is designed to simplify the billing process and enhance overall efficiency.…
Payment made with a portable electronic device such as a tablet or cell phone for a product or service is known as Mobile payment. Mobile pa…
Multiple Currency Processing is a software feature that allows users to transact and record payments in currencies other than their own dome…
Point of Sale (PoS) transactions are electronic payments made by customers for goods or services at a physical retail location. This feature…
Recurring billing is a software feature that allows businesses to set up automated, recurring payments for their products or services. With…
Saved cards, also known as stored payment methods, are a convenient feature found in various software applications that allow users to secur…
Website Payments is a feature that allows users to conveniently make and receive payments online through a website. This feature is widely u…
Cheddar Up security and data handling
Key compliance certifications and security features for IT and security teams evaluating Cheddar Up.
Certifications
Security features
Developer & data
Alternatives to Cheddar Up
Cheddar Up Support Options
Frequently Asked Questions About Cheddar Up
Common questions buyers ask before choosing Cheddar Up.
Cheddar Up is a Payment Gateway Software. Cheddar Up offers Invoice Payment, PoS Transactions, Multiple Currency Processing, Recurring Billing, Website Payments and many more functionalities.
Cheddar Up is a strong fit if: You want to accept diverse payment methods including ACH, credit cards, and checks without monthly fees.; You need a simple, quick-to-setup payment gateway with no minimum sales requirements.. Consider alternatives if: Your business requires advanced fraud detection and security features.; You need extensive custom integrations or complex enterprise-level payment workflows..
Buyers commonly note the following limitations of Cheddar Up: Limited information on advanced payment features; Lack of detailed pricing transparency; Potentially less suitable for large enterprises with complex needs.
Some top alternatives to Cheddar Up includes PayU, Venmo for Business, Square Payments, Square Invoices and PayHere.
Cheddar Up offers Freemium, Subscription pricing models
The starting price of Cheddar Up is $10/Month
Ready to try it?
Get started with Cheddar Up
Get started with the free plan — no credit card required.
About the reviewer
Rajat Gupta is the founder of Spotsaas. Over the past two years, he has reviewed 2,000+ tools across CRM, HR, AI, and finance — applying hands-on product research and a background in commerce and the CFA program to evaluate software through a business and ROI lens. His goal: help teams make software decisions they won't regret.
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Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].