Fundraising platform comparison
Big Nest vs Cheddar Up
Compare the same online fundraiser while changing each platform's plan and fee-handling choices independently.
Your fundraiser
How much do you expect to collect online?
Average donation
Starting values are based on one anonymized school fundraiser. They’re a real-world example, not a universal average.
Side-by-side fundraiser result
Compare the same online donations
Big Nest
Verified pricingService fee · Service fee:
Cheddar Up
Verified pricingFree · Donors pay fees
Online donations
$20,000
$20,000
Your group receives
$20,288.52
$20,000
Your group pays
$0
$0
Donors pay extra
$799.84
$999.55
$288.52 difference in group receipts.
$199.71 difference in estimated donor-paid additions.
Big Nest fee structure
2.2% + $0.30 per donation
Change how fees are handled
Cheddar Up fee structure
3.95% + $0.95 per donation
Change configuration
View detailed calculations
Big Nest
How pricing works
Card processing
2.2% + $0.30 per donation
Paid by your group
Momentum annual plan
$299 per year
Paid by your group
Detailed calculation
179 online transactions averaging $111.73.
Transaction count and gift sizes are estimated from one anonymized real school fundraiser's card donation pattern.
- Donor-paid service charges
- $799.84
- Card processing: 2.2%
- $457.62
- Card processing: $0.30 per donation
- $53.70
Donor-paid amounts
Donors pay $799.84 beyond their intended donations.
Annual costs
Annual platform cost shown separately: $299
Pricing scope
United States, eligible nonprofit domestic online cards
- This estimate uses Stripe's US nonprofit rate for eligible domestic online-card donations. Stripe requires approved nonprofit status and at least 80% of payment volume from tax-deductible donations; membership, tuition, ticket, registration, and auction payments do not count toward that threshold.
- The Momentum annual plan is shown separately and is not deducted from one fundraiser.
Verified pricing: Uses Big Nest's published plan information and the Stripe nonprofit card rate modeled for qualifying parent groups.
Pricing sources
- Big Nest fundraising · Checked 2026-08-30Big Nest fundraising fee handling, use of the group's connected payment account, and the nonprofit processing rate modeled for qualifying groups.
- Big Nest pricing · Checked 2026-08-28Momentum annual plan price.
- Stripe nonprofit discount · Checked 2026-08-30Stripe nonprofit-discount availability and eligibility requirements. Big Nest publishes the 2.2% plus $0.30 domestic online-card rate modeled for qualifying parent groups.
Cheddar Up
How pricing works
Basic card processing
3.95% + $0.95 per donation
Paid by donors, as an added charge
Detailed calculation
179 online transactions averaging $111.73.
Transaction count and gift sizes are estimated from one anonymized real school fundraiser's card donation pattern.
- Additional donor charges received
- $999.55
- Basic card processing: 3.95%
- $829.50
- Basic card processing: $0.95 per donation
- $170.05
Donor-paid amounts
Donors pay $999.55 beyond their intended donations.
Pricing scope
United States, credit-card payments
- V1 models credit-card payments only. eCheck pricing is not included.
- Pro and Team annual plan costs are shown separately and are not deducted from one fundraiser.
Verified pricing: Uses Cheddar Up's published plan and credit-card rates.
Pricing sources
- Cheddar Up pricing · Checked 2026-08-28Basic, Pro, and Team prices and credit-card transaction fees.
- Cheddar Up fee handling · Checked 2026-08-28Payer-covered fees and gross-up behavior.
Big Nest receives $20,288.52. Cheddar Up receives $20,000.
What this comparison helps explain
Plan pricing and fee handling are separate choices
Big Nest centers the choice of how processing costs are handled. Cheddar Up combines a collection plan with a separate choice about who covers transaction fees. The calculator keeps those decisions visible without mixing them into one blended rate.
Your group may receive the same. Donors may pay more.
Two options can leave your group with the same amount while charging donors different totals. The comparison shows what your group receives and what donors pay extra, so you can consider both.
Compare the broader job after comparing fees
Fundraiser arithmetic is only one decision. Review the dedicated Big Nest pricing page and Cheddar Up pricing page , then consider which year-round workflows your group needs.
Related comparisons
Questions about this comparison
Yes. Both sides use the same intended online donations, donation count, and transaction pattern. Only the selected platform pricing and fee-handling choices differ.
Yes. You can change each platform’s settings separately. Adjusting Big Nest won’t change your Cheddar Up settings, or vice versa.
No. Applicable annual costs appear in detailed calculations and remain separate from the result for one fundraiser.
No. The calculator compares the financial treatment of one online fundraiser. Your group should separately evaluate year-round workflows, support, and the other capabilities it expects to use.
See how other fundraising options compare.
Use your fundraiser’s numbers to compare costs across donation tools, parent-group software, and companies that help run the campaign.