Girl Scouts
powerful bank
Mobile point-of-sale
Cookie Rewards Cards
Buy multiple cookies
Process troop payments
Spend transparently
There are so many options for collecting Girl Scout cookie payments , we made a comparison chart.
Venmo* | Cheddar Up | Square | |
|---|---|---|---|
Card processing fees | 2.99% | 3.59%+$0.59 | 2.9%+$0.30 |
No monthly fees | |||
Outgoing ACH fee | .75% | 1% | |
Payment Tracking | |||
Payment Reminders | |||
Collection Links |
 |
|---|
2.99% |
$2.49 |
Card processing fees |
|---|
Venmo* 2.99% |
Cheddar Up
3.59%+$0.59 |
Square
2.9%+$0.30 |
 %2.99 |
No monthly fees |
|---|
Venmo* |
Cheddar Up |
Square |
|
Outgoing ACH fee |
|---|
Venmo* |
Cheddar Up .75% |
Square 1% |
| $2.49 |
Payment Tracking |
|---|
Venmo* |
Cheddar Up |
Square |
|
Payment Reminders |
|---|
Venmo* |
Cheddar Up |
Square |
|
Collection Links |
|---|
Venmo* |
Cheddar Up |
Square |
|
Want to learn more? View All
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Want to chat? Contact us.
Crowded is a financial platform that offers Girl Scout troops an easy way to collect, spend and manage money online.
Girl Scouts are constantly collecting money – cookie sales, events, trips, donation drives, membership fees, and more. Using Crowded to collect these funds is safe, easy and trackable.
When Girl Scouts are selling cookies, they can accept cash and mobile point-of-sale payments with a smartphone, and these funds will go directly into their troop bank account*.
When the girl scout troop needs to spend, they can spend from the same place where they collect. The Troop treasurer can issue digital debit cards as needed to members to spend with budgeted amounts.
With collecting with Crowded, you can avoid constantly transferring funds between payment apps and banks to access your group’s money. Utilizing embedded finances, Crowded enables your group to bank*, collect, and spend with just one platform.
Also, we provide fund protection. Unlike Venmo, funds you keep in Crowded are in FDIC pass-through, insurance-eligible accounts* and FDIC insurance available on deposits up to $250k.
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 2.99%.
Crowded accounts are free to set up – we have no minimum balances or subscription fees.*
What do we charge for?
When collecting payments, we charge 2.99% of the collection amount if paid by card and $5 for ACH payments.
You can always choose whether you want to cover these fees or ask your payers to handle them.
View our full fee schedule here.
* Crowded Technologies Inc is a financial technology company and is not a bank. Banking services provided by TransPecos Banks, SSB; Member FDIC. The Crowded Technologies Inc. Visa® Debit Card is issued by TransPecos Banks, SSB pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.
There are no fees associated with account opening, but transaction fees may apply; please refer to the Crowded Business Deposit Account Agreement for more details on account transaction fees.
** Accounts are eligible for pass-through deposit insurance only to the extent pass-through insurance is permitted by the rules and regulations of the FDIC, and if the requirements for pass-through insurance are satisfied. There may be a risk that pass-through deposit insurance is not available because conditions have not been satisfied. In such cases, funds may not be fully insured in the event the insured depository institution where the funds have been deposited were to fail.
* Crowded Technologies Inc is a financial technology company and is not a bank. Banking services provided by TransPecos Banks, SSB; Member FDIC. The Crowded Technologies Inc. Visa® Debit Card is issued by TransPecos Banks, SSB pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.
There are no fees associated with account opening, but transaction fees may apply; please refer to the Crowded Business Deposit Account Agreement for more details on account transaction fees.
** Accounts are eligible for pass-through deposit insurance only to the extent pass-through insurance is permitted by the rules and regulations of the FDIC, and if the requirements for pass-through insurance are satisfied. There may be a risk that pass-through deposit insurance is not available because conditions have not been satisfied. In such cases, funds may not be fully insured in the event the insured depository institution where the funds have been deposited were to fail.
© Crowded Technologies, Inc. 2025. All rights reserved.
