How is Crowded different from Zelle, Venmo or Paypal?

Venmo & Paypal? Great for friends, not for your HOA. Here’s why Crowded is the better app for collecting dues & for events:Built for Organizations: Manage all your group’s finances in one platform. Create organized collections, track incoming payments, send reminders, and see who’s paid at a glance. Tax-Friendly: Don’t worry about unexpected tax liabilities with Crowded. In 2025, collecting over $600 will result in extra reporting requirements for users of Venmo/PayPal/Zelle. With Crowded, no extra reporting is required!

Homeowners associations

The easy way to manage HOA payments

Q: Is Crowded free?

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 the the lesser of 2.99% or $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.

Say hello to the effortless way to pay HOA dues online and collect other expenses from your fellow homeowners.

what to use Crowded for?

Stay organized with collections for any HOA activities

collect funds easily

Create an online HOA payment collection link in 1 minute

share the collection

Make life easy for your busy neighbors

The Crowded Platform

Using the Crowded platform you can:

Mobile point-of-sale

Collect payments straight from your phone

pay for multiples

Members can pay for multiple items at once

Issue budgeted Cards

Spend from where you collect with debit cards

See how Crowded stacks up:

There are so many options for collecting payments online, we made a comparison chart.

	Venmo*	Cheddar Up	Square
Card processing fees	1.9% + $0.10	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* 1.9% +$0.10
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

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Your questions,
answered.

Want to chat? Contact us.

Crowded is a financial platform that offers HOAs an easy way to collect, spend and manage money online.

With Crowded, you can avoid constantly transferring funds between payment apps and banks to access your HOA’s money. Utilizing embedded finances, Crowded enables you to bank, collect, and spend with just one platform.

We charge little to no fees.

When collecting funds through Crowded, you’ll have the flexibility to decide whether to cover processing fees or let your payers handle them. When we do charge fees, they are fair and competitive with industry standards.

Venmo & Paypal? Great for friends, not for your HOA. Here’s why Crowded is the better app for collecting dues & for events:

Built for Organizations: Manage all your group’s finances in one platform. Create organized collections, track incoming payments, send reminders, and see who’s paid at a glance.
Tax-Friendly: Don’t worry about unexpected tax liabilities with Crowded. In 2025, collecting over $600 will result in extra reporting requirements for users of Venmo/PayPal/Zelle. With Crowded, no extra reporting is required!