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Cash App vs Zeffy: Fees, Features and CRM Compared
Cash App's Business account takes 2.6% + $0.15 on each payment, 3% in person. On Zeffy every gift arrives in full, with a tax receipt and a donor record.
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Zeffy VS Cash App
Pricing
Zeffy:
$
0.
Cash App: 
2.6% + $0.15.
per payment to a Business account, deducted before it reaches your balance. 3% by Tap to Pay.
On a $100 donation
Zeffy:
$
100.
Your nonprofit receives all $100.
Cash App:
$97.25.
kept when paid from a Cash App account. $97.00 by Tap to Pay.
Processing fees
Zeffy:
$
0.
No processing fee on any gift: Zeffy covers it.
Cash App:
2.6% + $0.15.
on each payment from a customer's Cash App account.
Tap to Pay
Zeffy:
$
0.
Tap to Pay in the Zeffy app, with no fee per tap.
Cash App:
3%.
on each in-person payment. The payer is not charged.
Setup & monthly fees
Zeffy:
$
0.
No subscription, no plan to choose.
Cash App:
$0.
Business accounts are free to create. No monthly fee is listed.
Transfers to your bank
Zeffy:
$
0.
Payouts to your bank are free, every Monday or monthly.
Cash App:
Standard transfers free. Instant Transfer 0.5% to 2.5% ($0.25 to $1 minimum, $75 maximum).
What it means
Zeffy:
Zeffy takes no fee online or at your event table, so a $100 gift stays $100 and a $10,000 year stays $10,000.
Cash App:
Cash App Business is free to open and lists no monthly fee. Each payment then costs 2.6% + $0.15, or 3% by Tap to Pay.
Payments
Zeffy: 
Cards, wallets and US bank payments on a web form, free. Donors need no app.
Cash App:
Payments from a Cash App account online, or by tap in person.
How donors pay
Zeffy:
On your donation form, shared by link, QR code or embed.
Cash App:
From their own Cash App account, by $cashtag, QR code, email or phone.
Cash App
Zeffy:
Cash App is not a payment method on Zeffy.
Cash App:
The payer's Cash App account.
Card on a web form
Zeffy:
Credit and debit cards on a web form, with the fee covered.
Cash App:
A web checkout for payers without Cash App is not publicly mentioned.
Apple Pay & Google Pay
Zeffy:
Both wallets online, no app for the donor to install.
Cash App:
In person, through Tap to Pay.
Bank transfer
Zeffy:
ACH from US donors, free for your nonprofit.
Cash App:
Bank payments from customers to a business are not publicly mentioned.
In person
Zeffy:
Zeffy's Tap to Pay app on iPhone or Android. No reader, no fee.
Cash App:
Tap to Pay with no extra hardware, 3% per payment.
Payouts
Zeffy:
Paid to your bank automatically, free. Next-day payouts available.
Cash App:
Standard transfer to a linked bank or card. Instant Transfer has a fee.
What it means
Zeffy:
Zeffy lets anyone give by card, wallet or bank on a web form, with no app to download, and in person by tap, all with no fee.
Cash App:
Cash App suits supporters who already use it: they pay from the app by $cashtag or QR code. In person, Tap to Pay takes contactless cards for 3%.
Sources
Zeffy:
Cash App:
All-in-one fundraising
Zeffy:
4.8/5.
Ease of use on Capterra. Every fundraising campaign and a donor CRM in one free account.
Cash App:
4.5/5.
Ease of use on Capterra. A money app with a Business account; fundraising tools are not publicly mentioned.
Donation forms
Zeffy:
Branded forms with suggested amounts and a line on what each gift pays for.
Cash App:
Donation forms or pages are not publicly mentioned. Payers use a $cashtag or QR code.
Recurring gifts
Zeffy:
Monthly, quarterly or yearly giving next to a one-time option.
Cash App:
Recurring donations are not publicly mentioned.
Ticketing
Zeffy:
Tickets with QR check-in at the door, no fee per ticket.
Cash App:
Event ticketing is not publicly mentioned.
Peer-to-peer
Zeffy:
Supporters fundraise on their own pages, with team leaderboards.
Cash App:
Not for charities: Cash App's terms bar Pools from raising funds for charities.
Auctions
Zeffy:
Silent auctions where bidders get outbid alerts.
Cash App:
Auctions are not publicly mentioned.
Raffles
Zeffy:
Digital raffle tickets with numbers, where your state allows them.
Cash App:
Raffles are not publicly mentioned.
Online store
Zeffy:
Sell merch with sizes and stock, shipped or picked up.
Cash App:
An online store is not publicly mentioned.
Memberships
Zeffy:
Member tiers with automatic renewals and digital cards.
Cash App:
Memberships are not publicly mentioned.
What it means
Zeffy:
Every campaign in one free account: donation forms, monthly giving, ticketed events, peer-to-peer, auctions, raffles, a store and memberships, with a donor CRM built in.
Cash App:
Cash App moves money; it does not run fundraising campaigns. Its terms bar Pools from raising funds for charities, and donation pages are not publicly mentioned.
Sources
Zeffy:
Donations · Ticketing · Peer-to-peer · Auctions · Raffles · Store · Memberships · Capterra
Cash App:
Donor CRM
Zeffy:
A full donor CRM, built in. Every gift creates a donor record with its tax receipt.
Cash App:
A payment history in the Activity tab. Donor records are not publicly mentioned.
Tax receipts
Zeffy:
A tax receipt goes to the donor automatically after each gift.
Cash App:
Donation receipts are not publicly mentioned.
Donor records
Zeffy:
Name, contact details and every gift on one record.
Cash App:
Payment history in the Activity tab.
Giving history
Zeffy:
Lifetime giving, last gift and this year against last year.
Cash App:
Giving totals per donor are not publicly mentioned.
Lists
Zeffy:
Saved lists built from giving, campaigns or form answers.
Cash App:
Donor lists are not publicly mentioned.
Thank-you emails
Zeffy:
Thank-you and receipt emails send on their own, and newsletters go to any list.
Cash App:
Emails to donors are not publicly mentioned.
Price
Zeffy:
$0 for the full CRM, however many donors and contacts you have.
Cash App:
No donor CRM is mentioned, so tracking donors needs another tool.
What it means
Zeffy:
Zeffy is a full donor CRM: every donation, ticket and membership builds the donor's record, with giving history, receipts, lists and emails, all free.
Cash App:
Cash App shows payments in its Activity tab. Donor records, tax receipts and emails to givers are not publicly mentioned.
Support
Zeffy:
Chat and email about forms, receipts and payouts, with a call on request.
Cash App:
In-app chat around the clock and a phone line every day.
Help center
Zeffy:
500+ help articles and guides.
Cash App:
Help center articles on Business accounts and fees.
Chat
Zeffy:
An AI assistant first, then a person when needed.
Cash App:
In-app chat, 24/7.
Phone
Zeffy:
Calls are booked on request. There is no phone line to ring.
Cash App:
(800) 969-1940, daily from 8 AM to 9:30 PM ET.
Email
Zeffy:
Answered within 2 to 6 business hours.
Cash App:
Email customer service, listed at no charge in its terms.
What it means
Zeffy:
Zeffy support covers the fundraising side, receipts, donor records and payouts, by chat and email, with a call when you need one.
Cash App:
Cash App answers by in-app chat around the clock, by phone every day and by email, with no charge for any of them.
Zeffy is 100% free, always.
All your fundraising, every fee covered
💵
Zeffy covers every fee
Cash App Business keeps 2.6% + $0.15 of each payment. On Zeffy a $100 gift arrives as $100, online or by tap at your event.
🎟️
One platform for all your fundraising
Donation forms, monthly giving, events, auctions, raffles, a store and memberships in one free account. Cash App only moves the money.
🗂️
A full donor CRM, built in
Every donation, ticket and membership builds the donor's record and sends the tax receipt, ready for your next appeal.
What is the difference between Cash App and Zeffy?
Zeffy is a free all-in-one fundraising platform with a full donor CRM that every donation, ticket and membership writes into. Donation forms, monthly giving, events, peer-to-peer, auctions, raffles, a store and memberships run in one free account, and Zeffy covers the processing fee on every payment. Cash App is a money app, not a fundraising tool. Its Business account, which supports nonprofit corporations, lets you get paid by $cashtag, QR code or Tap to Pay, for 2.6% + $0.15 per payment, or 3% in person. Donation forms, tax receipts and donor records are not publicly mentioned.
Can a nonprofit use Cash App?
Yes. Cash App lists nonprofit corporations among the business types its Business account supports. Each payment then costs 2.6% + $0.15, or 3% by Tap to Pay, and Cash App's terms bar its Pools feature from raising funds for charities. For the full picture, read our guide to Cash App for nonprofits.
How much does Cash App charge a nonprofit?
Cash App deducts its fee from each payment before it reaches the Business account:
- 2.6% + $0.15 per payment from a customer's Cash App account.
- 3% per Tap to Pay payment. The payer is not charged a fee.
- No monthly fee is listed, and the account is free to create.
- Instant Transfer to your bank or card: 0.5% to 2.5% ($0.25 to $1 minimum, $75 maximum). Standard transfers are free.
- On a $100 donation: $97.25 reaches your balance, or $97.00 by Tap to Pay.
A $100 gift made on a Zeffy form reaches your nonprofit as $100, and the donor's optional contribution never comes out of it. Source: Cash App help center and terms, October 2026.
Do donors need Cash App to give?
Online, yes: a Business account receives payments from customers who use Cash App, by $cashtag, QR code, email or phone. In person, Tap to Pay accepts contactless cards and digital wallets for a 3% fee. On Zeffy, donors give on a web form by card, Apple Pay, Google Pay or US bank transfer, with no app to install.
Does Cash App send tax receipts or keep donor records?
Neither is publicly mentioned. Cash App shows payments in the account's Activity tab, and its help center describes no donation receipts or donor profiles. Zeffy sends a tax receipt on every gift and builds the donor's record in its full donor CRM: giving history, lists, thank-you emails and newsletters, all free.
Can donors pay with Cash App on Zeffy?
No. Cash App is not a payment method on Zeffy. On a Zeffy form, supporters use a card or a digital wallet, a bank transfer in the US and Canada, or a US donor-advised fund, and none of it costs your nonprofit a fee.
Should our nonprofit use Cash App or Zeffy?
Choose Zeffy to run your fundraising: donation forms, monthly giving, events, auctions and a store, with a full donor CRM and a tax receipt on every gift, and no fee taken from any of it.
Cash App takes payments by $cashtag or QR code at 2.6% + $0.15 each, with no donation forms, receipts or donor records publicly mentioned.
Is Zeffy really free?
Yes. Your nonprofit pays no processing fee, no platform fee and no subscription on Zeffy, including on payments taken by tap at an event. Donors may add an optional contribution to Zeffy at checkout; the gift reaches you in full either way. See how Zeffy is free.
Still undecided?
Keep comparing — and see why nonprofits choose Zeffy
100,000+ nonprofits trust Zeffy — and keep their fees at $0.
For 7+ years, Zeffy has supported nonprofits with free, user-friendly fundraising tools.
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As a startup nonprofit with only two members, and no funding (yet) we’d need something with low (or no) fees. Zeffy was a dream come true.
Masey, Loose Ends.
Read the full story
“We were incurring a ton of fees for our past fundraising platform and Zeffy has helped us receive so much more of our donations.”
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Amy R
Rebuilding Together Metro Chicago
Zeffy has been invaluable in helping me track our donors, sales, events, and revenue in one spot. The coolest thing about Zeffy is it really is free!
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Debra B
Glory to Glory Women's Mentoring Ministry
Everything about Zeffy suits us starting with (of course, NO fees) but also the ease of use and customer experience as well as their client support!!
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Carmen M
DIVINA World Foundation
Zeffy is very easy to use and ensures that every dollar quickly gets into our account.. A huge help to our work!
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Nathan C
Jiwa International
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