How to collect club dues online: limits and fees by app

What can each payment app handle for a club?

As of October 2026, an account cap is the first thing to check before you pick an app. This table lists the limit, the fee and the main catch for four common payment apps.

App	Limit on an ordinary account	Fee	Catch
Venmo	Unverified: $299.99 a week to spend. Verified: up to $60,000 a week	$0.00 for personal payments. 2.99% when the payer marks goods and services. 1.9% + $0.10 per payment on a business profile	Raising the limit means verifying your identity, which needs an SSN or ITIN
Cash App	Unverified: $1,000 to send and receive per rolling 30 days. Verified: send up to $40,000 per rolling 30 days	Free from Cash balance, bank or debit card. 3% from a credit card	The Terms list Pools as personal use only
PayPal	Pools: up to $20,000 per pool, 5 active pools per person	Personal sends from balance or bank: no fee. Cards: 2.90% + $0.30	All money in a pool belongs to the pool creator
Zelle	Set by your bank or credit union	Typically none for consumers. Your bank sets any fee	Requests reach enrolled users only. Payments cannot be reversed

Any of these can change, so check the app before you announce a deadline.

What do those limits mean for real dues?

Limits matter most when dues are large or the club is big. Here are three cases with numbers.

• Annual dues of $350 on Venmo. Venmo’s unverified weekly limit is $299.99 for everything a person spends, so a member with an unverified account cannot pay $350 in one week. They can verify, or pay two $175 parts more than a week apart if nothing else counts against the cap.
• A 30-member club at $50 on Cash App. The treasurer is collecting $1,500 in about a month, which is above the $1,000 an unverified account can receive per rolling 30 days. For a verified account, receive limits are set per account and shown in the Limits tab.
• The same $1,500 on Venmo, with fees. If every member marks the $50 as goods and services, the receiving account pays 2.99%, which is $44.85 across 30 payments. On a Venmo business profile, 1.9% + $0.10 per payment comes to $1.05 on each $50, or $31.50 in total. Personal payments cost the receiver nothing.

Do Pools work for dues?

Pools hold money from several people in one place, and each app has rules that decide whether that suits a club.

Cash App describes Pools for shared expenses like a trip or a gift, and its Terms list them as personal use only. The organizer must have a verified identity, pooled money stays separate from the Cash balance, and it can leave the pool only after the pool is closed. Starting a pool and contributing from a Cash balance is free, and a credit-card contribution costs 3%.

PayPal describes Pools as a way to pool money together for group purchases. They allow up to $20,000 per pool and 5 active pools per person. Creating one needs a PayPal Balance account, identity verification and good standing, and contributors do not need a PayPal account. PayPal states that all money in the pool belongs to the pool creator, so the person who creates it is the person holding the club’s money. Make that the treasurer on record.

How do you collect dues, step by step?

1. Fix the amount and the deadline. One number, one date, and what it covers: “$50 for the spring term, due March 1.” Everything else in the process depends on members seeing the same message.
2. Send one request to each member. In Venmo, tap Pay/Request, add people with the plus icon, set each person’s amount and write one note, which every recipient sees. Cash App takes a name, $cashtag, phone or email with a $1 minimum, or a reusable payment link that can request money from several people. A PayPal request goes to anyone with an email address. A Venmo charge request does not move money until the member accepts it.
3. Chase once. A few days after the deadline, send each unpaid member a single message with the amount and the way to pay. Any further step, such as a late fee or a suspended membership, should already be written in the club’s rules before the first request goes out.
4. Log every payment. Record who paid, how much and on what date as soon as the money lands, so the question “did you get mine?” has an answer.

How do you track who has paid?

A ledger answers “who is still open” without scrolling through payment histories. A printable club dues tracker works for a small club, and an EvenOut group does the same job with less typing.

In EvenOut, the treasurer adds the dues as one expense. Say 12 other members each owe $50. The treasurer enters $600, sets “Paid by you”, picks “Split equally” and taps themselves out so they show as “Not in”. Each member now owes $50, and the group’s Balances list shows “{name} owes you” for each one. As money arrives, the treasurer opens Settle up and records it, and partial payments work if a member pays in two parts.

Members who are not on EvenOut can be added with “Add a guest”, which tracks their share now and lets them claim it later. “Send a reminder” in the group menu shares a message or sends an email, at most once a day per person. A club that charges monthly can set the expense to Repeat monthly, and EvenOut adds the next one on its own.

EvenOut does not move money, so the app limits and fees above still apply to the payment itself. It keeps the record.

What to do next

Pick the app your members already use, check its limit against your dues, and send the first round of requests with a date. For the rest of the treasurer’s work, see what a club treasurer does, and for leagues that collect a buy-in instead of dues, how fantasy football dues work.