How are winners and losers determined?
Winners in a challenge are calculated based on the number of misses you have and not the number of check ins. Therefore, all the participants in the challenge with the least amount of misses will be the winners of the challenge.
Winnings aren't calculated until the very end of the challenge, which can be vary depending on timezones of all the players. Once a challenge ends, SPAR! will then attempt to collect all penalties incurred by the losers of the challenge.