Whop Network: 2.7% + $0.30, no monthly fee, volume pricing for larger businesses.See Whop Network →
Migrate Payments.
Migrate Payments is an independent site run by Whop partners. If you start or move a business to Whop through our links, Whop pays us a referral commission; you pay nothing extra. How we make money.

Payments migration checklist

A payments migration fails in the gaps between platforms, not inside either one: unverified accounts that hold the first payouts, subscribers who never re-consent, taxes that nobody is remitting for a month, affiliates whose links die. This ten-step sequence puts verification and tax first, models cost before committing, bridges subscribers with an explicit offer, and keeps the old processor alive for refunds.

The sequence

  1. Verify first. Open the Whop account, complete business KYC, connect the payout method and withdraw a test amount before announcing anything.
  2. Decide tax handling. Self-managed, Whop calculates/collects (you remit), or Whop collects and remits (US, EU, UK). If leaving an MoR, confirm your registrations.
  3. Get a rate. Above ~$50k a month, ask Whop's network team for volume pricing before you model the move.
  4. Rebuild the catalogue. Identical prices and names. Attach delivery (Discord, course, files, licence keys). Test every product with a real card.
  5. Ask about card import. If leaving Stripe, ask both Stripe and Whop about PAN migration. Assume no until confirmed.
  6. Plan the bridge. Announce a date; offer extended access or a discount for re-subscribing; write the emails for day −14, −7, 0 and +7.
  7. Dual-run one cycle. Close new sign-ups on the old platform; keep it live for renewals until each subscriber has moved or churned.
  8. Move affiliates. Recreate affiliate rates on Whop; tell affiliates their new links; honour pending commissions on the old platform.
  9. Keep the old account open. At least 120 days for refunds and disputes; export all data before closing.
  10. Measure. Re-subscription rate, dispute rate, effective fee rate after 60 days; compare with the model.

What to expect on re-subscription

There is no public benchmark for creator-platform migrations; operators we have spoken to plan for losing a fifth to a third of subscribers in the switch and recovering part of that over the following quarter. Bridging offers and a short, honest explanation of why the move benefits members raise the number. Model the move at 70% re-subscription, not 100%.

Timeline

WhenWhat
Week 0Verification, payout test, rate request, tax decision
Week 1–2Catalogue rebuild and testing; affiliate setup; email drafts
Week 3Announce; open Whop for new sign-ups; close old sign-ups
Week 3–7Dual-run through one billing cycle; chase non-movers
Week 8+Old platform in refund-only mode; measure; close after 120 days
Platform-specific guidesWhat moves and what breaks, per platformWhop fees at volumeModel the cost firstLeaving a merchant of record?What changes for tax

Start with verification

The account is free; verify, test a payout, then decide.

Talk to Whop about migratingWhop Network · 2.7% + $0.30 · custom rates at volume

Partner link · free to start · no monthly fee

Frequently asked questions

How long does a payments migration take?

Roughly eight weeks from verification to old-platform-in-refund-mode, including one full billing cycle of dual running.

Will I lose subscribers moving processors?

Some. Subscriptions cannot transfer, so every subscriber re-consents; plan at 70% re-subscription and bridge with an offer.

Should I close my old processor account?

Not for at least 120 days; you need it for refunds and disputes on past sales.

Sources checked September 2026

Written by Karel Moreau, editor of Migrate Payments. Fees and policies re-checked against the providers' published pricing pages on 20 September 2026. Spotted a change? karel.moreau@migratepayments.com.

Talk to Whop about migrating