Migrating from Paddle to Whop
Paddle charges 5% + 50¢ and is the merchant of record: it is the legal seller, it owns tax liability worldwide, and it handles fraud and disputes. Leaving Paddle for Whop cuts the rate to 2.7% + $0.30 (or 4.7% + $0.30 with Whop's managed tax on taxed sales) but makes you the seller again. That is a compliance decision before it is a pricing one.
Verdict: Depends — read on
What moves
- Product catalogue and pricing — recreated.
- Customer list — export from Paddle.
- Subscriptions — cannot transfer; Paddle is the merchant, so the customer's relationship is with Paddle.
What breaks
- Merchant-of-record status. You become responsible for tax registration where thresholds are met; Whop's 2% service collects and, in the US/EU/UK, remits, but liability is yours.
- Paddle's global tax coverage: Whop's "collect and remit" option covers US states, EU and UK; "calculate and collect" covers 90+ countries via its tax partner, with you remitting.
- Paddle's invoicing and B2B quote workflows.
What you lose
Liability transfer, Paddle's worldwide tax coverage, its dispute handling as merchant.
What you gain
Roughly 2.3 points on every sale before tax service, storefront and delivery, affiliates, payouts product, orchestration.
What it costs, by monthly volume
Published domestic rates, computed at the stated average order size. Paddle: 5% + $0.50 per checkout transaction. Whop: 2.7% + $0.30 base; the second Whop row adds the optional 2% managed tax service as if every sale were taxed, which is the upper bound.
$10,000 a month · $75 average order · ≈133 orders
| Platform | Rate | Fees / month | Effective rate | You keep |
|---|---|---|---|---|
| Whop — base domestic cards | 2.7% + $0.30 | $309 | 3.09% | $9,691 |
| Whop — with managed tax if you enable the 2% service | 4.7% + $0.30 | $509 | 5.09% | $9,491 |
| Paddle published rate | 5% + $0.50 | $565 | 5.65% | $9,435 |
$50,000 a month · $75 average order · ≈667 orders
| Platform | Rate | Fees / month | Effective rate | You keep |
|---|---|---|---|---|
| Whop — base domestic cards | 2.7% + $0.30 | $1,551 | 3.1% | $48,449 |
| Whop — with managed tax if you enable the 2% service | 4.7% + $0.30 | $2,551 | 5.1% | $47,449 |
| Paddle published rate | 5% + $0.50 | $2,835 | 5.67% | $47,165 |
$100,000 a month · $75 average order · ≈1,333 orders
| Platform | Rate | Fees / month | Effective rate | You keep |
|---|---|---|---|---|
| Whop — base domestic cards | 2.7% + $0.30 | $3,099 | 3.1% | $96,901 |
| Whop — with managed tax if you enable the 2% service | 4.7% + $0.30 | $5,099 | 5.1% | $94,901 |
| Paddle published rate | 5% + $0.50 | $5,665 | 5.67% | $94,335 |
$250,000 a month · $99 average order · ≈2,525 orders
| Platform | Rate | Fees / month | Effective rate | You keep |
|---|---|---|---|---|
| Whop — base domestic cards | 2.7% + $0.30 | $7,507 | 3% | $242,493 |
| Whop — with managed tax if you enable the 2% service | 4.7% + $0.30 | $12,506 | 5% | $237,494 |
| Paddle published rate | 5% + $0.50 | $13,761 | 5.5% | $236,239 |
$1,000,000 a month · $99 average order · ≈10,101 orders
| Platform | Rate | Fees / month | Effective rate | You keep |
|---|---|---|---|---|
| Whop — base domestic cards | 2.7% + $0.30 | $30,030 | 3% | $969,970 |
| Whop — with managed tax if you enable the 2% service | 4.7% + $0.30 | $50,030 | 5% | $949,970 |
| Paddle published rate | 5% + $0.50 | $55,050 | 5.51% | $944,950 |
$5,000,000 a month · $149 average order · ≈33,557 orders
| Platform | Rate | Fees / month | Effective rate | You keep |
|---|---|---|---|---|
| Whop — base domestic cards | 2.7% + $0.30 | $145,067 | 2.9% | $4,854,933 |
| Whop — with managed tax if you enable the 2% service | 4.7% + $0.30 | $245,067 | 4.9% | $4,754,933 |
| Paddle published rate | 5% + $0.50 | $266,778 | 5.34% | $4,733,222 |
When to move, when to stay
Move if most revenue is US/EU/UK, you are comfortable being seller of record, and volume makes 2–3 points material. Stay if you sell globally and value liability transfer above margin.
How to run the migration
- Open a Whop account and complete business verification before anything else; payout holds on a new account are the most common migration complaint.
- Recreate products at identical prices. Decide on tax: self-managed, Whop calculates/collects, or Whop collects and remits.
- Ask Whop's sales team about volume pricing and, if you are on Stripe, about card-data import.
- Announce a switch date; offer a bridging discount or extended access so subscribers re-consent willingly.
- Run both processors for one billing cycle. Close new sign-ups on Paddle, then cancel remaining subscriptions there as they renew on Whop.
- Keep the Paddle account open for refunds and disputes for at least 120 days.
The generic sequence, with timing, is on the migration checklist.
Get a volume quote from Whop
Whop's network team quotes custom rates for larger businesses. Tell them your monthly volume and current platform.
Talk to Whop about migratingWhop Network · 2.7% + $0.30 · custom rates at volumePartner link · free to start · no monthly fee
Frequently asked questions
Is Whop cheaper than Paddle?
On published rates, Whop's 2.7% + $0.30 base is below Paddle's 5% + $0.50 per checkout transaction. Add 2% if you use Whop's managed tax service to replace merchant-of-record handling.
Can I transfer subscriptions from Paddle to Whop?
No processor allows subscription transfer; customers re-subscribe. Plan a bridging offer and a dual-running period.
Does Whop replace everything Paddle does?
No. Liability transfer, Paddle's worldwide tax coverage, its dispute handling as merchant.
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.