Whop vs Stripe Managed Payments
Stripe Managed Payments is Stripe's merchant-of-record product: 3.5% on top of standard processing, for 6.4% + 30¢ all-in. Against Whop's optional 2% managed tax it is 1.7 points dearer per sale and it transfers liability, which Whop's service does not. This is the cleanest statement of the MoR trade-off in the market.
Published rates side by side
| Whop | Stripe Managed Payments | |
|---|---|---|
| Rate | 2.7% + $0.30 (+2% managed tax optional) | 2.9% + $0.30 + 3.5% = 6.4% + $0.30 |
| Merchant of record | No | Yes, 75+ countries |
| What the extra buys | Calculation, collection; remittance in US/EU/UK | Tax, fraud, disputes as merchant |
| Monthly fee | None | None |
Monthly fees by volume
$10,000 a month · $75 average order · ≈133 orders
| Platform | Rate | Fees / month | Effective rate | You keep |
|---|---|---|---|---|
| Whop — base | 2.7% + $0.30 | $309 | 3.09% | $9,691 |
| Whop — with managed tax | 4.7% + $0.30 | $509 | 5.09% | $9,491 |
| Stripe Managed Payments 2.9% + 3.5% | 6.4% + $0.30 | $678 | 6.78% | $9,322 |
| Paddle MoR | 5% + $0.50 | $565 | 5.65% | $9,435 |
| Lemon Squeezy MoR | 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 | 2.7% + $0.30 | $1,551 | 3.1% | $48,449 |
| Whop — with managed tax | 4.7% + $0.30 | $2,551 | 5.1% | $47,449 |
| Stripe Managed Payments 2.9% + 3.5% | 6.4% + $0.30 | $3,402 | 6.8% | $46,598 |
| Paddle MoR | 5% + $0.50 | $2,835 | 5.67% | $47,165 |
| Lemon Squeezy MoR | 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 | 2.7% + $0.30 | $3,099 | 3.1% | $96,901 |
| Whop — with managed tax | 4.7% + $0.30 | $5,099 | 5.1% | $94,901 |
| Stripe Managed Payments 2.9% + 3.5% | 6.4% + $0.30 | $6,798 | 6.8% | $93,202 |
| Paddle MoR | 5% + $0.50 | $5,665 | 5.67% | $94,335 |
| Lemon Squeezy MoR | 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 | 2.7% + $0.30 | $7,507 | 3% | $242,493 |
| Whop — with managed tax | 4.7% + $0.30 | $12,506 | 5% | $237,494 |
| Stripe Managed Payments 2.9% + 3.5% | 6.4% + $0.30 | $16,756 | 6.7% | $233,244 |
| Paddle MoR | 5% + $0.50 | $13,761 | 5.5% | $236,239 |
| Lemon Squeezy MoR | 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 | 2.7% + $0.30 | $30,030 | 3% | $969,970 |
| Whop — with managed tax | 4.7% + $0.30 | $50,030 | 5% | $949,970 |
| Stripe Managed Payments 2.9% + 3.5% | 6.4% + $0.30 | $67,030 | 6.7% | $932,970 |
| Paddle MoR | 5% + $0.50 | $55,050 | 5.51% | $944,950 |
| Lemon Squeezy MoR | 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 | 2.7% + $0.30 | $145,067 | 2.9% | $4,854,933 |
| Whop — with managed tax | 4.7% + $0.30 | $245,067 | 4.9% | $4,754,933 |
| Stripe Managed Payments 2.9% + 3.5% | 6.4% + $0.30 | $330,067 | 6.6% | $4,669,933 |
| Paddle MoR | 5% + $0.50 | $266,778 | 5.34% | $4,733,222 |
| Lemon Squeezy MoR | 5% + $0.50 | $266,778 | 5.34% | $4,733,222 |
Migration
What moves and what breaks when leaving Stripe: migration guide. Generic sequence: checklist.
Ask Whop for a volume rate
Published rates are the ceiling; Whop's network team quotes custom pricing for larger businesses.
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 Stripe Managed Payments?
On published domestic rates, Whop's 2.7% + $0.30 base is below Stripe Managed Payments. The tables above compute the difference at $10k–$5M a month, including Whop's optional managed tax where relevant.
Is Whop a merchant of record like Stripe Managed Payments?
No. Whop offers a 2% managed tax service that calculates, collects and — in the US, EU and UK — remits, but you remain the seller. What that means.
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.