Whop vs Stripe
Stripe is the benchmark processor and its published rate is 0.2 points above Whop's. Stripe wins on ACH, instant payouts, developer surface and the breadth of its platform. Whop wins on the bundled commerce layer — storefront, delivery, subscriptions UI, affiliates, marketplace — and on payment orchestration across providers. For a business whose product is access, Whop replaces Stripe plus several tools; for a business with a mature Stripe integration, the saving is small and the rebuild is not.
Published rates side by side
| Whop | Stripe | |
|---|---|---|
| Domestic card | 2.7% + $0.30 | 2.9% + $0.30 |
| International card | +1.5% | +1.5% |
| Currency conversion | +1% | +1% |
| ACH debit | 1.5%, max $5 | 0.8%, max $5 |
| BNPL / financing | 15% via partners | Varies by method |
| Disputes | $15 | $15 |
| Fraud tooling | $0.07 Radar + $0.03 3DS | Radar from $0.05 |
| Subscriptions | 0.5% optional | Billing 0.7% |
| Tax | 2% managed | Tax 0.5% calc; Managed Payments +3.5% MoR |
| Instant payout | 4% + $1 (RTP) | 1.5%, min $0.50 |
| Merchant of record | No | Optional (+3.5%) |
| 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 domestic cards | 2.7% + $0.30 | $309 | 3.09% | $9,691 |
| Stripe standard | 2.9% + $0.30 | $329 | 3.29% | $9,671 |
$50,000 a month · $75 average order · ≈667 orders
| Platform | Rate | Fees / month | Effective rate | You keep |
|---|---|---|---|---|
| Whop domestic cards | 2.7% + $0.30 | $1,551 | 3.1% | $48,449 |
| Stripe standard | 2.9% + $0.30 | $1,651 | 3.3% | $48,349 |
$100,000 a month · $75 average order · ≈1,333 orders
| Platform | Rate | Fees / month | Effective rate | You keep |
|---|---|---|---|---|
| Whop domestic cards | 2.7% + $0.30 | $3,099 | 3.1% | $96,901 |
| Stripe standard | 2.9% + $0.30 | $3,299 | 3.3% | $96,701 |
$250,000 a month · $99 average order · ≈2,525 orders
| Platform | Rate | Fees / month | Effective rate | You keep |
|---|---|---|---|---|
| Whop domestic cards | 2.7% + $0.30 | $7,507 | 3% | $242,493 |
| Stripe standard | 2.9% + $0.30 | $8,007 | 3.2% | $241,993 |
$1,000,000 a month · $99 average order · ≈10,101 orders
| Platform | Rate | Fees / month | Effective rate | You keep |
|---|---|---|---|---|
| Whop domestic cards | 2.7% + $0.30 | $30,030 | 3% | $969,970 |
| Stripe standard | 2.9% + $0.30 | $32,030 | 3.2% | $967,970 |
$5,000,000 a month · $149 average order · ≈33,557 orders
| Platform | Rate | Fees / month | Effective rate | You keep |
|---|---|---|---|---|
| Whop domestic cards | 2.7% + $0.30 | $145,067 | 2.9% | $4,854,933 |
| Stripe standard | 2.9% + $0.30 | $155,067 | 3.1% | $4,844,933 |
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?
On published domestic rates, Whop's 2.7% + $0.30 base is below Stripe. 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?
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.