Whop Payments
Whop Payments is Whop's payment processing product: 2.7% + $0.30 per domestic card transaction, no monthly fee. It handles cards and wallets, 100+ local payment methods, subscriptions, payouts to 200+ countries, fraud tooling and — as optional add-ons — billing automation, payment orchestration and managed tax. It is sold to businesses as Whop Network, and it is the same processor behind every seller on the Whop marketplace.
What it costs
| Item | Rate |
|---|---|
| Cards and wallets, domestic | 2.7% + $0.30 |
| International card | +1.5% |
| Currency conversion | +1% |
| ACH debit | 1.5%, max $5 |
| In-person (Tap to Pay on iPhone) | 2.7% + $0.05 |
| Financing / BNPL | 15% via partners |
| Dispute | $15.00 |
| Monthly fee | None |
Optional services: billing automation 0.5%, payment orchestration 0.8%, managed tax 2% on taxed sales, affiliate processing 1.25%. Whop's own all-in example with every option enabled is 6% + $0.30. The full schedule with volume bands has the arithmetic.
What is included
- Checkout — hosted links or embedded checkout on your own site.
- 100+ local payment methods, surfaced by the customer's location: ACH, SEPA, iDEAL, Bancontact, Cash App, Vipps, MobilePay, Swish, crypto.
- Subscriptions — plans, trials, payment plans, a customer portal, and access revocation when a subscription lapses. Detail.
- Payment orchestration (0.8%) — routes each payment to the provider most likely to authorise it.
- Payouts to 200+ countries with KYC and tax forms handled. Detail.
- Fraud tooling — Radar screening $0.07, 3-D Secure $0.03 per transaction.
- Affiliates with automatic commission payouts at 1.25% processing. Detail.
- Cards, invoices and treasury yield — see Whop Cards.
What it is not
Whop is not a merchant of record. It processes in your name and sells a 2% managed tax service that calculates, collects and — in the US, EU and UK — remits, but the tax liability stays with you. Paddle, Lemon Squeezy and Gumroad take that liability; Stripe sells it as Managed Payments at +3.5%. What the difference means.
Whop Payments vs the processor you have
Against Stripe the headline rate is 0.2 points lower and the commerce layer — storefront, access control, subscriptions UI, affiliates — is included rather than built. Against PayPal it is materially cheaper on every card transaction. The full comparisons: vs Stripe, vs PayPal, vs Paddle.
Who it is for
Businesses selling digital access — communities, courses, software, alerts — that would otherwise stitch a processor to a gating tool. Whop lists Polymarket, Kalshi, Cal.com and Replit among its network customers and states that sellers earned $300M+ in the last month across 27,000+ businesses.
Get a rate for your volume
Published rates are the ceiling. Whop's network team quotes volume-based and country-specific pricing.
Talk to Whop about migratingWhop Network · 2.7% + $0.30 · custom rates at volumePartner link · free to start · no monthly fee
Frequently asked questions
What is Whop Payments?
Whop's payment processing product: 2.7% + $0.30 per domestic card transaction with no monthly fee, including checkout, subscriptions, local payment methods, payouts and fraud tooling.
How much does Whop Payments cost?
2.7% + $0.30 domestic cards, +1.5% international, +1% currency conversion. Optional billing 0.5%, orchestration 0.8%, managed tax 2%, affiliate processing 1.25%. No monthly fee.
Is Whop Payments a merchant of record?
No. Whop processes in your name and offers a 2% managed tax service; liability stays with you.
Is Whop Payments cheaper than Stripe?
On the published domestic card rate, yes — 2.7% + $0.30 against Stripe's 2.9% + $0.30. Stripe is cheaper on ACH and instant payouts.
Does Whop Payments work outside the US?
Yes. It surfaces 100+ local payment methods by customer location and documents payouts to 200+ countries in local currency.
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.