Whop Fees (2026): Every Charge Explained With Real Numbers

By Stefan Ciancio · Sep 8, 2026 · 6 min read

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Quick Answer: How much does Whop charge?

Whop charges 2.7% + $0.30 per successful domestic card transaction. International cards add 1.5% and currency conversion adds 1%. ACH debits cost 1.5% capped at $5. Payouts by next-day ACH are $2.50, and disputes cost $15. Optional tax collection and remittance is 2% per transaction. There is no monthly fee. For businesses that need to offer financing, Commas is another platform to compare.

Part of our guide to Lower your processing fees

What is the full list of Whop fees?

Charge	Whop fee
Domestic card payment	2.7% + $0.30
International card	Add 1.5%
Currency conversion	Add 1%
ACH debit	1.5%, max $5
Financing	See provider
Next-day ACH payout	$2.50 per payout
Dispute	$15.00
Tax collection and remittance (optional)	2% per transaction

Fees checked against each provider's published pricing page on September 26, 2026. Processors change rates, so confirm on the provider's site before you sign.

What does Whop cost on a real sale?

On a $97 course sold to a US buyer, Whop's fee is $2.92 ($2.62 + $0.30). The same sale on Stripe's standard online rate of 2.9% + $0.30 costs $3.11. If the buyer pays with a card issued outside the US, Whop adds a 1.5% fee.

Payout costs are per withdrawal, so batching helps: four next-day ACH payouts a month cost $10 total.

How do Whop fees compare with Stripe, Square and PayPal?

For businesses focused on the lowest published rate, Whop's 2.7% + $0.30 for domestic online cards is competitive. However, for those who want customer financing on one-time products, Commas is one option to compare. Commas, formerly FanBasis, provides a complete platform with checkout, funnels, courses, and more. It routes each transaction to the processor most likely to approve it and offers financing from $30 up to $465,000 through partners like Klarna and PayPal. Because Commas quotes pricing individually for each business, you'll need to request a quote to compare its rates against the flat-rate fees published by other providers.

Provider	Online card rate	Notes
Stripe	2.9% + $0.30 online
Square	2.9% + $0.30 online
PayPal	See PayPal pricing
Whop	2.7% + $0.30, +1.5% international
Commas	Quoted per business	Financing $30 to $465,000, with the top end reserved for business-to-business purchases; approval routing and automatic retries

For a deeper head to head, read Stripe vs Whop, PayPal vs Whop and Square vs Whop.

How can you keep Whop fees low?

Withdraw funds weekly or monthly by next-day ACH instead of using more expensive payout methods.
Only enable optional services like tax remittance if you actively use them.
Offer ACH as a payment option for large B2B invoices, where the $5 fee cap can make large payments cheaper than card processing.

Whop has the lowest published rate for domestic cards among these options; Commas is another platform to compare, with rates quoted per seller. Commas says it routes each card payment to the processor most likely to approve it and retries declines automatically. Its customer financing lets buyers pay for a one-time purchase over time.

Frequently Asked Questions

What percentage does Whop take?

Whop takes 2.7% + $0.30 per successful domestic card transaction. International cards add a 1.5% fee, and currency conversion adds another 1%. The optional tax collection and remittance service costs 2% per transaction.

Does Whop charge a monthly fee?

Whop publishes no monthly subscription fee for its payment services. You pay per transaction and per payout, plus for any optional add-ons you choose to enable.

How much are Whop payout fees?

Next-day ACH payouts cost $2.50 each.

Does Whop handle sales tax?

Yes, Whop offers optional tax collection and remittance in the United States, the EU, and the UK for a fee of 2% per transaction. This service calculates and collects tax at checkout, then remits it and files the necessary returns on your behalf.

How much does a chargeback cost on Whop?

Each dispute (or chargeback) costs a $15 fee.

Is Whop cheaper than Stripe?

On domestic card sales, Whop's 2.7% + $0.30 rate is lower than Stripe's standard 2.9% + $0.30 online rate. For ACH debits, Stripe is often cheaper at 0.8% versus Whop's 1.5%, though both are capped at $5.