Whop fees: what Whop charges per payment and per payout
Whop fees in 2026: 2.7% + $0.30 per domestic card payment, plus international, conversion, tax and payout fees. Worked examples and a fee calculator.
On this page
Whop charges 2.7% + $0.30 per successful payment made with a domestic card, with no monthly fee for Whop Payments listed on its pricing page. On top of that come +1.5% for an international card, +1% when currency conversion applies, optional fees for orchestration, billing and tax, a flat $15 per dispute, and a fee each time you withdraw (from $2.50).
All figures below come from Whop’s published pricing, checked on 11 November 2026. They’re standard rates for new merchants; negotiated rates can differ.
Whop fees calculator
Enter an order amount, choose the payment method and the options you use, and see what Whop keeps and what you receive.
Whop fee calculator
Customer pays$100.00
- Processing · 2.7% + 0.30−$3.00
Whop keeps$3.00
You receive$97.00
Effective rate 3.00% · before payout fees
Whop payment processing fees
Cards and wallets (Apple Pay, Google Pay)
| Fee | Rate |
|---|---|
| Domestic card, US / Canada / EU / UK / Australia | 2.7% + $0.30 |
| International card (payment processed in the US, card or customer outside the US) | +1.5% |
| Currency conversion (processor settles in another currency than yours) | +1% (2% in Argentina) |
| Argentina, Chile, Colombia, Costa Rica, Guatemala, Mexico, Uruguay | 2.9% + $0.30 |
| Dominican Republic, Peru | 4.9% + $0.30 |
| Brazil | 8% + $0.30 |
The region is where the payment is processed, not where your business is. The $0.30 is set in USD and converted to your settlement currency.
Other payment methods
| Method | Whop fee |
|---|---|
| PayPal | 2.9% + $0.30 |
| Crypto | 1.5% |
| Financing (Klarna, Afterpay and other partners) | 15% (20% for ClarityPay No Interest) |
| ACH direct debit (US) | 1.5%, max $5* |
| SEPA Direct Debit | 1% + €0.30 |
| EU bank transfer | 1%, max €5 |
| iDEAL | 2.5% + €0.80 |
| Cash App Pay | 2.7% + $0.30 |
*Whop’s main fees page says 1.5% capped at $5; its local payment methods page says 0.8% capped at $5. Check your own rate in the dashboard.
Optional services (Whop platform fees)
| Service | Fee | When |
|---|---|---|
| Orchestration (routes across several processors) | 0.8% | When enabled |
| Billing (invoices, retries, lifecycle) | 0.5% | When enabled |
| Tax and remittance | 2% | When enabled and tax is collected |
With everything on and tax collected, a domestic card costs 6% + $0.30.
Fraud and disputes
| Event | Fee |
|---|---|
| Card dispute | $15.00 |
| Early dispute alert (RDR, Ethoca) | $29.00 |
| 3D Secure | $0.03 per transaction |
| Radar fraud detection | $0.07 per transaction |
| SEPA return / dispute | €7.50 / €20.00 |
| ACH return / dispute | $10.00 / $25.00 |
Worked examples
Processing fee only (Radar and 3D Secure, at most $0.10 per order, left out):
| Order | Scenario | Whop fee | You receive | Effective rate |
|---|---|---|---|---|
| $20 | Domestic card | $0.84 | $19.16 | 4.2% |
| $50 | Domestic card | $1.65 | $48.35 | 3.3% |
| $50 | International card | $2.40 | $47.60 | 4.8% |
| $50 | International card + conversion | $2.90 | $47.10 | 5.8% |
| $100 | Domestic card | $3.00 | $97.00 | 3.0% |
| $100 | Domestic card, tax collected (2%) | $5.00 | $95.00 | 5.0% |
| $100 | Domestic card, all options on | $6.30 | $93.70 | 6.3% |
| $100 | Crypto | $1.50 | $98.50 | 1.5% |
| $100 | PayPal | $3.20 | $96.80 | 3.2% |
| $300 | Klarna (financing) | $45.00 | $255.00 | 15.0% |
| $500 | Domestic card | $13.80 | $486.20 | 2.8% |
| $500 | ACH (1.5% capped) | $5.00 | $495.00 | 1.0% |
How the $50 international + conversion line is built: 2.7% + 1.5% + 1% = 5.2% of $50 = $2.60, plus $0.30 = $2.90.
The fixed $0.30 hurts small baskets: on a $20 order it’s half the fee. If your average order is under $30, the percentage you quote yourself is not the one you pay.
Whop withdrawal fees
Money from sales lands in your Whop balance, then you withdraw it.
| Payout method | Fee | Speed |
|---|---|---|
| Next-day ACH (US bank) | $2.50 | Next business day |
| Instant bank deposit (RTP) | 4% + $2.50 | Instant where supported |
| Crypto | 5% + $1.00 | — |
| Venmo (US) | 5% + $2.50 | Instant |
| Bank wire | $23.00 | 1–2 business days (US) |
| International local bank | Varies by country | Varies |
The minimum withdrawal is $10. Standard payouts take up to 5 business days. You can set automatic withdrawals (keep a minimum balance for refunds and disputes) and must complete identity verification before the first payout.
Example: withdrawing $1,000 costs $2.50 by next-day ACH, $23 by wire, or $42.50 by instant RTP. One weekly ACH payout instead of daily instant ones is the cheapest habit.
A month on Whop: full example
A WooCommerce store selling 200 orders of $50 to US customers, paid by domestic card, withdrawn once a week by next-day ACH:
| Line | Amount |
|---|---|
| Sales | $10,000.00 |
| Processing: 200 × $1.65 | −$330.00 |
| Payouts: 4 × $2.50 | −$10.00 |
| Net before plugin | $9,660.00 (3.4% total) |
Add one $15 dispute and the month costs $345. Compare the same month on Stripe in Whop vs Stripe.
Fees outside Whop’s grid
- The plugin. WhopForWoo is a fixed licence ($49/year for one site, or $129 one-time), not a percentage. See pricing.
- Reserves aren’t fees. Whop may hold part of your balance on new or risky accounts; the money is released on scheduled dates.
Frequently asked questions
How much does Whop take per sale?
2.7% + $0.30 per successful payment with a domestic card in the US, Canada, the EU, the UK or Australia. International cards add 1.5%, currency conversion adds 1%, and optional services add up to 3.3% more.
What is Whop's pricing for sellers?
Whop Payments is priced per transaction: a processing fee on each successful payment, optional fees for orchestration (0.8%), billing (0.5%) and tax (2%), flat fees for disputes, and a fee per payout depending on the method.
What are Whop withdrawal fees?
$2.50 for next-day ACH to a US bank, 4% + $2.50 for an instant bank deposit (RTP), 5% + $1.00 for crypto, 5% + $2.50 for Venmo and $23 for a bank wire. Local bank payouts vary by country. The minimum withdrawal is $10.
What are Whop payment processing fees for PayPal, crypto and Klarna?
PayPal 2.9% + $0.30, crypto 1.5%, and financing partners such as Klarna or Afterpay 15% (20% for ClarityPay No Interest).
Does a WooCommerce plugin change Whop's fees?
No. Whop charges the same rates whether the buyer pays through a checkout link, Whop's hosted page or an embedded checkout. The plugin licence is a separate, fixed cost.