Whop payment methods: every way your customers can pay

Whop accepts cards, Apple Pay, Google Pay, PayPal, crypto, US bank transfers (ACH), Cash App, European methods (SEPA Debit, Bancontact, iDEAL, EU bank transfers, Swish, MobilePay, Vipps) and, for approved businesses, financing through Klarna, Afterpay and others. You don’t switch most of them on: Whop shows the eligible ones automatically based on where the customer is, the currency and the amount.

Below: each method with its fee and limits, the conditions that make it appear, and what changes when the checkout is embedded on your own WooCommerce store.

Overview table

Source: Whop’s local payment methods and fees pages, November 2026.

When does a payment method appear?

Whop’s rule: a local method shows if the customer is in an eligible country (by IP address), the checkout is in an eligible currency, the amount fits the method’s maximum, the method supports the pricing type (one-time or subscription), and you haven’t disabled it. The customer’s location counts, not yours. A Dutch customer can see iDEAL from a US merchant; a US customer may see ACH or Cash App.

Two practical consequences:

• VPNs hide local methods. If a customer says a method is missing, ask them to turn off their VPN.
• iDEAL does not show on embedded checkouts or direct whop.com/checkout/... links, only on checkouts opened from your Whop store or product page. On a WooCommerce store using the embedded form, Dutch customers pay by card, wallet or another method instead.

Whop Klarna (and other financing)

Klarna on Whop is part of the financing program, along with Afterpay, Sezzle, Splitit and Zip Pay. The customer pays in installments; you receive the full amount upfront, minus fees (Sezzle funds settle after 15 days).

It is not on by default. Whop’s requirements:

• a fully set up and verified Whop Payments account and a complete store page;
• an eligible category (no gambling, betting, trading signals, credit offers or adult content);
• a dispute rate under 2% over the last 90 days (new Whop businesses submit 90 days of statements from their previous processor);
• at least $30,000 processed from 10+ customers in the last 90 days.

You apply from the Checkout links page of your dashboard (Create checkout link → One-time → Payment methods → Apply for financing). The fee is 15% per financed sale (20% for ClarityPay No Interest), and some providers hold a reserve on financed sales (Splitit: 15% for 180 days). Klarna’s limits vary by country: $0.50–$10,000 in the US, €1–€1,500 in France, £1–£2,000 in the UK.

At 15%, financing is worth it for higher-ticket items where installments lift conversion. For a $30 product, it rarely is.

Whop GPay (Google Pay) and Apple Pay

Both wallets are charged at the card rate. On Whop-hosted pages they work with no setup. When the payment form is embedded on your own domain, Whop requires Apple Pay to be ready on that domain: you host Whop’s verification file at /.well-known/apple-developer-merchantid-domain-association and register the domain in your Whop dashboard. One verified domain clears both Apple Pay and Google Pay.

WhopForWoo enables Apple Pay and Google Pay on every checkout it creates, so once your domain is verified the buttons appear in the embedded form on compatible devices. Step-by-step: Apple Pay on WooCommerce.

Whop ACH payment

ACH lets US customers pay straight from their bank account, in USD, from $0.50 to $1M, for one-time and recurring payments.

• Settlement: 4 business days from the payment (2 for eligible US merchants), then your normal payout.
• Fee: Whop’s pages currently disagree. The local payment methods page says 0.8% capped at $5; the pricing page says 1.5% with a $5 maximum. Check your dashboard before you price around it.
• Returns and disputes: $10 per returned ACH payment, $25 per ACH dispute. NACHA disputes are final: you can’t appeal.
• Refunds: full and partial, paid from your Whop balance.

ACH suits higher-value orders where the card fee hurts. It is slower to settle, so don’t ship before the payment is confirmed. With WhopForWoo that’s automatic: the order is only marked paid once Whop reports the payment as paid.

Crypto

Customers pay with crypto; Whop converts to USD at checkout and settles to your balance in USD. Fee 1.5%, one-time payments only. There are no chargebacks: on-chain payments are irreversible. Refunds are sent from your balance. Selling crypto is prohibited on Whop; accepting crypto as payment is not.

PayPal

PayPal covers 19 currencies at 2.9% + $0.30, for one-time and recurring payments. You turn it on per checkout link. To receive payouts to your own PayPal account, the customer must have paid with PayPal.

Cards

Visa, Mastercard and other cards at 2.7% + $0.30 for domestic cards, +1.5% for international cards and +1% when currency conversion applies. 3D Secure costs $0.03 per transaction and Radar fraud screening $0.07. Disputes cost $15 each. Full cost breakdown on Whop fees.

Payment methods on a WooCommerce store

With WhopForWoo, the Whop form sits inside your WooCommerce checkout and shows whatever Whop makes eligible for that customer and amount. You don’t configure methods in WooCommerce. What you control in the plugin is the form itself: language (12 languages or follow the site), light or dark theme, button colour, background and corner radius.

If a method you expect is missing, check Whop payment issues first; most cases are location, currency or amount.