Whop fees in 2026: what Whop really takes
Whop lists no platform fee, and that's not the whole bill. Here's every fee from Whop's own pages, what a $10 member leaves you, and what owning your site costs instead.
Whop’s pricing page leads with one number: 2.7% + $0.30 “for every successful card transaction.” For new merchants, Whop lists no platform fee on top. The rest of the bill is in the details: surcharges on some cards, a fee every time you take money out, add-ons that cost extra while they’re on, and Apple’s cut in Whop’s iPhone app.
This guide walks through each fee as it stands in October 2026, using Whop’s own pricing and help pages, then works out what a real payment leaves you. Everything is in US dollars.
The short answer
| Fee | What it costs | When it applies |
|---|---|---|
| Platform fee | None listed | Whop’s pricing for new merchants has none |
| Card processing | 2.7% + $0.30 | Every successful domestic card payment |
| International cards | 1.5% more | Cards from abroad |
| Currency conversion | 1% more | When the payment has to be converted |
| Fraud screening | $0.07, plus $0.03 for a 3D Secure check | Per transaction |
| Add-ons | 0.8% orchestration, 0.5% billing, 2% tax | Only while you have them on |
| Payouts | $2.50 by next-day ACH, 4% + $2.50 instant | Each time you withdraw |
| Disputes | $15 a dispute, $29 an early alert | When a buyer disputes a charge |
| Affiliates | 30% of the sale, by default | When a Whop affiliate refers the buyer |
| Apple | 30%, covered by a 42.86% higher price in the app | One-time purchases under $700 in Whop’s iPhone app |
For a $10 monthly membership paid by US card, about $9.36 reaches your balance, before you pay to withdraw it. The sections below show where the rest goes.
How the money moves on Whop
On Whop, your business is called a whop. You add products and prices, and buyers pay through Whop’s checkout. Each buyer gets a Whop account, and finds what they bought by signing in on whop.com or in the Whop app.
Your sales land in your Whop balance. Money from a sale is usually ready to withdraw in 1 to 4 business days, and you pay a fee each time you take it out. Whop can also hold part of your balance in a reserve, for example when your account is new or doesn’t have much sales history yet. Whop says reserved money is still yours and comes back on a set date.
Card processing: 2.7% + $0.30
Whop charges 2.7% + $0.30 for every successful payment by domestic card or digital wallet. Two surcharges can stack on top:
- International cards cost 1.5% more, so 4.2% + $0.30.
- Currency conversion costs 1% more, when the payment has to be converted.
Other ways to pay have their own rates:
| How the buyer pays | What Whop charges |
|---|---|
| Domestic card or wallet | 2.7% + $0.30 |
| US bank account (ACH) | 1.5%, at most $5 |
| EU bank transfer | 1%, at most €5 |
| SEPA Debit | 1% + €0.30 |
| iDEAL | 1.5% + €0.80 |
| Crypto | 1.5% |
| Buy now, pay later | 15%, or 20% for ClarityPay No Interest |
Buy now, pay later is the big one. When a buyer splits a purchase into monthly installments through Whop’s financing partner, Whop takes 15% of the sale.
Whop also lists two small fraud fees: $0.07 per transaction for Radar, its fraud screening, and $0.03 per transaction when a card is checked with 3D Secure. The examples below count the $0.07 on every payment, the way Whop’s pricing lists it.
Add-ons: up to 6% + $0.30
Three optional tools each add a percentage to every payment, on top of processing, but only while they’re switched on:
| Add-on | What it does | Fee |
|---|---|---|
| Orchestration | Routes payments through several providers | 0.8% |
| Billing | Automatic invoices and payment retries | 0.5% |
| Tax and remittance | Works out, collects and handles tax | 2%, when tax is collected |
Whop’s pricing doesn’t say whether subscriptions need Billing switched on. With all three on and tax collected, Whop’s own table puts a domestic card payment at 6% + $0.30. On a $10 payment, that’s $0.90 instead of $0.57.
Tax is the one many sellers need. Whop’s two managed tax options each cost 2% per transaction. Handling tax yourself costs nothing extra, but then you register, collect, pay and file it yourself, everywhere you sell.
Payout fees
Every time you withdraw, Whop charges a fee. It depends on how you want the money:
| Payout method | Fee per payout |
|---|---|
| Next-day ACH to a US bank | $2.50 |
| Instant bank deposit (RTP) | 4% + $2.50 |
| Venmo (US only) | 5% + $2.50 |
| Crypto | 5% + $1.00 |
| Bank wire | $23.00 |
| Local bank outside the US | Varies by country |
There’s a $10 minimum withdrawal where it applies. Standard payouts take up to 5 business days, and instant methods take a few minutes.
Instant payouts get expensive fast. Taking out $1,000 instantly costs $42.50. By next-day ACH, it’s $2.50. These fees also went up in 2026: in February, Whop’s fees page listed instant bank deposits and Venmo with a $1.00 fixed fee, not $2.50.
Disputes and refunds
- Disputes cost $15 for each chargeback or dispute, and $29 for an early dispute alert.
- Refunds cost nothing extra, but the fees on that sale don’t come back. Whop’s own example: a customer paid $100, you received around $97 after fees, and you refund the full $100.
Affiliates: 30% by default
Whop turns on global affiliates by default. Once your product is listed, anyone in Whop’s affiliate network can promote it with their own link, and they earn 30% of each sale they refer. Your own members can get a different rate, and you can change both in your dashboard. Affiliates are paid 30 days after the sale.
Apple’s 30% in Whop’s iPhone app
When someone buys a one-time product under $700 in Whop’s iPhone app, Apple processes the payment and takes 30%. Whop doesn’t get that money, and the fee isn’t optional.
To keep your earnings the same, Whop raises those prices by 42.86% in the app. A $100 course costs $142.86 there. Apple can take up to 75 days to pay, so the sale shows as pending in your dashboard until it does. Refunds for those purchases go through Apple, not you.
Subscriptions, one-time purchases of $700 or more, and anything bought in a web browser skip Apple’s system and its 30%.
What a payment actually leaves you
These use Whop’s standard pricing with no add-ons, and count the $0.07 fraud fee on every payment.
A $10 monthly membership, paid by US card. Processing is $0.57 (2.7% of $10, plus $0.30) and fraud screening is $0.07. You keep $9.36, or about 94%.
The same $10, paid with an international card. Processing rises to $0.72. You keep $9.21, or $9.11 if currency conversion applies too.
A $3 tier, paid by US card. Processing is $0.38 and fraud screening is $0.07. You keep about $2.55, or 85%. The fixed $0.30 hits small tiers hardest.
100 members at $10 a month. Fees come to $64, leaving $936. Take it out once by next-day ACH and you keep $933.50. Over a year, with one payout a month, that’s $798 in fees on $12,000.
The same 100 members with every add-on on. At Whop’s “everything enabled” rate of 6% + $0.30, each payment costs $0.97 with fraud screening, so you keep $900.50 after one payout.
A $100 course bought in Whop’s iPhone app. The buyer pays $142.86, Apple keeps its 30%, and the sale can sit as pending for up to 75 days.
None of these include sales tax, refunds or disputes.
Can you pay Whop less?
Some fees are easy to avoid. The processing rate isn’t.
- Withdraw by next-day ACH, and less often. Each payout costs $2.50, and instant ones add 4%.
- Leave the add-ons off unless you need them. Handling tax yourself has no Whop fee, but all the tax work is yours.
- Turn on adaptive pricing for one-time sales. Buyers abroad see a price in their own currency and pay as a local payment, so you pay the domestic rate instead of the international and conversion fees. It’s free for sellers, buyers pay a small conversion fee inside that price, and it doesn’t work for subscriptions.
- Lower your affiliate rate if you don’t want to give 30% to whoever refers a buyer.
- Send iPhone buyers to the web. In Whop’s iPhone app, one-time purchases under $700 cost buyers 42.86% more, and the money can take up to 75 days to reach you. In a browser, buyers pay your normal price.
None of these change where your members live. They still sign in to Whop, on whop.com or in Whop’s app.
What Drate does instead
On fees alone, Whop costs less than Drate. At $1,000 a month from 100 members at $10, Whop’s fees come to about $66.50. On Drate, the same month costs about $118 on Regular: its $9 a month, Drate’s 5% ($50) and Stripe’s card fees ($59, at Stripe’s standard 2.9% + 30¢). Pro costs $12 a month instead of $9, or $99 a year.
What the difference buys is a home of your own instead of a whop. Drate gives you a website made around you, on your own domain and in your look. Memberships and passes, members-only posts and video, courses and a community feed live together on it, with Discord roles by membership. Members sign up on your site, not for a Whop account, and pay into your own Stripe account, which pays out to your bank. On Pro, they also get your own iOS and Android app. You’re the seller on Drate, so sales tax and VAT are yours to handle.
See everything side by side, and how switching works, in Drate as a Whop alternative. Weighing Whop against Gumroad? Here’s every fee Gumroad charges.
Questions
How much does Whop take?
Whop's pricing lists no platform fee for new merchants. You pay 2.7% + $0.30 per domestic card payment, 1.5% more for international cards, 1% more when currency conversion applies and $0.07 per transaction for fraud screening, plus $2.50 for each next-day ACH payout. A $10 membership paid by US card leaves you about $9.36 before payout fees.
Does Whop charge a platform fee or a monthly fee?
Not for new merchants. Whop's standard pricing lists no setup fee, no monthly fee and no platform fee. In December 2025, its fees page did list a 3% platform fee on purchases that use automations like Discord, Telegram and TradingView. That line was gone by February 2026.
How much does it cost to withdraw from Whop?
$2.50 for a next-day ACH payout to a US bank, 4% + $2.50 for an instant bank deposit, 5% + $2.50 to Venmo, 5% + $1.00 in crypto and $23 by bank wire. Local bank payouts outside the US vary by country.
Why do Whop products cost more in the iPhone app?
Apple processes one-time purchases under $700 made in Whop's iOS app and takes 30%. Whop raises those prices by 42.86% in the app so creators earn the same. Subscriptions, purchases of $700 or more and anything bought in a web browser go through Whop's own checkout instead.
How long does Whop take to pay out?
Whop says money from a sale is usually ready to withdraw in 1 to 4 business days. Standard payouts then take up to 5 business days, and instant methods take a few minutes for a higher fee. New accounts may have part of their balance held in a reserve.
Do Whop affiliates cost me anything?
Only when they bring a sale. Whop turns global affiliates on by default, so anyone in its network can promote your listed product and earn 30% of each sale they refer. You can change the rate in your dashboard.
Sources
Checked on October 12, 2026. Prices and terms change, so check the latest before you decide.
- Whop: Pricingwhop.com
- Whop: Feesdocs.whop.com
- Whop: Payout methodsdocs.whop.com
- Whop: Set up payoutsdocs.whop.com
- Whop: Troubleshoot payoutsdocs.whop.com
- Whop: Reservesdocs.whop.com
- Whop: Taxesdocs.whop.com
- Whop: Adaptive pricingdocs.whop.com
- Whop: In-app iOS purchasesdocs.whop.com
- Whop: Refundsdocs.whop.com
- Whop: Set up global affiliatesdocs.whop.com
- Whop: Affiliate programdocs.whop.com
- Whop: How to find your purchasedocs.whop.com
- Whop: Access content on mobiledocs.whop.com
- Whop's fees page in the Internet Archive, December 11, 2025web.archive.org
- Whop's fees page in the Internet Archive, February 15, 2026web.archive.org
- Stripe: Pricingstripe.com
