How Much Does Whop Take? Fees Explained

Whop’s standard fee for a successful domestic card payment is 2.7% + $0.30, or $3 on a $100 sale, plus a $0.07 fraud-detection fee. International cards add 1.5%, currency conversion adds 1%, and separate charges apply to ACH payments, financing, payouts, and disputes; standard pricing has no monthly or setup fee.

These figures come from Whop’s published pricing and fee documentation.

What are Whop’s fees at a glance?

Whop has changed its fee structure before and may change it again, so the linked first-party pages are the source of record.

What is Whop’s standard transaction fee?

For a US seller charging a US buyer’s card, Whop’s standard processing rate is 2.7% + $0.30 per successful transaction. Whop’s current pricing does not show a separate platform-fee percentage for a basic card sale.

On a $100 domestic card sale, the standard processing charge is $3.00. Whop also lists a $0.07 fraud-detection fee per successful transaction, bringing those two charges to $3.07 and leaving approximately $96.93 before any other applicable fees.

Whop’s standard pricing has no setup fee and no monthly cost. However, a sale made through a financing or buy-now-pay-later partner such as Klarna carries a 15% transaction fee (Whop — Fees).

For comparisons with other creator businesses, see creator platform fees explained.

Are there extra fees for international cards or currency conversion?

Yes. A card issued outside the seller’s country adds 1.5%, and a payment requiring currency conversion adds another 1% (Whop — Fees).

These charges stack when both conditions apply. Neither add-on applies to a domestic-card payment made and settled in the same currency.

What payout, ACH, and dispute fees does Whop charge?

Whop charges different withdrawal fees depending on how a seller receives the balance:

• Next-day ACH costs $2.50 per payout (Whop — Fees).
• Instant Bank Deposit through RTP costs 4% + $1.00 per payout (Whop — Fees).
• Crypto payouts cost 5% + $1.00 per payout (Whop — Fees).
• Venmo payouts cost 5% + $1.00 per payout (Whop — Fees).
• Bank-wire payouts cost $23.00 per payout (Whop — Fees).
• Payment disputes cost $15.00 per dispute (Whop — Fees).

For incoming bank-transfer payments, Whop charges 1.5% for ACH debit, capped at $5 per transaction. Because of the $5 cap, ACH debit can cost less than card processing on larger purchases.

Does Whop still charge a separate 3% platform fee?

Whop’s current standard pricing does not list a separate 3% platform fee. Its published schedule instead lists 2.7% + $0.30 for domestic card processing, plus the applicable international-card, currency-conversion, fraud-detection, financing, payout, and dispute charges (Whop — Pricing and Whop — Fees).

The current first-party pages do not establish where the older “3% platform fee” figure originated. Without a dated or archived primary source, that number should not be treated as a verified historical Whop rate. Sellers comparing an older estimate with current charges should check Whop’s fee documentation directly, and sellers weighing questions like this alongside payout reliability may also want a broader look at whether Whop is legit.

When might Brillay fit instead?

If you’re comparing Whop for a gated community, course, or digital product, that is a different job from collecting one-off tips or selling small, defined services. Custom Work lets you offer clearly scoped commissions and services: you set the price, the scope and the delivery time, and followers submit a brief and pay before you start. A creator who only wants followers to pay for individual interactions—such as tips, private questions, personalized videos, or small services—may not need that broader structure. Creators weighing a membership-style model instead might also compare how Whop’s fees stack up against Patreon.

Creators can receive payouts in 41 countries (Brillay pricing). No monthly fee, you only pay a small platform fee when you get paid. 8% platform fee when a follower pays for work, 5% platform fee on tips and goals. Card processing is separate. Followers pay upfront; you can decline a request (how Brillay works).

Put Tips, Goals, Paid Questions, Personalized Videos, Custom Work, and Brand Collaboration Inquiries on one Brillay link, so followers can choose how to support you or contact you without a sales pitch in every post. (Brillay’s tips feature)

Frequently asked questions

How much does Whop take from a $100 sale?

Whop’s standard domestic card fee is 2.7% + $0.30, equal to $3.00 on a $100 sale. Its separate $0.07 fraud-detection fee brings the total of those two charges to $3.07 (Whop — Fees).

Does Whop currently charge a separate 3% platform fee?

No separate 3% platform-fee line appears on Whop’s current standard pricing. Whop lists 2.7% + $0.30 for domestic card processing, with additional charges where applicable (Whop — Pricing and Whop — Fees).

What other Whop fees should sellers consider?

Whop lists 1.5% for international cards, 1% for currency conversion, $0.07 per transaction for fraud detection, and 15% for financing-partner sales. It also charges payout fees based on the withdrawal method, $15 per dispute, and 1.5% for ACH debit payments with a $5 cap (Whop — Fees).

How does Brillay’s fee compare?

Neither charges a monthly fee. Whop's standard charge on a card sale is its processing fee; Brillay charges a small platform fee only when a follower pays you, one rate for paid work and a lower one for tips and goals, both set out in the section above, and card processing is a separate charge. Brillay offers one-time Tips, Paid Questions, Personalized Videos, and Custom Work; with Custom Work, the setup states what followers get, what you need from them and what is not included, and delivery is one-time.

Want one link where followers can choose a clearly priced offer and pay without creating an account? Create your free Brillay page and set your first offer price.