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.
Last come from Whop’s published pricing and fee documentation.
What are Whop’s fees at a glance?
| Fee | Amount | Applies to | Source |
|---|---|---|---|
| Card processing (domestic) | 2.7% + $0.30 per transaction | Every successful domestic card payment | Whop — Fees |
| International cards | +1.5% | Cards issued outside the seller’s country | Whop — Fees |
| Currency conversion | +1% | Payments requiring currency conversion | Whop — Fees |
| Fraud detection (Radar) | $0.07 per transaction | Every successful transaction | Whop — Fees |
| Financing (BNPL) | 15% per transaction | Sales paid through a financing partner, such as Klarna | Whop — Fees |
| ACH debit | 1.5%, capped at $5 | US bank-transfer payments | Whop — Fees |
| Next-day ACH payout | $2.50 per payout | Balance withdrawals by next-day ACH | Whop — Fees |
| Instant Bank Deposit (RTP) | 4% + $1.00 per payout | Instant bank withdrawals | Whop — Fees |
| Crypto payout | 5% + $1.00 per payout | Withdrawals in cryptocurrency | Whop — Fees |
| Venmo payout | 5% + $1.00 per payout | Withdrawals through Venmo | Whop — Fees |
| Bank-wire payout | $23.00 per payout | Withdrawals by bank wire | Whop — Fees |
| Dispute fee | $15.00 per dispute | Each payment dispute | Whop — Fees |
| Monthly or setup fee | $0 | Sellers using standard pricing | Whop — Pricing |
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.
For a broader comparison, see creator platform fees compared.
When might FanBell fit instead?
Whop is designed for gated communities, courses, and digital products. A creator who only wants fans to pay for individual interactions—such as tips, private questions, personalized shoutouts, 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.
FanBell is free to start with no monthly fee, charges a 12% platform fee only when a fan pays, and has no follower minimum (FanBell pricing). Stripe payment processing is separate, and payouts are handled through Stripe (how FanBell works).
See FanBell’s tips feature for one straightforward way to accept support from fans.
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 FanBell’s fee compare?
FanBell charges a 12% platform fee only when a fan pays, with separate Stripe processing. It is free to start, has no monthly fee, and requires no follower minimum. FanBell focuses on one-off paid fan interactions rather than gated communities or courses.
Want a page where fans pay you directly, without a community or course wrapped around it? Create your free FanBell page and set up your first paid offer in minutes.
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