Whop fees: the full schedule, with the maths
Whop charges 2.7% + $0.30 per successful domestic card sale and no monthly fee. International cards add 1.5% and currency conversion 1%. Optional services cost extra: billing automation 0.5%, payment orchestration 0.8%, managed tax 2%, affiliate processing 1.25%. Disputes cost $15 each. With every option on and tax collected, Whop's own documentation gives the all-in figure as 6% + $0.30.
The base rate at real sale sizes
| Sale price | Whop fee | Effective rate | You receive |
|---|---|---|---|
| $10 | $0.57 | 5.7% | $9.43 |
| $27 | $1.03 | 3.81% | $25.97 |
| $50 | $1.65 | 3.3% | $48.35 |
| $97 | $2.92 | 3.01% | $94.08 |
| $200 | $5.70 | 2.85% | $194.30 |
| $500 | $13.80 | 2.76% | $486.20 |
The $0.30 fixed part is why the effective rate falls as prices rise: a $10 product pays 5.7%, a $200 product pays 2.85%. If you sell low-ticket items, price and bundle accordingly.
Every fee on the schedule
All rates below are from Whop's pricing page and fee documentation, read September 2026.
Payments
| Item | Rate |
|---|---|
| Cards and wallets (domestic) | 2.7% + $0.30 |
| International card | +1.5% |
| Currency conversion | +1% |
| In-person via Tap to Pay on iPhone | 2.7% + $0.05 (one-time payments only) |
| ACH bank debit | 1.5%, max $5 |
| Buy-now-pay-later via financing partners | 15% of the transaction |
| Radar fraud screening | $0.07 per transaction |
| 3-D Secure | $0.03 per transaction |
Optional services
| Item | Rate |
|---|---|
| Billing automation (dunning, retries) | 0.5% when enabled |
| Payment orchestration (auto-routing to the provider most likely to succeed) | 0.8% when enabled |
| Managed tax — Whop calculates and collects, or collects and remits | 2% when enabled and tax collected |
| Affiliate processing | 1.25% on affiliate-attributed sales |
| Everything on, tax collected (Whop's own example) | 6% + $0.30 |
Tax
Whop offers three settings for direct sales: you handle tax yourself (free), Whop calculates and collects, you register and remit (2%, covers all US states plus 90+ countries via its tax partner), or Whop collects and remits (2%, US states, EU and UK). For marketplace ("Discover") sales Whop manages tax in the jurisdictions it covers. Whop is not a merchant of record in the way Paddle or Gumroad are — what that difference means matters once you sell internationally at volume.
Disputes and fraud
| Item | Rate |
|---|---|
| Chargeback / dispute | $15.00 per dispute |
| Early dispute alert (RDR) | $29.00 per alert |
Payouts
| Item | Rate |
|---|---|
| Next-day ACH (US) | $2.50 per payout |
| Instant bank deposit (RTP) | 4% + $1.00 |
| Crypto | 5% + $1.00 |
| Venmo | 5% + $1.00 |
| Bank wire | $23.00 |
| International local bank | Varies by country (not published) |
| Minimum withdrawal | $10 where applicable |
Standard payouts to a connected bank account are not listed as carrying a fee in the current documentation; the fees above apply to the faster or alternative methods. Payout methods and timing.
What a $50 sale really costs
| Fee | Rate | On a $50 sale |
|---|---|---|
| Cards and wallets, domestic | 2.7% + $0.30 | $1.65 |
| Radar fraud screening | $0.07 | $0.07 |
| 3-D Secure | $0.03 | $0.03 |
| International card (if applicable) | +1.5% | $0.75 |
| Currency conversion (if applicable) | +1% | $0.50 |
| Billing automation (optional) | 0.5% | $0.25 |
| Payment orchestration (optional) | 0.8% | $0.40 |
| Managed tax (optional, when tax collected) | 2% | $1.00 |
| Affiliate processing (only on affiliate-attributed sales) | 1.25% | $0.62 |
Only the first three lines apply to every domestic sale (2.7% + $0.30 + $0.10 of fraud tooling = $1.75 on $50). The rest apply only if the buyer is abroad, pays in another currency, or you switch the service on.
The 3% platform fee that disappeared
Older articles — and some still ranking today — describe a separate 3% Whop platform fee on top of processing. That line was on the fee schedule in December 2025 and was gone by February 2026, with no announcement we can find. If you are reading a comparison that adds 3% to the processing rate, it is out of date. Our fee history note tracks the changes.
Whop fees vs the platforms people compare it with
| Platform | Monthly | Per sale |
|---|---|---|
| Whop | None | 2.7% + $0.30 |
| Skool Pro | $99 | 2.9% |
| Skool Hobby | $9 | 10% |
| Patreon | None | 10% + processing (not published) |
| Gumroad | None | 10% + $0.50 (30% on Discover) |
| Circle Professional | $89 | 2% + processing |
| Kajabi Basic | $179 | 2.9% + $0.30 via Kajabi Payments |
| Teachable Starter | $39 | 7.5% + 2.9% + 30¢ |
| Stan Store Creator | $29 | Stripe/PayPal processing only |
| Stripe (direct) | None | 2.9% + $0.30 |
Each of these has its own page under Whop vs, with the break-even volume computed.
The fee only applies when you sell
No card on file, no monthly plan, no listing fee. Open the account, build the product, and pay 2.7% + $0.30 when the first order lands.
Start selling on WhopFree · no monthly fee · 2.7% + $0.30 per salePartner link · free to start · no monthly fee
Frequently asked questions
Is Whop completely free?
To open an account, build a store and list products, yes. Whop earns only per sale: 2.7% + $0.30 for domestic cards, plus optional services if you enable them.
How much does Whop take per sale?
2.7% + $0.30 on a domestic card. That is $0.57 on $10, $1.65 on $50 and $5.70 on $200. Add 1.5% for international cards and 1% for currency conversion.
Does Whop charge a monthly fee?
No. There is no subscription for sellers on the published schedule. Enterprise customers can negotiate custom, volume-based pricing.
Does Whop still charge a 3% platform fee?
Not on the current schedule. A 3% platform fee appeared on the fee page in late 2025 and had been removed by February 2026.
What are Whop withdrawal fees?
Next-day ACH $2.50; instant bank deposit 4% + $1; crypto or Venmo 5% + $1; wire $23. Standard bank payouts are not listed with a fee.
Is there a Whop fees calculator?
Yes — our calculator page shows net revenue at sale prices from $10 to $500 and monthly volumes from $1,000 to $100,000, against Stripe, Gumroad, Paddle and PayPal.
Written by Karel Moreau, editor of Digital Seller Guide. Fees and policies re-checked against the providers' published pricing pages on 20 September 2026. Spotted a change? karel.moreau@digitalsellerguide.com.