# Whop fees: what Whop charges per payment and per payout

> Whop fees in 2026: 2.7% + $0.30 per domestic card payment, plus international, conversion, tax and payout fees. Worked examples and a fee calculator.

Updated: 2026-11-11 · Canonical: https://whopforwoo.com/whop-fees

**Whop charges 2.7% + $0.30 per successful payment made with a domestic card, with no monthly fee for Whop Payments listed on its pricing page.** On top of that come +1.5% for an international card, +1% when currency conversion applies, optional fees for orchestration, billing and tax, a flat $15 per dispute, and a fee each time you withdraw (from $2.50).

All figures below come from [Whop's published pricing](https://docs.whop.com/fees), checked on 11 November 2026. They're standard rates for new merchants; negotiated rates can differ.

## Whop pricing: what selling on Whop costs

Whop's pricing for sellers is pay-as-you-go: no monthly fee for Whop Payments, a percentage plus a fixed amount on each successful payment, and a small fee when you withdraw. The calculator and tables below break it down. Looking for the price of our plugin instead? See [WhopForWoo pricing](https://whopforwoo.com/pricing).

## Whop fees calculator

Enter an order amount, choose the payment method and the options you use, and see what Whop keeps and what you receive.

Interactive Whop fee calculator: https://whopforwoo.com/whop-fees

## Whop payment processing fees

### Cards and wallets (Apple Pay, Google Pay)

| Fee | Rate |
|---|---|
| Domestic card, US / Canada / EU / UK / Australia | **2.7% + $0.30** |
| International card (payment processed in the US, card or customer outside the US) | +1.5% |
| Currency conversion (processor settles in another currency than yours) | +1% (2% in Argentina) |
| Argentina, Chile, Colombia, Costa Rica, Guatemala, Mexico, Uruguay | 2.9% + $0.30 |
| Dominican Republic, Peru | 4.9% + $0.30 |
| Brazil | 8% + $0.30 |

The region is where the payment is processed, not where your business is. The $0.30 is set in USD and converted to your settlement currency.

### Other payment methods

| Method | Whop fee |
|---|---|
| PayPal | 2.9% + $0.30 |
| Crypto | 1.5% |
| Financing (Klarna, Afterpay and other partners) | 15% (20% for ClarityPay No Interest) |
| ACH direct debit (US) | 1.5%, max $5* |
| SEPA Direct Debit | 1% + €0.30 |
| EU bank transfer | 1%, max €5 |
| iDEAL | 2.5% + €0.80 |
| Cash App Pay | 2.7% + $0.30 |

*Whop's main fees page says 1.5% capped at $5; its local payment methods page says 0.8% capped at $5. Check your own rate in the dashboard.

### Optional services (Whop platform fees)

| Service | Fee | When |
|---|---|---|
| Orchestration (routes across several processors) | 0.8% | When enabled |
| Billing (invoices, retries, lifecycle) | 0.5% | When enabled |
| Tax and remittance | 2% | When enabled and tax is collected |

With everything on and tax collected, a domestic card costs **6% + $0.30**.

### Fraud and disputes

| Event | Fee |
|---|---|
| Card dispute | $15.00 |
| Early dispute alert (RDR, Ethoca) | $29.00 |
| 3D Secure | $0.03 per transaction |
| Radar fraud detection | $0.07 per transaction |
| SEPA return / dispute | €7.50 / €20.00 |
| ACH return / dispute | $10.00 / $25.00 |

## Worked examples

Processing fee only (Radar and 3D Secure, at most $0.10 per order, left out):

| Order | Scenario | Whop fee | You receive | Effective rate |
|---|---|---|---|---|
| $20 | Domestic card | $0.84 | $19.16 | 4.2% |
| $50 | Domestic card | $1.65 | $48.35 | 3.3% |
| $50 | International card | $2.40 | $47.60 | 4.8% |
| $50 | International card + conversion | $2.90 | $47.10 | 5.8% |
| $100 | Domestic card | $3.00 | $97.00 | 3.0% |
| $100 | Domestic card, tax collected (2%) | $5.00 | $95.00 | 5.0% |
| $100 | Domestic card, all options on | $6.30 | $93.70 | 6.3% |
| $100 | Crypto | $1.50 | $98.50 | 1.5% |
| $100 | PayPal | $3.20 | $96.80 | 3.2% |
| $300 | Klarna (financing) | $45.00 | $255.00 | 15.0% |
| $500 | Domestic card | $13.80 | $486.20 | 2.8% |
| $500 | ACH (1.5% capped) | $5.00 | $495.00 | 1.0% |

How the $50 international + conversion line is built: 2.7% + 1.5% + 1% = 5.2% of $50 = $2.60, plus $0.30 = $2.90.

The fixed $0.30 hurts small baskets: on a $20 order it's half the fee. If your average order is under $30, the percentage you quote yourself is not the one you pay.

![Whop dashboard payment detail showing the fee breakdown of one order](https://whopforwoo.com/img/whop-fees-payment-detail.png)

## Whop withdrawal fees

Money from sales lands in your Whop balance, then you withdraw it.

| Payout method | Fee | Speed |
|---|---|---|
| Next-day ACH (US bank) | $2.50 | Next business day |
| Instant bank deposit (RTP) | 4% + $2.50 | Instant where supported |
| Crypto | 5% + $1.00 | — |
| Venmo (US) | 5% + $2.50 | Instant |
| Bank wire | $23.00 | 1–2 business days (US) |
| International local bank | Varies by country | Varies |

The minimum withdrawal is $10. Standard payouts take up to 5 business days. You can set automatic withdrawals (keep a minimum balance for refunds and disputes) and must complete identity verification before the first payout.

**Example:** withdrawing $1,000 costs $2.50 by next-day ACH, $23 by wire, or $42.50 by instant RTP. One weekly ACH payout instead of daily instant ones is the cheapest habit.

## A month on Whop: full example

A WooCommerce store selling 200 orders of $50 to US customers, paid by domestic card, withdrawn once a week by next-day ACH:

| Line | Amount |
|---|---|
| Sales | $10,000.00 |
| Processing: 200 × $1.65 | −$330.00 |
| Payouts: 4 × $2.50 | −$10.00 |
| **Net before plugin** | **$9,660.00** (3.4% total) |

Add one $15 dispute and the month costs $345. Compare the same month on Stripe in [Whop vs Stripe](https://whopforwoo.com/whop-vs-stripe).

## Fees outside Whop's grid

- **The plugin.** WhopForWoo is a fixed licence ($129 one-time payment for one site), not a percentage. See [pricing](https://whopforwoo.com/pricing).
- **Reserves aren't fees.** Whop may hold part of your balance on new or risky accounts; the money is released on scheduled dates.

Get WhopForWoo: https://whopforwoo.com/pricing

## FAQ

### How much does Whop take per sale?

2.7% + $0.30 per successful payment with a domestic card in the US, Canada, the EU, the UK or Australia. International cards add 1.5%, currency conversion adds 1%, and optional services add up to 3.3% more.

### What is Whop's pricing for sellers?

Whop Payments is priced per transaction: a processing fee on each successful payment, optional fees for orchestration (0.8%), billing (0.5%) and tax (2%), flat fees for disputes, and a fee per payout depending on the method.

### What are Whop withdrawal fees?

$2.50 for next-day ACH to a US bank, 4% + $2.50 for an instant bank deposit (RTP), 5% + $1.00 for crypto, 5% + $2.50 for Venmo and $23 for a bank wire. Local bank payouts vary by country. The minimum withdrawal is $10.

### What are Whop payment processing fees for PayPal, crypto and Klarna?

PayPal 2.9% + $0.30, crypto 1.5%, and financing partners such as Klarna or Afterpay 15% (20% for ClarityPay No Interest).

### Does a WooCommerce plugin change Whop's fees?

No. Whop charges the same rates whether the buyer pays through a checkout link, Whop's hosted page or an embedded checkout. The plugin licence is a separate, fixed cost.

## Related

- [Whop vs Stripe: fees, payouts and tax compared for a WooCommerce store](https://whopforwoo.com/whop-vs-stripe): Whop vs Stripe: 2.7% + $0.30 vs 2.9% + $0.30, merchant of record vs your own account, tax, payouts and disputes. Worked examples for a WooCommerce store.
- [WhopForWoo pricing](https://whopforwoo.com/pricing): WhopForWoo pricing: Solo $129, Dropshipper (5 sites) $249, Pirate (unlimited) $499. One-time payment, updates included. 14-day refund.
- [Whop payment gateway: use Whop to take payments on WooCommerce](https://whopforwoo.com/whop-payment-gateway): Is Whop a payment gateway? Whop is a payment platform and merchant of record. Here is how it works as a WooCommerce gateway and which API calls it uses.
- [Whop checkout link vs embedded checkout: which one for your store?](https://whopforwoo.com/whop-checkout-link-vs-embedded): Whop checkout link or embedded checkout? Setup, conversion, payment methods, orders and limits compared, with when a WooCommerce plugin is worth it.
- [Whop WooCommerce plugin: Whop checkout inside your store](https://whopforwoo.com/): Connect Whop to WooCommerce. Whop's payment form sits inside your checkout, every payment is verified server-side, and orders exist before anyone pays.