# Whop payment limits and checkout limits

> Whop payment limits explained: the $2,500 checkout cap for new accounts, min and max per payment method, Klarna limits, withdrawals and API rate limits.

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

New Whop accounts are capped at $2,500 per checkout link; you apply in **Settings → Payments** to go higher, and Whop says it answers within 24 hours. On top of that, each payment method has its own minimum and maximum, Klarna has per-country limits, and the API has a rate limit.

This page lists every limit that can block a sale, and what each one means for a WooCommerce store.

## The $2,500 checkout cap

When you first join, Whop caps checkout links at $2,500. Higher payments carry more risk, so Whop wants to know more before allowing them.

To raise it:

1. Go to **Settings → Payments** in your dashboard (or use the link on the checkout link setup page).
2. Describe your highest-priced offer and what the customer receives.
3. Show your history of selling at that price.

Whop reviews applications within 24 hours and notifies the account owner by email, Whop DM and a notice on the Payouts page. Once approved, the higher amount is available immediately.

![Whop Settings → Payments page with the higher checkout links application](https://whopforwoo.com/img/whop-higher-checkout-links.png)

**On WooCommerce:** WhopForWoo creates a Whop checkout for each order from the exact cart total. If a cart goes over your cap, Whop refuses to create that checkout and the customer can't pay. If your average order is close to $2,500, or you sell furniture, electronics or B2B bundles, apply before launch.

## Limits per payment method

Whop shows a local method only if the amount fits within its range. Above the maximum, the method simply doesn't appear.

| Method | Minimum | Maximum |
|---|---|---|
| US bank transfer (ACH) | $0.50 | $1M |
| Cash App | $0.50 | $1M |
| Crypto | $0 | $1M |
| PayPal | $0 | $1M |
| EU bank transfer | €1 | €1M |
| iDEAL | €0 | €1M |
| Bancontact | €0.50 | €1M |
| SEPA Debit | €0.50 | €11,500 |
| Swish | kr 0.50 | kr 50,000 |
| Vipps | kr 0.50 | kr 50,000 |
| MobilePay | kr 0.50 / €0.50 | kr 40,000 / €5,000 |

Some methods are also limited by pricing type: crypto, EU bank transfers, Swish, MobilePay and Vipps are one-time only. Since WhopForWoo charges each WooCommerce order once, that's not a constraint on a WooCommerce store.

## Klarna limits by country

Financing has to be approved first (see [Whop payment methods](https://whopforwoo.com/whop-payment-methods)). Once it is, Klarna applies these per-transaction limits:

| Country | Min | Max |
|---|---|---|
| United States | $0.50 | $10,000 |
| United Kingdom | £1 | £2,000 |
| France | €1 | €1,500 |
| Spain | €1 | €1,500 |
| Ireland | €1 | €1,500 |
| Italy | €1 | €4,500 |
| Germany | €25 | €10,000 |
| Austria | €25 | €10,000 |
| Netherlands | €35 | €4,000 |
| Finland | €25 | €5,000 |
| Portugal, Greece | €1 | €1,000 |
| Sweden | 250 kr | 150,000 kr |
| Norway | kr 0 | kr 150,000 |
| Czechia | 25 Kč | 25,000 Kč |

## Limits on the customer's side

Some failed payments aren't Whop's limit at all. Whop's decline codes include `card_velocity_exceeded` and `withdrawal_count_limit_exceeded` (the customer hit their card's limit), `invalid_amount` (the amount exceeds what the card allows) and `currency_not_supported`. The fix is on the customer's side: another card, another method, or a call to their bank. See [Whop payment issues](https://whopforwoo.com/whop-payment-issues).

## Withdrawal limits

- Minimum withdrawal: **$10**, where applicable.
- Instant withdrawals can be lower than your balance; Whop applies a daily limit and reserves still apply.
- Some withdrawals are flagged for manual compliance review; the instant option disappears while that's pending.

## Currency limits

Whop supports 135+ currencies. WhopForWoo charges 47 currencies natively (USD, EUR, GBP, INR, PKR and others). If your store uses a currency outside that list, the plugin converts the order to USD at a live rate, with a sanity check on the rate before charging.

## API rate limit

For developers: Whop's `/api/v1` allows 600 requests per minute per operation and per credential by default. Above that you get a `429` with `rate_limit_exceeded` and a retry delay. A WooCommerce store won't come close in normal use: WhopForWoo makes a handful of calls per order. More in [Whop API](https://whopforwoo.com/docs/whop-api).

## Checklist before launch

- Largest possible order under your checkout cap? If not, apply now.
- Store currency on the native list?
- Expecting Klarna? Check eligibility (verified account, under 2% disputes, $30,000 from 10+ customers in 90 days).
- KYC complete so you can withdraw?

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

## FAQ

### What is the Whop payment limit for new accounts?

Whop caps checkout links at $2,500 when you first join. To sell above that, apply for higher checkout links from Settings → Payments. Whop says it reviews applications within 24 hours.

### How do I raise my Whop checkout limit?

Apply from the checkout link setup page or Settings → Payments. Whop asks for your highest-priced offer, what customers get for it, and your history of selling at that price.

### Is there a maximum amount per payment method on Whop?

Yes. Most local methods go up to $1M or €1M, but SEPA Debit stops at €11,500, Swish and Vipps at kr 50,000, and Klarna varies by country ($10,000 in the US, €1,500 in France).

### What is the minimum withdrawal on Whop?

Whop lists a minimum withdrawal threshold of $10, where it applies.

## Related

- [Whop payment methods: every way your customers can pay](https://whopforwoo.com/whop-payment-methods): Whop payment methods explained: cards, Apple Pay, Google Pay, Klarna and financing, ACH, SEPA, PayPal, crypto. Fees, limits and where each one shows.
- [Whop payment issues: causes and fixes](https://whopforwoo.com/whop-payment-issues): Whop payment issues fixed: card declines, 3D Secure, missing payment methods, Apple Pay not showing, form not loading, and paid orders not updating.
- [Whop merchant account: what you get as a Whop seller](https://whopforwoo.com/whop-merchant-account): Is a Whop merchant account a real merchant account? How Whop sellers get paid, reserves, payouts, suspensions, and how to use it from WooCommerce.
- [Whop KYC verification: how to get verified and paid](https://whopforwoo.com/whop-kyc-verification): Whop KYC verification step by step: what Whop asks for, accepted ID documents, statuses, requests for information, and what to do if you're stuck.
- [Whop API: how it works and how WooCommerce uses it](https://whopforwoo.com/docs/whop-api): Whop API explained: base URL, Bearer auth, dated versions, rate limits, pagination and webhooks, plus the calls a WooCommerce store needs to take payments.