Merchant of record

Whop as a Stripe alternative

Whop is a merchant of record. On November 9, 2026 the rate line is 2.7% + $0.30. The dispute line is $15. Confirm the billed row before you leave Stripe. The provider's own page is the figure a contract will follow.

Type: Merchant of record
Pricing: Merchant of record
Card rate: 2.7% + $0.30
Dispute fee: $15
Payouts: Next-day ACH to a US bank is $2.50 per payout. Instant bank deposit is 4% + $2.50.
Where: The fee page says 195 countries. The card rate here is the domestic rate on that page.
Underwriting: Whop reviews the seller. Tax handling is a mode you turn on, not the default card price.
What it replaces: Card checkout at a published domestic rate. It is not Paddle: the 2.7% does not include tax filing.

Pricing page · Website

What is Whop?

Whop's fee page lists domestic cards at 2.7% + $0.30. Its seller terms say Whop is merchant of record for card-network rules and payment settlement, and that you remain the supplier of the product. Sales tax and VAT are not in that card rate: tax collection is 2% when that mode is on and tax is collected.

Who should choose Whop?

Whop fits: Sellers who want Whop's published domestic card rate and will price tax and international cards separately. A listing here is not an approval, and a published rate is not a quote.

Who should look elsewhere?

What Whop replaces: Card checkout at a published domestic rate. It is not Paddle: the 2.7% does not include tax filing. Look elsewhere when you need something outside that.

Underwriting: Whop reviews the seller. Tax handling is a mode you turn on, not the default card price.

How does Whop charge?

Whop has 7 fee lines in this dataset, each read on November 9, 2026. Headline rate: 2.7% + $0.30.

Fee	Amount	Source
Domestic cards and wallets	2.7% + $0.30 per successful transaction	Source
International cards	+1.5%	Source
Currency conversion	+1% when required	Source
ACH	1.5%, maximum $5, per successful debit	Source
Disputes	$15 per dispute	Source
Tax and remittance	2% per transaction when enabled and tax is collected	Source
Next-day ACH payout	$2.50 per payout	Source

What does Whop cost at $10,000, $100,000, and $1 million a month?

The arithmetic below uses a $50 average ticket and successful charges only. It is not a quote for international cards or disputes.

Monthly volume	Stripe US cards	Whop, domestic cards
$10,000.00	$350.00 (200 × $0.30 + 2.9% of $10,000.00)	$330.00 (200 × $0.30 + 2.7% of $10,000.00)
$100,000.00	$3,500.00 (2000 × $0.30 + 2.9% of $100,000.00)	$3,300.00 (2000 × $0.30 + 2.7% of $100,000.00)
$1,000,000.00	$35,000.00 (20000 × $0.30 + 2.9% of $1,000,000.00)	$33,000.00 (20000 × $0.30 + 2.7% of $1,000,000.00)

Does not include +1.5% for international cards, +1% for currency conversion, or the 2% tax-and-remittance fee when that mode is on.

Where does Whop operate?

Coverage: The fee page says 195 countries. The card rate here is the domestic rate on that page. That is where Whop operates, not a list of industries it accepts.

Do not treat a processor logo as an industry approval. If the business is on Stripe's prohibited list, switching the logo does not make the card payment lawful. The restricted-business guide is the map of Stripe's own words.

How does Whop differ from Stripe?

Stripe is a payment service provider at 2.9% + $0.30 for US domestic cards, read November 9, 2026, and it can review an account after you have started processing. Whop is a merchant of record with the rate line 2.7% + $0.30 and the dispute line $15.

Whop stands in the seller's place for the sale. Stripe leaves you as the merchant. The higher percent, when one is published, is the price of that shift, not a discount on Stripe's card rate.

How do you switch from Stripe to Whop?

Stripe's data export page, read November 10, 2026, says Stripe transfers saved cards only to a PCI DSS Level 1 processor and does not export subscriptions or payment history. The switching guide covers what moves, what needs Stripe's approval, and how to keep subscriptions billing. Read it before you cancel the Stripe account.

Export Stripe customers, prices, and dispute history while the dashboard still allows it.
Ask Whop, in writing, whether it can receive a card transfer from Stripe. The switching guide names the providers whose own pages describe one.
Recreate plans and the next billing date. Run five real customers in a test mode, including one annual plan and one past-due plan.
Map webhooks and payout reconciliation before the cutover. Do not bill the same period on both systems.
If Stripe has already closed the account, plan for customers to enter cards again.

What usually goes wrong?

The dispute fee is the small line. The disputed amount and the card-network ratio are the ones that close accounts.

The other failure is comparing a different product, such as a merchant-of-record percent or a gateway monthly fee, to Stripe's card rate as if they were the same line.

Which providers are similar?

These listings share Whop's type. The order is alphabetical, not a rank.

2Checkout (Verifone): Quoted.
Commas: Quoted.
Dodo Payments: 4% + $0.40, before add-ons.
FastSpring: Quoted.

Also read Stripe's fee breakdown and the pricing dataset.

What does Whop publish as its card rate?

Whop's rate line in this directory is 2.7% + $0.30, read on November 9, 2026. Use that line only for the product it describes.

What is Whop's dispute fee?

Whop's dispute line is $15. Stripe's published fee to receive a dispute is $15 on the same date, November 9, 2026.

Is Whop the merchant of record?

Whop is listed as a merchant of record. The buyer is contracting with that seller model, which is why the price is not Stripe's 2.9% + $0.30 card rate.

Where does Whop operate?

The fee page says 195 countries. The card rate here is the domestic rate on that page. That is the coverage note stored with the November 9, 2026 reading. It is not a list of merchant category codes Whop has approved.

Should you leave Stripe for Whop?

Only when this is the fit: Sellers who want Whop's published domestic card rate and will price tax and international cards separately. If the Stripe account is healthy and Stripe's other products are part of why you chose it, staying is often the smaller move. Whop does not become a yes just because it is on this page.

How much is Whop at $10,000 a month?

At $10,000 a month and a $50 ticket, Whop, domestic cards is $330.00 using the published rate read on November 9, 2026. Stripe on the same assumptions is $350.00. Does not include +1.5% for international cards, +1% for currency conversion, or the 2% tax-and-remittance fee when that mode is on.

Which sources were checked?

Whop has 7 fee lines in this dataset. Each one links to the page it was read from.

Last verified November 9, 2026.

Which related pages should you read next?

Open the Stripe profile before you treat a single percent as the whole decision.