Stripe vs Whop
Stripe vs Whop compares published lines. Stripe's US domestic cards are 2.9% + $0.30, read November 9, 2026. Whop is listed at 2.7% + $0.30. Dispute fees that day: Stripe $15 received, and Whop $15. The provider pages, not a third-party roundup, are the source.
What is the verdict on Stripe vs Whop?
Whop publishes 2.7% + $0.30, read on November 9, 2026. Stripe's US domestic card rate on that date is 2.9% + $0.30.
Whop's fee page lists domestic cards at 2.7% + $0.30, against Stripe's 2.9% + $0.30. That is a card rate, not an all-in merchant-of-record price. Whop's seller terms say Whop is merchant of record for card-network rules and settlement, and that you remain the supplier of the product. Tax collection is a further 2% when that mode is on and tax is collected. International cards add 1.5%. A dispute is $15 on both fee pages.
How do Stripe and Whop compare on features?
Whop is a merchant of record with the dispute line $15, read on November 9, 2026. Stripe's dispute line on that date is $15 received.
| Feature | Stripe | Whop |
|---|---|---|
| Card rate | 2.9% + $0.30 | 2.7% + $0.30 |
| Dispute fee | $15 received | $15 |
| Pricing | Flat rate | Merchant of record |
| Payout | Standard schedule free. Instant 1.5%, minimum $0.50. | Next-day ACH to a US bank is $2.50 per payout. Instant bank deposit is 4% + $2.50. |
| Region | Global. Rates here are the US list prices. | The fee page says 195 countries. The card rate here is the domestic rate on that page. |
| Underwriting | Instant signup. Stripe can review, restrict, or close the account later. | Whop reviews the seller. Tax handling is a mode you turn on, not the default card price. |
| Merchant of record | ||
| In the fee calculator |
What does Stripe vs Whop cost at $10,000, $100,000, and $1 million a month?
The dollar columns use a $50 average ticket and successful charges only, on rates read November 9, 2026. Whop's published line is 2.7% + $0.30.
Stripe
Published standard rate, read November 9, 2026.
- Manually entered cards. +0.5%
- International cards. +1.5%
- Currency conversion. +1% when required
Whop
Published standard rate, read November 9, 2026.
- International cards. +1.5%
- Currency conversion. +1% when required
- ACH. 1.5%, maximum $5, per successful debit
| Monthly volume | Stripe, $50 ticket | Whop |
|---|---|---|
| $10,000 | $350.00 | $330.00 |
| $100,000 | $3,500.00 | $3,300.00 |
| $1 million | $35,000.00 | $33,000.00 |
Read on November 9, 2026 from each provider's pricing page. A figure that says "from" is a floor, not the rate a business is charged. International cards, currency conversion, and disputes are not inside these totals. Stripe pricing · Whop pricing
Where does Stripe win, and where does Whop win?
Stripe wins on the job in the left column. Whop wins on the job in the right column, at the rate 2.7% + $0.30 read on November 9, 2026.
Stripe wins when
You need your company to be the seller on the invoice, or you want Billing, Tax, and Connect in the same account.
Whop wins when
The domestic card rate is the bill you are comparing, and you have priced the add-ons you will turn on: international cards, currency conversion, and tax remittance.
How do underwriting and account stability differ?
Stripe's underwriting note is instant signup, with the right to review later, as recorded on November 9, 2026. Whop's note is: Whop reviews the seller. Tax handling is a mode you turn on, not the default card price.
A live API key is not the same thing as a written approval. If Stripe closed the account for the business model, an instant-onboard processor can reach the same answer after you have moved customers. A prohibited category does not become lawful because the logo changed.
How do you switch from Stripe to Whop?
Stripe's data export page, read on 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 is the longer checklist.
- Export Stripe customers, prices, and disputes while the dashboard still allows it.
- Ask Whop in writing whether a Stripe token import exists. This page does not claim one.
- Recreate plans and run five real customers in a test, including one annual plan.
- Map webhooks before cutover. Do not bill the same period twice.
- If the Stripe account is already closed, plan for customers to enter cards again.
What did Whop publish on the pricing page?
Whop contributed 7 fee lines to this comparison, read on November 9, 2026. The headline beside those lines is 2.7% + $0.30.
Domestic cards and wallets
2.7% + $0.30 per successful transaction
International cards
+1.5%
Currency conversion
+1% when required
ACH
1.5%, maximum $5, per successful debit
Disputes
$15 per dispute
Tax and remittance
2% per transaction when enabled and tax is collected
Next-day ACH payout
$2.50 per payout
Where is the source page?
These figures were last updated November 9, 2026. The provider's own page is the source.