# Stripe vs Whop

Title: Stripe vs Whop: fees

Description: Compare Whop with Stripe. Stripe's US rate is 2.9% + $0.30. Whop: 2.7% + $0.30. Read November 9, 2026. Read November 9, 2026. Source pages linked.

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.

# Stripe vs Whop

Stripe's list price compared with Whop's published domestic card rate. Tax is not included in Whop's 2.7%.

[Whop](https://whop.com/?ref=https%3A%2F%2Fwww.stripealternatives.com)

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.

| 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 | No | Yes |
| In the fee calculator | Yes | Yes |

## Pricing

- Stripe: 2.9% + $0.30
- Whop: 2.7% + $0.30

## With Stripe

You need your company to be the seller on the invoice, or you want Billing, Tax, and Connect in the same account.

## With Whop

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.

## On the pricing page

- **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

## Questions

### Is Whop lower than Stripe on the published line?

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

### What is Whop's dispute fee versus Stripe's?

Whop lists $15. Stripe lists $15 when a dispute is received. Both lines were read on November 9, 2026.

### How does Whop underwrite compared with Stripe?

Whop reviews the seller. Tax handling is a mode you turn on, not the default card price. Stripe signs businesses up quickly and can review them later. A listing on this page is not an approval.

### When should you keep Stripe instead of Whop?

You need your company to be the seller on the invoice, or you want Billing, Tax, and Connect in the same account.

### When should you choose Whop?

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.

### Can Stripe card tokens move to Whop?

This page does not claim that Whop imports Stripe tokens. Ask in writing. Stripe's data export page, read on November 10, 2026, says Stripe transfers card data only to a PCI DSS Level 1 processor.

## Sources

Last verified November 9, 2026.

- Stripe: https://stripe.com/?ref=https%3A%2F%2Fwww.stripealternatives.com
- Stripe pricing: https://stripe.com/pricing?ref=https%3A%2F%2Fwww.stripealternatives.com
- Whop: https://whop.com/?ref=https%3A%2F%2Fwww.stripealternatives.com
- Whop pricing: https://docs.whop.com/payments-and-billing/fees/fees?ref=https%3A%2F%2Fwww.stripealternatives.com
- Stripe: payment data export: https://docs.stripe.com/get-started/data-migrations/pan-export?ref=https%3A%2F%2Fwww.stripealternatives.com

## Related

- [Stripe pricing profile](/alternatives/stripe.md)
- [Whop profile](/alternatives/whop.md)
- [How to switch from Stripe](/guides/switching-from-stripe.md)
- [How Stripe's US fees add up](/guides/stripe-fees-explained.md)
- [Fee calculator](/tools/fee-calculator.md)
- [Merchant of record alternatives](/best/merchant-of-record.md)
- [All Stripe comparisons](/compare.md)
- [Stripe vs Commas](/compare/stripe-vs-commas.md)
- [Stripe vs Dodo Payments](/compare/stripe-vs-dodo-payments.md)
- [Stripe vs Authorize.net](/compare/stripe-vs-authorize-net.md)