Whop pricing: fees per sale, add-ons and payouts

Add-ons and extras can push the per-sale cost higher. The tables cover the main rates Whop publishes, including the local payment methods it surfaces at checkout based on customer location¹, but card rates in Latin America sit on a separate regional fees page³.

Custom pricing exists for high-volume sellers, though the rates aren't published and you have to contact sales¹.

What Whop costs in 2026

On top of the base card rate, international cards add 1.5% and currency conversion adds 1%¹, and rates differ in Latin America³. If you sell there, check the regional fees page before pricing anything.

The listed pricing covers merchants who join now³, and older accounts may differ.

Whop's main fees in one table

Add-on fees stack on top of the base processing fee, so every one you switch on raises the cost of each sale³. Each is optional. Turn them on only when they earn their keep, because each percentage is added to the base rate and the total grows with every sale you make.

What you keep from a $49 sale

On a plain domestic card sale of $49, Whop takes $1.62 and you keep $47.38, and everything else depends on your settings.

3D Secure and Radar are not switches you flip. Whop lists them as flat per-transaction fees with no "when enabled" label³, so on a $49 sale the fixed part rises to $0.40, for a fee of $1.72 and $47.28 kept. Small per-transaction fees like these add up fast.

Affiliate sales cost the most. Any affiliate in Whop's network can promote a listed product for a default 30% commission, adjustable per product⁵.

Selling through the iOS app changes the math again. Apple processes all one-time purchases under $700 made in the app through its own in-app purchase system, and Whop marks those prices up 42.86% to cover Apple's mandatory 30% cut, so your $49 product shows as $70.00⁶.

Apple collects that fee, not Whop, and it can hold the money for up to 75 days after the transaction, during which it shows as pending⁶.

Subscriptions and one-time purchases at $700 and up are handled by web checkout, which carries no App Store fee. In-app refunds go through Apple⁶.

Payout fees, minimums and reserves

Next-day ACH only goes to US bank accounts. Other routes exist: international local bank payouts carry a fee that varies by country³, and payouts can also go straight to PayPal or Coinbase Commerce⁷. On a $500 withdrawal, the method you pick changes what lands.

On large withdrawals, the flat $23 wire beats the percentage-based methods, since the instant, crypto and Venmo fees grow with the amount while the wire stays flat³¹. Whop pays out to more than 200 countries⁷.

Before you can withdraw at all, finish KYC: enter your details, connect your bank and upload ID. The minimum withdrawal is $10 where the threshold applies. After a customer pays, the money can need a couple of days to reach your account before any payout method even matters⁷.

A reserve is held money, never a fee, and it releases back to your available balance automatically. One trigger is a new account or little sales history. Another is delivering long after payment, like pre-orders, bookings or multi-month services⁸.

Whop's example is a 10% reserve with a 90-day hold: sell $1,000 on March 1 and $100 stays locked until May 30. Financing providers run their own reserves, with Splitit keeping 15% of each financed sale for 180 days and SeQura holding 12% for roughly 12 months⁸. Under the Seller Terms, reserves can reach up to 100% of funds. You must also keep your dispute rate below 1% on a rolling basis⁴.

Content Rewards pay for creators

Brands approve posts before anything is paid. Once you sign off, the creator's payment runs itself, and the view count drives it. You pay nothing until you have set up payments and deposited funds⁹.

The brand sets the rate, minimum and cap per campaign. Whop's own example uses a $3 rate per 1,000 views and a $6 minimum payout, which means only videos with at least 2,000 views enter the review queue. A $3,000 maximum payout at that rate means earnings stop at 1 million views⁹.

Some campaigns add a flat bonus: $3 per 1,000 views plus a $10 flat fee at 2,000 views pays $16 total. UGC work usually earns higher rates than clipping⁹.

At that $3 rate with a $6 minimum, a first video with 40,000 approved views earns $120 and a second with 15,000 views earns $45. A third that stalls at 1,500 views sits under the minimum and earns nothing, for a total of $165.

Withdraw by next-day ACH and you keep $162.50; instant payout costs $9.10 and leaves $155.90, crypto leaves $155.75, Venmo leaves $154.25 and a wire leaves $142.00. Small reward balances may have to sit, because the minimum withdrawal is $10 where the threshold applies⁷.

To earn $100 at $3 per 1,000 views, you need about 33,334 approved views, and the rate and your views both vary, so no campaign promises earnings.

If you'd rather charge a flat fee per video than hope a clip catches, that's how Rateful works. Brands email your handle@rateful.ai address, and Sam, the AI manager behind it, replies, negotiates against your rate card and never goes below your minimum, and no deal is accepted without your OK. The brand prepays through Rateful, your deposit arrives before filming starts, and the balance stays held until your posts are live.

Rateful takes 0% of your deals, and brands cover roughly 5% in booking protection, added to the deal amount and shown before payment. There is no creator cost until Rateful closes a first deal. From then on, plans run Free, Pro at $49 a month and Scale at $149 a month.

Payouts go to your Stripe account, which is US only for now, and you must be 18 or older to join. Rateful can't promise earnings: what you make depends on your rates and which brands say yes. The full breakdown is in Rateful vs Whop for brand deals, and rate benchmarks are in TikTok Shop creator video rates.

How Whop pricing changed

The billing line now carries a "when enabled" label, so it only applies if you turn it on³¹.

Whop is asking sellers to confirm their VAT, GST or similar tax registration status, with a response deadline of November 30, 2026¹⁰. That doesn't predict future prices, and this page won't guess at them.

Whop vs flat monthly fee platforms

Flat-fee platforms charge a subscription and take 0% of each sale, but you still pay card processing. Competitor prices below come from each company's own page: SchoolMaker's from September 10, 2026¹¹, Ruzuku's from September 13, 2026¹², and Drry's from October 25, 2026¹³. One disclosure: the ranking pages cited on this page, from Ruzuku, Drry and SchoolMaker, are written by Whop's competitors.

Free tiers exist too: Drry's free tier allows 100 members and 5 GB of storage with no card required¹³. Ruzuku also has a $0 plan limited to 5 concurrent enrollments. Ruzuku's Pro plan costs $199 monthly or $1,997 yearly, and annual billing on Core at $997 saves $191¹⁴.

Where the break-even sits depends on which add-ons you enable. Whop's own fee doc says its add-on fees stack on top of the base processing fee, so with everything enabled and tax collected, a domestic sale costs 6% + $0.30³. On a bare setup with no add-ons, Whop charges $0 a month plus processing. Once add-ons are on, a flat plan at $29 or $99 with 0% platform fees works out cheaper past a certain monthly sales level, even though the flat-fee platforms still pay card processing on top of their subscriptions.

Pick Whop if you're starting out, sell in bursts, or want its marketplace, built-in affiliate network and wide international payout coverage. SchoolMaker or Drry make more sense if you want a predictable monthly bill. Ruzuku fits if you want 0% platform fees on a course setup.

Gumroad, Patreon, Lemon Squeezy, Podia and Shopify aren't quoted here because their rates weren't re-checked for this page. For link-in-bio selling, see Beacons plans and fees and Stan Store vs Linktree fees.

How to pay less and how to cancel

There is no seller subscription to cancel. Using Whop is free², and fees only apply to certain transactions, so what you pay comes down to settings.

1. Withdraw by next-day ACH instead of instant, crypto or Venmo; the gap is in the $500 chart above.
2. Offer ACH direct debit on high-ticket sales. The 1.5% fee caps at $5, so it stops growing no matter how big the order gets³.
3. Keep add-ons off unless you need them. Everything enabled with tax collected takes a domestic sale to 6% + $0.30³.
4. Point iPhone buyers to a web browser for one-time purchases under $700, which skips the App Store fee entirely. All subscriptions, plus any one-time purchase at $700 or above, bypass Apple completely, even when the buyer is inside the iOS app⁶.
5. Drop the affiliate commission below the 30% default on products where your margin is thin⁵.

If you're a buyer ending a subscription, cancel from the website or mobile app and your access lasts through the rest of the billing period you already paid for¹⁰. Refund decisions on product or service issues sit with the seller, valid refunds come back in full including fees, and buyers file through the Resolution Center for a decision within a week⁴. If you're closing your account entirely, cancel all of your memberships first, then delete it from account settings¹⁰.