Whop vs 2Checkout: fees, holds and reserves

Fees, reserves, high-risk acceptance, Shopify support and payouts, side by side. Every figure comes from each company's own pages, checked 2026-10-21.

Payment processor

Whop

Card rate

2.7% + 30¢

No monthly fee listed

Merchant of record

2Checkout (Verifone)

Card rate

3.5% + $0.35 (2Sell); 4.5% + $0.45 (2Subscribe)

No monthly fee listed

Quick take

2Checkout (Verifone) is a merchant of record: it sells on your behalf and handles sales tax, which suits software and digital goods more than physical products.
On a $50 card order, Whop's published rate costs $1.65 and 2Checkout (Verifone)'s costs $2.10, $0.45 more.
2Checkout (Verifone) works inside Shopify (third-party gateway). Whop replaces Shopify with its own storefront.

Side by side

Pricing
	Whop	2Checkout (Verifone)
Type	Payment processor	Merchant of record
Pricing model	flat rate	flat rate per plan; custom for 2Monetize
Card rate	2.7% + 30¢	3.5% + $0.35 (2Sell); 4.5% + $0.45 (2Subscribe)
International	+1.5% international cards, +1% currency conversion	Not published
Monthly fee	Not published	Not published
Setup fee	Not published	Not published
Chargeback fee	$15	Set per account; documented example is $36/€31/£30 below a 0.65% chargeback rate and $50/€50/£50 at 0.65% or above

Risk
	Whop	2Checkout (Verifone)
High-risk businesses	Case by case	Not published
Dropshipping	Not published	Yes
Reserves	May hold a reserve when an account is new, when disputes trend toward card-network thresholds, or when delivery comes long after payment (example: 10% for 90 days).	Not published

Payouts and coverage
	Whop	2Checkout (Verifone)
Payout speed	Next-day ACH ($2.50) or instant (4% + $2.50)	Not published
Merchant countries	Payouts to 200+ countries	Not published
Currencies	Not published	Up to 99 billing currencies depending on region; 45+ payment methods; buyers in 200+ countries and territories

Integrations and features
	Whop	2Checkout (Verifone)
Shopify	Replaces checkout	Third-party gateway
WooCommerce	Not published	Yes
Subscriptions	Yes	Yes
One-click upsells	Yes	Yes
Apple Pay	Yes	Yes
Multiple MIDs	Not published	No
Token portability	Not published	Not published

Which one fits

Pick Whop if

Funnel and subscription brands that want storefront, checkout and payments from one company at a flat published rate.

+Published flat rate of 2.7% + 30¢ with no monthly platform fee listed
+Storefront, checkout, subscriptions and payouts in one product
+API and CLI that AI coding agents can use to build and edit stores
−Ecommerce storefronts launched in October 2026 and docs still called physical goods a work in progress on October 20, 2026
−Reserves possible on new accounts and late-shipping stores
−International cards cost 1.5% extra

Whop profile

Pick 2Checkout (Verifone) if

A digital goods seller that wants a reseller model, or a small store that needs a non-Shopify Payments gateway for Shopify or WooCommerce.

+Supports physical products with shipping on 2Sell and 2Subscribe, unlike most merchant of record platforms.
+Connectors for Shopify, WooCommerce and AliDropship.
+45+ payment methods and up to 99 billing currencies.
+Enterprise accounts can import subscriptions and card data into the 2Checkout vault.
−The merchant of record package (2Monetize) is digital goods only and has no public rate.
−Chargeback fees of $36 to $50 per dispute in the documented example.
−Docs cover importing card data but not exporting stored cards to another provider.
−The Shopify connector excludes 2Monetize accounts.

2Checkout (Verifone) profile

Questions

Is Whop cheaper than 2Checkout (Verifone)?: On published rates, a $50 order costs $1.65 on Whop (2.7% + 30¢) and $2.10 on 2Checkout (Verifone) (3.5% + $0.35 (2Sell); 4.5% + $0.45 (2Subscribe)). Check international card surcharges and chargeback fees too.
Does 2Checkout (Verifone) work with Shopify?: Third-party gateway. The 2CO ConvertPlus connector is added in Shopify as an alternative payment method and is only for 2Sell and 2Subscribe accounts. WooCommerce and AliDropship plugins are documented.
Does 2Checkout (Verifone) accept high-risk or dropshipping stores?: High-risk: not published. Dropshipping: yes. Physical products with shipping methods are supported, but only outside 2Monetize, which is limited to digital goods. An AliDropship connector exists for 2Sell and 2Subscribe accounts. Payouts are not available in restricted countries, and changing payout details puts the account in restricted mode until approved.

Sources

Whop sources · checked 2026-10-21

2Checkout (Verifone) sources · checked 2026-10-21

Fees, reserves, high-risk acceptance, Shopify support and payouts, side by side. Every figure comes from each company's own pages, checked 2026-10-21.

Payment processor

Whop

Card rate

2.7% + 30¢

No monthly fee listed

Merchant of record

2Checkout (Verifone)

Card rate

3.5% + $0.35 (2Sell); 4.5% + $0.45 (2Subscribe)

No monthly fee listed

Quick take

2Checkout (Verifone) is a merchant of record: it sells on your behalf and handles sales tax, which suits software and digital goods more than physical products.

On a $50 card order, Whop's published rate costs $1.65 and 2Checkout (Verifone)'s costs $2.10, $0.45 more.

2Checkout (Verifone) works inside Shopify (third-party gateway). Whop replaces Shopify with its own storefront.

Side by side

Pricing
	Whop	2Checkout (Verifone)
Type	Payment processor	Merchant of record
Pricing model	flat rate	flat rate per plan; custom for 2Monetize
Card rate	2.7% + 30¢	3.5% + $0.35 (2Sell); 4.5% + $0.45 (2Subscribe)
International	+1.5% international cards, +1% currency conversion	Not published
Monthly fee	Not published	Not published
Setup fee	Not published	Not published
Chargeback fee	$15	Set per account; documented example is $36/€31/£30 below a 0.65% chargeback rate and $50/€50/£50 at 0.65% or above

Risk
	Whop	2Checkout (Verifone)
High-risk businesses	Case by case	Not published
Dropshipping	Not published	Yes
Reserves	May hold a reserve when an account is new, when disputes trend toward card-network thresholds, or when delivery comes long after payment (example: 10% for 90 days).	Not published

Payouts and coverage
	Whop	2Checkout (Verifone)
Payout speed	Next-day ACH ($2.50) or instant (4% + $2.50)	Not published
Merchant countries	Payouts to 200+ countries	Not published
Currencies	Not published	Up to 99 billing currencies depending on region; 45+ payment methods; buyers in 200+ countries and territories

Integrations and features
	Whop	2Checkout (Verifone)
Shopify	Replaces checkout	Third-party gateway
WooCommerce	Not published	Yes
Subscriptions	Yes	Yes
One-click upsells	Yes	Yes
Apple Pay	Yes	Yes
Multiple MIDs	Not published	No
Token portability	Not published	Not published

Which one fits

Pick Whop if

Funnel and subscription brands that want storefront, checkout and payments from one company at a flat published rate.

+Published flat rate of 2.7% + 30¢ with no monthly platform fee listed
+Storefront, checkout, subscriptions and payouts in one product
+API and CLI that AI coding agents can use to build and edit stores
−Ecommerce storefronts launched in October 2026 and docs still called physical goods a work in progress on October 20, 2026
−Reserves possible on new accounts and late-shipping stores
−International cards cost 1.5% extra

Whop profile

Pick 2Checkout (Verifone) if

A digital goods seller that wants a reseller model, or a small store that needs a non-Shopify Payments gateway for Shopify or WooCommerce.

+Supports physical products with shipping on 2Sell and 2Subscribe, unlike most merchant of record platforms.
+Connectors for Shopify, WooCommerce and AliDropship.
+45+ payment methods and up to 99 billing currencies.
+Enterprise accounts can import subscriptions and card data into the 2Checkout vault.
−The merchant of record package (2Monetize) is digital goods only and has no public rate.
−Chargeback fees of $36 to $50 per dispute in the documented example.
−Docs cover importing card data but not exporting stored cards to another provider.
−The Shopify connector excludes 2Monetize accounts.

2Checkout (Verifone) profile

Questions

Is Whop cheaper than 2Checkout (Verifone)?

On published rates, a $50 order costs $1.65 on Whop (2.7% + 30¢) and $2.10 on 2Checkout (Verifone) (3.5% + $0.35 (2Sell); 4.5% + $0.45 (2Subscribe)). Check international card surcharges and chargeback fees too.

Does 2Checkout (Verifone) work with Shopify?

Third-party gateway. The 2CO ConvertPlus connector is added in Shopify as an alternative payment method and is only for 2Sell and 2Subscribe accounts. WooCommerce and AliDropship plugins are documented.

Does 2Checkout (Verifone) accept high-risk or dropshipping stores?

High-risk: not published. Dropshipping: yes. Physical products with shipping methods are supported, but only outside 2Monetize, which is limited to digital goods. An AliDropship connector exists for 2Sell and 2Subscribe accounts. Payouts are not available in restricted countries, and changing payout details puts the account in restricted mode until approved.