Whop vs Adyen: 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

Payment processor

Adyen

Card rate

Interchange++ + 0.60% + $0.13 per transaction (Visa and Mastercard)

No monthly fee listed

Quick take

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

Side by side

Pricing
	Whop	Adyen
Type	Payment processor	Payment processor
Pricing model	flat rate	interchange++
Card rate	2.7% + 30¢	Interchange++ + 0.60% + $0.13 per transaction (Visa and Mastercard)
International	+1.5% international cards, +1% currency conversion	Not published
Monthly fee	Not published	None
Setup fee	Not published	None
Chargeback fee	$15	Not published

Risk
	Whop	Adyen
High-risk businesses	Case by case	Case by case
Dropshipping	Not published	Case by case
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	Adyen
Payout speed	Next-day ACH ($2.50) or instant (4% + $2.50)	2 business days (if 80%+ of transactions are in a major currency acquired in its home region), otherwise 3 business days
Merchant countries	Payouts to 200+ countries	Adyen says it can accept, process and settle payments in 130+ countries; onboarding is through sales
Currencies	Not published	30+ settlement currencies

Integrations and features
	Whop	Adyen
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	Not published
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 Adyen if

Large ecommerce brands with enough volume to meet Adyen's minimum invoice that want interchange++ pricing across many countries.

+Interchange++ pricing with no setup, monthly or closure fees
+Restricted categories such as nutraceuticals and dropshipping can be approved with extra documentation
+Shopify app supports post-purchase upsells
+Default payouts in 2-3 business days
−Minimum invoice applies, set by industry or business model
−Chargeback fee is not published
−Shopify app only for organizations with existing Adyen approval
−No published list of countries where merchants can sign up

Adyen profile

Questions

Is Whop cheaper than Adyen?: Adyen doesn't publish a standard card rate, so you need a quote to compare. Whop publishes 2.7% + 30¢ on domestic cards with no monthly fee listed.
Does Adyen work with Shopify?: Third-party gateway. Shopify offers an Adyen payments app for organizations that already have Adyen approval; it requires Shopify Checkout and supports post-purchase upsells. The WooCommerce plugin is listed by Adyen as partner-built, not built by Adyen.
Does Adyen accept high-risk or dropshipping stores?: High-risk: case by case. Dropshipping: case by case. On Adyen's prohibited and restricted list, nutraceuticals and food products (including highly regulated ones such as CBD), direct marketing and teleservices, and drop shipping are marked restricted for merchants, meaning Adyen requires additional documentation before onboarding. Deceptive marketing such as poorly disclosed negative options, and practices designed to evade chargeback monitoring programs, are prohibited.

Sources

Whop sources · checked 2026-10-21

Adyen 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

Payment processor

Adyen

Card rate

Interchange++ + 0.60% + $0.13 per transaction (Visa and Mastercard)

No monthly fee listed

Side by side

Pricing
	Whop	Adyen
Type	Payment processor	Payment processor
Pricing model	flat rate	interchange++
Card rate	2.7% + 30¢	Interchange++ + 0.60% + $0.13 per transaction (Visa and Mastercard)
International	+1.5% international cards, +1% currency conversion	Not published
Monthly fee	Not published	None
Setup fee	Not published	None
Chargeback fee	$15	Not published

Risk
	Whop	Adyen
High-risk businesses	Case by case	Case by case
Dropshipping	Not published	Case by case
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	Adyen
Payout speed	Next-day ACH ($2.50) or instant (4% + $2.50)	2 business days (if 80%+ of transactions are in a major currency acquired in its home region), otherwise 3 business days
Merchant countries	Payouts to 200+ countries	Adyen says it can accept, process and settle payments in 130+ countries; onboarding is through sales
Currencies	Not published	30+ settlement currencies

Integrations and features
	Whop	Adyen
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	Not published
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 Adyen if

Large ecommerce brands with enough volume to meet Adyen's minimum invoice that want interchange++ pricing across many countries.

+Interchange++ pricing with no setup, monthly or closure fees
+Restricted categories such as nutraceuticals and dropshipping can be approved with extra documentation
+Shopify app supports post-purchase upsells
+Default payouts in 2-3 business days
−Minimum invoice applies, set by industry or business model
−Chargeback fee is not published
−Shopify app only for organizations with existing Adyen approval
−No published list of countries where merchants can sign up

Adyen profile

Questions

Is Whop cheaper than Adyen?

Adyen doesn't publish a standard card rate, so you need a quote to compare. Whop publishes 2.7% + 30¢ on domestic cards with no monthly fee listed.

Does Adyen work with Shopify?

Third-party gateway. Shopify offers an Adyen payments app for organizations that already have Adyen approval; it requires Shopify Checkout and supports post-purchase upsells. The WooCommerce plugin is listed by Adyen as partner-built, not built by Adyen.

Does Adyen accept high-risk or dropshipping stores?

High-risk: case by case. Dropshipping: case by case. On Adyen's prohibited and restricted list, nutraceuticals and food products (including highly regulated ones such as CBD), direct marketing and teleservices, and drop shipping are marked restricted for merchants, meaning Adyen requires additional documentation before onboarding. Deceptive marketing such as poorly disclosed negative options, and practices designed to evade chargeback monitoring programs, are prohibited.