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
Wallet
Apple Pay
Card rate
Quote only
No monthly fee listed
| Whop | Apple Pay | |
|---|---|---|
| Type | Payment processor | Wallet |
| Pricing model | flat rate | No separate fee; your processor's card rates apply |
| Card rate | 2.7% + 30¢ | Not published |
| 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 | Not published |
| Whop | Apple Pay | |
|---|---|---|
| High-risk businesses | Case by case | Not published |
| Dropshipping | Not published | Not published |
| 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 |
| Whop | Apple Pay | |
|---|---|---|
| Payout speed | Next-day ACH ($2.50) or instant (4% + $2.50) | Not published |
| Merchant countries | Payouts to 200+ countries | Depends on your processor; Apple lists 100 countries and regions where Apple Pay is supported. |
| Currencies | Not published | Not published |
| Whop | Apple Pay | |
|---|---|---|
| Shopify | Replaces checkout | Built in |
| WooCommerce | Not published | Yes |
| Subscriptions | Yes | Not published |
| One-click upsells | Yes | Not published |
| Apple Pay | Yes | Yes |
| Multiple MIDs | Not published | Not published |
| Token portability | Not published | Not published |
Pick Whop if
Funnel and subscription brands that want storefront, checkout and payments from one company at a flat published rate.
Pick Apple Pay if
Any store that wants faster checkout for Apple device users, added through its existing processor or platform.
Whop sources · checked 2026-10-21
Apple Pay sources · checked 2026-10-21