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
Helcim
Card rate
Interchange + 0.50% + 25¢ (keyed and online, $0-$50K monthly volume)
No monthly fee listed
| Whop | Helcim | |
|---|---|---|
| Type | Payment processor | Payment processor |
| Pricing model | flat rate | interchange-plus |
| Card rate | 2.7% + 30¢ | Interchange + 0.50% + 25¢ (keyed and online, $0-$50K monthly volume) |
| International | +1.5% international cards, +1% currency conversion | International interchange (often 1.10% to 2.25%) plus a card-brand cross-border fee of around 1%, on top of Helcim's margin |
| Monthly fee | Not published | $0 |
| Setup fee | Not published | $0 |
| Chargeback fee | $15 | $15 if lost, $0 if resolved in your favor |
| Whop | Helcim | |
|---|---|---|
| High-risk businesses | Case by case | Case by case |
| Dropshipping | Not published | No |
| 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 | Helcim | |
|---|---|---|
| Payout speed | Next-day ACH ($2.50) or instant (4% + $2.50) | 1-2 business days after the batch settles; next business day with free Faster Deposits at eligible banks |
| Merchant countries | Payouts to 200+ countries | United States and Canada |
| Currencies | Not published | USD, CAD |
| Whop | Helcim | |
|---|---|---|
| Shopify | Replaces checkout | Not published |
| WooCommerce | Not published | Yes |
| Subscriptions | Yes | Yes |
| One-click upsells | Yes | Not published |
| Apple Pay | Yes | Not published |
| Multiple MIDs | Not published | Not published |
| Token portability | Not published | Yes |
Pick Whop if
Funnel and subscription brands that want storefront, checkout and payments from one company at a flat published rate.
Pick Helcim if
US and Canadian merchants with low-risk products who want transparent interchange-plus pricing without monthly fees.
Whop sources · checked 2026-10-21