Whop vs Payline Data: 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

High-risk merchant services

Payline Data

Card rate

Interchange + 0.50% + 20¢ (card-not-present, under $50K/month)

No monthly fee listed

Quick take

Payline Data sets you up with a merchant account through partner banks, with terms quoted per business. Whop publishes one flat rate.
Payline Data boards high-risk businesses. Whop reviews case by case and bans unapproved supplements and vapes.

Side by side

Pricing
	Whop	Payline Data
Type	Payment processor	High-risk merchant services
Pricing model	flat rate	interchange-plus (standard accounts); custom quote (high-risk)
Card rate	2.7% + 30¢	Interchange + 0.50% + 20¢ (card-not-present, under $50K/month)
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

Risk
	Whop	Payline Data
High-risk businesses	Case by case	Yes
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	Payline Data
Payout speed	Next-day ACH ($2.50) or instant (4% + $2.50)	Not published
Merchant countries	Payouts to 200+ countries	United States (serves merchants nationwide; registered ISO of Pathward, N.A.)
Currencies	Not published	Not published

Integrations and features
	Whop	Payline Data
Shopify	Replaces checkout	Not published
WooCommerce	Not published	Not published
Subscriptions	Yes	Yes
One-click upsells	Yes	Not published
Apple Pay	Yes	Not published
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 Payline Data if

US merchants who want published interchange-plus pricing and help placing a high-risk account.

+Publishes interchange-plus markups by monthly volume
+High-risk page names dropshipping among eligible verticals
+Places high-risk accounts with multiple providers
+Own gateway with virtual terminal and API docs
−High-risk pricing and reserves not published
−No published funding timeline
−Shopify and WooCommerce support not documented on current pages

Payline Data profile

Questions

Is Whop cheaper than Payline Data?: Payline Data 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 Payline Data work with Shopify?: Not published. Offers its own payment gateway with a virtual terminal and developer docs. Current pages do not name Shopify or WooCommerce.
Does Payline Data accept high-risk or dropshipping stores?: High-risk: yes. Dropshipping: yes. The high-risk page lists nutraceuticals, subscription/continuity, MLM, coaching, firearms, tobacco, adult, gaming, telemedicine, dropshipping and travel, subject to provider eligibility. It says high-risk accounts are placed through multiple providers, are not sponsored by Fiserv, and that not every account requires a rolling reserve.

Sources

Whop sources · checked 2026-10-21

Payline Data 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

High-risk merchant services

Payline Data

Card rate

Interchange + 0.50% + 20¢ (card-not-present, under $50K/month)

No monthly fee listed

Side by side

Pricing
	Whop	Payline Data
Type	Payment processor	High-risk merchant services
Pricing model	flat rate	interchange-plus (standard accounts); custom quote (high-risk)
Card rate	2.7% + 30¢	Interchange + 0.50% + 20¢ (card-not-present, under $50K/month)
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

Risk
	Whop	Payline Data
High-risk businesses	Case by case	Yes
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	Payline Data
Payout speed	Next-day ACH ($2.50) or instant (4% + $2.50)	Not published
Merchant countries	Payouts to 200+ countries	United States (serves merchants nationwide; registered ISO of Pathward, N.A.)
Currencies	Not published	Not published

Integrations and features
	Whop	Payline Data
Shopify	Replaces checkout	Not published
WooCommerce	Not published	Not published
Subscriptions	Yes	Yes
One-click upsells	Yes	Not published
Apple Pay	Yes	Not published
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 Payline Data if

US merchants who want published interchange-plus pricing and help placing a high-risk account.

+Publishes interchange-plus markups by monthly volume
+High-risk page names dropshipping among eligible verticals
+Places high-risk accounts with multiple providers
+Own gateway with virtual terminal and API docs
−High-risk pricing and reserves not published
−No published funding timeline
−Shopify and WooCommerce support not documented on current pages

Payline Data profile

Questions

Is Whop cheaper than Payline Data?

Payline Data 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 Payline Data work with Shopify?

Not published. Offers its own payment gateway with a virtual terminal and developer docs. Current pages do not name Shopify or WooCommerce.

Does Payline Data accept high-risk or dropshipping stores?

High-risk: yes. Dropshipping: yes. The high-risk page lists nutraceuticals, subscription/continuity, MLM, coaching, firearms, tobacco, adult, gaming, telemedicine, dropshipping and travel, subject to provider eligibility. It says high-risk accounts are placed through multiple providers, are not sponsored by Fiserv, and that not every account requires a rolling reserve.