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
PayPal
Card rate
2.99% + 49¢ (standard credit and debit card payments)
No monthly fee listed
| Whop | PayPal | |
|---|---|---|
| Type | Payment processor | Wallet |
| Pricing model | flat rate | flat rate by product |
| Card rate | 2.7% + 30¢ | 2.99% + 49¢ (standard credit and debit card payments) |
| International | +1.5% international cards, +1% currency conversion | +1.50% for international commercial transactions; currency conversion spread of 3.00% to 4.00% |
| Monthly fee | Not published | None for standard or advanced card payments; Payments Advanced $5/month; Payments Pro and Payments Pro Payflow $30/month |
| Setup fee | Not published | Not published |
| Chargeback fee | $15 | $20 card chargeback fee; dispute fee $15 (standard) or $30 (high volume) |
| Whop | PayPal | |
|---|---|---|
| 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). | PayPal holds the initial payments new sellers receive for up to 21 days and may hold payments again if it sees unusual changes in selling patterns. |
| Whop | PayPal | |
|---|---|---|
| Payout speed | Next-day ACH ($2.50) or instant (4% + $2.50) | 1-3 business days (standard transfer from PayPal balance to bank) |
| Merchant countries | Payouts to 200+ countries | 200+ countries and regions |
| Currencies | Not published | 25 currencies |
| Whop | PayPal | |
|---|---|---|
| Shopify | Replaces checkout | Third-party gateway |
| WooCommerce | Not published | Yes |
| Subscriptions | Yes | Yes |
| 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 PayPal if
Stores that want to add PayPal, Venmo and Pay Later as extra checkout options next to their main card processor.
Whop sources · checked 2026-10-21
PayPal sources · checked 2026-10-21