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
Stax
Card rate
Interchange + $0.15 per transaction (card not present), plus monthly subscription
Monthly: $99/month (up to $150K yearly volume), $139/month ($150K-$250K), $199+/month ($250K+)
| Whop | Stax | |
|---|---|---|
| Type | Payment processor | Payment processor |
| Pricing model | flat rate | subscription + interchange (0% markup) + per-transaction fee |
| Card rate | 2.7% + 30¢ | Interchange + $0.15 per transaction (card not present), plus monthly subscription |
| International | +1.5% international cards, +1% currency conversion | Not published |
| Monthly fee | Not published | $99/month (up to $150K yearly volume), $139/month ($150K-$250K), $199+/month ($250K+) |
| Setup fee | Not published | Not published |
| Chargeback fee | $15 | Not published |
| Whop | Stax | |
|---|---|---|
| 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). | Stax may place temporary risk holds on deposits when a transaction exceeds the approved high-ticket or average-ticket amount, and some new accounts need first-batch transactions verified. No reserve percentage is published. |
| Whop | Stax | |
|---|---|---|
| Payout speed | Next-day ACH ($2.50) or instant (4% + $2.50) | Next business day for cards (per pricing page); ACH about 5 business days |
| Merchant countries | Payouts to 200+ countries | Not published |
| Currencies | Not published | Not published |
| Whop | Stax | |
|---|---|---|
| Shopify | Replaces checkout | Not published |
| 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 Stax if
Merchants with steady card volume who prefer a flat monthly fee and interchange with no percentage markup.
Whop sources · checked 2026-10-21
Stax sources · checked 2026-10-21