Whop vs Sticky.io: 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

Checkout & funnel platform

Sticky.io

Card rate

Quote only

Monthly: From $499/mo base platform license (CRM + Checkout)

Quick take

Sticky.io is a checkout and funnel platform, not a processor: you still need a gateway or merchant account behind it. Whop is processor, checkout and storefront in one.
Sticky.io doesn't publish a standard card rate (subscription + % of gross sales + per-decline fee). Whop publishes 2.7% + 30¢ with no monthly fee listed.
Monthly fees at Sticky.io: From $499/mo base platform license (CRM + Checkout). Whop lists no monthly fee.
Sticky.io boards high-risk businesses. Whop reviews case by case and bans unapproved supplements and vapes.

Side by side

Pricing
	Whop	Sticky.io
Type	Payment processor	Checkout & funnel platform
Pricing model	flat rate	subscription + % of gross sales + per-decline fee
Card rate	2.7% + 30¢	Not published
International	+1.5% international cards, +1% currency conversion	Not published
Monthly fee	Not published	From $499/mo base platform license (CRM + Checkout)
Setup fee	Not published	Not published
Chargeback fee	$15	Not published

Risk
	Whop	Sticky.io
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	Sticky.io
Payout speed	Next-day ACH ($2.50) or instant (4% + $2.50)	Not published
Merchant countries	Payouts to 200+ countries	Not published
Currencies	Not published	Not published

Integrations and features
	Whop	Sticky.io
Shopify	Replaces checkout	Replaces checkout
WooCommerce	Not published	Not published
Subscriptions	Yes	Yes
One-click upsells	Yes	Yes
Apple Pay	Yes	Yes
Multiple MIDs	Not published	Yes
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 Sticky.io if

A subscription or direct response brand at meaningful volume that runs several merchant accounts and wants routing, dunning and CRM in one place.

+Payment routing profiles split traffic across gateways by weight, round robin or priority, with monthly caps, decline limits and reserve gateways.
+MID Group Routing can keep a customer's transactions together or apart by MID group.
+Published pricing with a revenue share that falls to 0.25% at high volume.
+Documented process for importing card data from a previous provider over SFTP with PGP encryption.
−Entry pricing is $499/mo plus 1% of gross sales and $0.04 per decline.
−CSV order exports include only the last four card digits, and no card export process is published.
−After termination, data access is a 60-day request that must be made in writing within 10 days.

Sticky.io profile

Questions

Is Whop cheaper than Sticky.io?: Sticky.io 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 Sticky.io work with Shopify?: Replaces checkout. Sticky Checkout for Shopify connects your store through a Shopify custom app and serves checkout on your own domain through Cloudflare. It claims 200+ plug-and-play integrations.
Does Sticky.io accept high-risk or dropshipping stores?: High-risk: yes. Dropshipping: yes. Sticky.io is software, not an acquirer; your gateways underwrite. Its company profile names high-risk and heavily regulated industries as an ideal fit and lists high-margin dropshippers as target customers. Its terms warn that load balancing is prohibited by the card schemes and banks and can end your merchant facilities.

Sources

Whop sources · checked 2026-10-21

Sticky.io 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

Checkout & funnel platform

Sticky.io

Card rate

Quote only

Monthly: From $499/mo base platform license (CRM + Checkout)

Quick take

Sticky.io is a checkout and funnel platform, not a processor: you still need a gateway or merchant account behind it. Whop is processor, checkout and storefront in one.

Sticky.io doesn't publish a standard card rate (subscription + % of gross sales + per-decline fee). Whop publishes 2.7% + 30¢ with no monthly fee listed.

Monthly fees at Sticky.io: From $499/mo base platform license (CRM + Checkout). Whop lists no monthly fee.

Sticky.io boards high-risk businesses. Whop reviews case by case and bans unapproved supplements and vapes.

Side by side

Pricing
	Whop	Sticky.io
Type	Payment processor	Checkout & funnel platform
Pricing model	flat rate	subscription + % of gross sales + per-decline fee
Card rate	2.7% + 30¢	Not published
International	+1.5% international cards, +1% currency conversion	Not published
Monthly fee	Not published	From $499/mo base platform license (CRM + Checkout)
Setup fee	Not published	Not published
Chargeback fee	$15	Not published

Risk
	Whop	Sticky.io
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	Sticky.io
Payout speed	Next-day ACH ($2.50) or instant (4% + $2.50)	Not published
Merchant countries	Payouts to 200+ countries	Not published
Currencies	Not published	Not published

Integrations and features
	Whop	Sticky.io
Shopify	Replaces checkout	Replaces checkout
WooCommerce	Not published	Not published
Subscriptions	Yes	Yes
One-click upsells	Yes	Yes
Apple Pay	Yes	Yes
Multiple MIDs	Not published	Yes
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 Sticky.io if

A subscription or direct response brand at meaningful volume that runs several merchant accounts and wants routing, dunning and CRM in one place.

+Payment routing profiles split traffic across gateways by weight, round robin or priority, with monthly caps, decline limits and reserve gateways.
+MID Group Routing can keep a customer's transactions together or apart by MID group.
+Published pricing with a revenue share that falls to 0.25% at high volume.
+Documented process for importing card data from a previous provider over SFTP with PGP encryption.
−Entry pricing is $499/mo plus 1% of gross sales and $0.04 per decline.
−CSV order exports include only the last four card digits, and no card export process is published.
−After termination, data access is a 60-day request that must be made in writing within 10 days.

Sticky.io profile

Questions

Is Whop cheaper than Sticky.io?

Sticky.io 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 Sticky.io work with Shopify?

Replaces checkout. Sticky Checkout for Shopify connects your store through a Shopify custom app and serves checkout on your own domain through Cloudflare. It claims 200+ plug-and-play integrations.

Does Sticky.io accept high-risk or dropshipping stores?

High-risk: yes. Dropshipping: yes. Sticky.io is software, not an acquirer; your gateways underwrite. Its company profile names high-risk and heavily regulated industries as an ideal fit and lists high-margin dropshippers as target customers. Its terms warn that load balancing is prohibited by the card schemes and banks and can end your merchant facilities.