Whop vs Stripe: fees, holds and features compared (2026)

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

Stripe

Card rate

2.9% + 30¢

No monthly fee listed

Quick take

On a $50 card order, Whop's published rate costs $1.65 and Stripe's costs $1.75, $0.10 more.
Stripe doesn't accept high-risk businesses under its published policies.

Side by side

Pricing
	Whop	Stripe
Type	Payment processor	Payment processor
Pricing model	flat rate	flat rate
Card rate	2.7% + 30¢	2.9% + 30¢
International	+1.5% international cards, +1% currency conversion	+1.5% for international cards; +1% when currency conversion is required
Monthly fee	Not published	None
Setup fee	Not published	None
Chargeback fee	$15	$15 per dispute; another $15 to counter a dispute, refunded if you win

Risk
	Whop	Stripe
High-risk businesses	Case by case	No
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).	Stripe may place a fixed or rolling reserve based on risk factors such as industry, dispute and refund rates, long delivery windows or sudden volume spikes. Terms (amount and duration) are emailed, and Stripe says a reserve may be required indefinitely in rare cases.

Payouts and coverage
	Whop	Stripe
Payout speed	Next-day ACH ($2.50) or instant (4% + $2.50)	2 business days (US initial settlement timing)
Merchant countries	Payouts to 200+ countries	51 countries and regions (India and Indonesia in preview; Cote d'Ivoire, Ghana, Kenya, Nigeria and South Africa on the extended network)
Currencies	Not published	135+ presentment currencies

Integrations and features
	Whop	Stripe
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	Yes

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 Stripe if

Online brands with standard risk profiles that want published pricing and a large set of payment, billing and developer tools.

+Published flat rate of 2.9% + 30¢ with no setup or monthly fees
+Will export saved card data to another PCI DSS Level 1 processor if you leave
+Self-serve signup in 51 countries and charges in 135+ currencies
+Official WooCommerce extension built by Stripe
−Prohibits negative option marketing and high-pressure upselling, which rules out many direct response funnels
−International cards add 1.5%, plus 1% when currency conversion applies
−$15 dispute fee, plus another $15 if you counter
−Not offered as a separate Shopify payment provider

Stripe profile

Questions

Is Whop cheaper than Stripe?: On published rates, a $50 order costs $1.65 on Whop (2.7% + 30¢) and $1.75 on Stripe (2.9% + 30¢). Check international card surcharges and chargeback fees too.
Does Stripe work with Shopify?: Not published. Stripe says Shopify partners with Stripe to power Shopify Payments, but neither company publishes Stripe as a standalone Shopify third-party payment provider. WooCommerce has an official Stripe extension built by Stripe.
Does Stripe accept high-risk or dropshipping stores?: High-risk: no. Dropshipping: yes. Stripe's restricted business list prohibits negative option marketing, reduced price trials with unclear pricing, businesses that make outrageous claims or use high-pressure upselling, telemarketing, and evasion of chargeback monitoring programs. Supplements and nutraceuticals are only listed as prohibited when unsafe or making harmful claims (vitamins are prohibited for Thailand accounts). Stripe's own dropshipping guide says it can support dropshippers; Indian Stripe accounts cannot accept international payments for dropshipping.
Does Stripe hold reserves?: Stripe may place a fixed or rolling reserve based on risk factors such as industry, dispute and refund rates, long delivery windows or sudden volume spikes. Terms (amount and duration) are emailed, and Stripe says a reserve may be required indefinitely in rare cases.

Side by side

Pricing
	Whop	Stripe
Type	Payment processor	Payment processor
Pricing model	flat rate	flat rate
Card rate	2.7% + 30¢	2.9% + 30¢
International	+1.5% international cards, +1% currency conversion	+1.5% for international cards; +1% when currency conversion is required
Monthly fee	Not published	None
Setup fee	Not published	None
Chargeback fee	$15	$15 per dispute; another $15 to counter a dispute, refunded if you win

Risk
	Whop	Stripe
High-risk businesses	Case by case	No
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).	Stripe may place a fixed or rolling reserve based on risk factors such as industry, dispute and refund rates, long delivery windows or sudden volume spikes. Terms (amount and duration) are emailed, and Stripe says a reserve may be required indefinitely in rare cases.

Payouts and coverage
	Whop	Stripe
Payout speed	Next-day ACH ($2.50) or instant (4% + $2.50)	2 business days (US initial settlement timing)
Merchant countries	Payouts to 200+ countries	51 countries and regions (India and Indonesia in preview; Cote d'Ivoire, Ghana, Kenya, Nigeria and South Africa on the extended network)
Currencies	Not published	135+ presentment currencies

Integrations and features
	Whop	Stripe
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	Yes

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 Stripe if

Online brands with standard risk profiles that want published pricing and a large set of payment, billing and developer tools.

+Published flat rate of 2.9% + 30¢ with no setup or monthly fees
+Will export saved card data to another PCI DSS Level 1 processor if you leave
+Self-serve signup in 51 countries and charges in 135+ currencies
+Official WooCommerce extension built by Stripe
−Prohibits negative option marketing and high-pressure upselling, which rules out many direct response funnels
−International cards add 1.5%, plus 1% when currency conversion applies
−$15 dispute fee, plus another $15 if you counter
−Not offered as a separate Shopify payment provider

Stripe profile

Questions

Is Whop cheaper than Stripe?

On published rates, a $50 order costs $1.65 on Whop (2.7% + 30¢) and $1.75 on Stripe (2.9% + 30¢). Check international card surcharges and chargeback fees too.

Does Stripe work with Shopify?

Not published. Stripe says Shopify partners with Stripe to power Shopify Payments, but neither company publishes Stripe as a standalone Shopify third-party payment provider. WooCommerce has an official Stripe extension built by Stripe.

Does Stripe accept high-risk or dropshipping stores?

High-risk: no. Dropshipping: yes. Stripe's restricted business list prohibits negative option marketing, reduced price trials with unclear pricing, businesses that make outrageous claims or use high-pressure upselling, telemarketing, and evasion of chargeback monitoring programs. Supplements and nutraceuticals are only listed as prohibited when unsafe or making harmful claims (vitamins are prohibited for Thailand accounts). Stripe's own dropshipping guide says it can support dropshippers; Indian Stripe accounts cannot accept international payments for dropshipping.

Does Stripe hold reserves?

Stripe may place a fixed or rolling reserve based on risk factors such as industry, dispute and refund rates, long delivery windows or sudden volume spikes. Terms (amount and duration) are emailed, and Stripe says a reserve may be required indefinitely in rare cases.

Quick take

Side by side

Which one fits

Questions

Sources

Quick take

Side by side

Which one fits

Questions

Sources