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An Account represents a person or business on Whop that can have its own profile, wallet, and account-scoped settings. Use accounts for customers, creators, merchants, sellers, or connected businesses your integration supports. Use the Accounts API to create accounts, list accounts visible to your credentials, retrieve or update an account, and retrieve the account associated with the current API key. Accounts are classified by the business_type, industry_group, and industry_type fields. See Business Types & Industries for every valid value.

Endpoints

Attributes

id
string
required
Account ID, prefixed biz_.
balances
object[]
required
Account holdings, each with USD value. Empty when total_usd is null.

Properties

balance
string
required
Total amount held in native units, as a decimal string.
breakdown
object
required
Balance split into available, pending, and reserve amounts, as native-unit decimal strings. On-chain crypto is entirely available; good_funds and fiat cash can have pending or reserve portions.
icon_url
string | null
required
Holding icon URL.
name
string
required
The holding’s display name
price_usd
number | null
required
USD price per unit, or null when no exchange rate is available.
symbol
string
required
Holding display symbol, such as USDT, cbBTC, or EUR.
value_usd
string | null
required
Holding USD value, or null when no exchange rate is available.
banner_image_url
string | null
required
Account banner image URL.
business_address
object | null
required
Account business address used to calculate tax, with line1, line2, city, state, postal_code, and country. null when no address is set.
business_type
string | null
required
High-level business category for the account.
capabilities
object | null
required
Payment rails enabled for this account, each active, inactive, or pending (onboarding or review in progress). Computed only on retrieve and me for callers with company:balance:read scope; null otherwise.

Properties

accept_bank_payments
string
required
Bank payins: debits, transfers, and local bank railsAvailable options: active, inactive, pending
accept_bnpl_payments
string
required
Buy-now-pay-later payins; requires approvalAvailable options: active, inactive, pending
accept_card_payments
string
required
Card payins, including Apple Pay and Google PayAvailable options: active, inactive, pending
bank_deposit
string
required
Deposits by bank wire or ACH to the account’s virtual bank accountAvailable options: active, inactive, pending
card_deposit
string
required
Balance top-ups by charging a stored payment methodAvailable options: active, inactive, pending
card_issuing
string
required
Issuing Whop cards; requires card application approvalAvailable options: active, inactive, pending
crypto_deposit
string
required
On-chain deposits to the account’s crypto walletAvailable options: active, inactive, pending
crypto_payout
string
required
On-chain payouts to a crypto walletAvailable options: active, inactive, pending
instant_payout
string
required
Instant payouts to an eligible payout destinationAvailable options: active, inactive, pending
standard_payout
string
required
Standard payouts to an external payout destinationAvailable options: active, inactive, pending
transfer
string
required
Transfers to other accountsAvailable options: active, inactive, pending
country
string | null
required
Country where the account is located.
created_at
string
required
When the account was created, as an ISO 8601 timestamp.
description
string | null
required
Account promotional description.
email
string | null
required
Account owner email address.
home_preferences
string[]
required
Public account home page preferences.
industry_group
string | null
required
Account industry group.
industry_type
string | null
required
Specific industry vertical for the account.
invoice_prefix
string | null
required
Prefix used for account invoices.
llc_formation
object
required
LLC formation state for the account: a draft state with payment_pending, or the live filing state with registration progress, documents, and pending signatures.
logo_url
string | null
required
Account logo image URL.
metadata
object
required
Arbitrary key/value metadata supplied at account creation.
onboarding_type
string | null
required
Type of onboarding the account has completed.
opengraph_image_url
string | null
required
Account Open Graph image URL.
opengraph_image_variant
string | null
required
Account Open Graph image variant.
other_business_description
string | null
required
Business type details when business_type is other.
other_industry_description
string | null
required
Industry details when industry_type is other.
parent_account_id
string | null
required
Parent account ID for connected accounts.
payment_controls
object | null
required
Payment health controls currently applied to the account. Computed only on retrieve and me for callers with company:balance:read scope; null otherwise.

Properties

dispute_alert_auto_refund
object
required
Automatic refund settings for pre-chargeback dispute alerts.

Properties

locked
boolean
required
Whether the account owner is prevented from changing this threshold.
threshold_usd
number | null
required
Maximum dispute alert amount automatically refunded in USD. null when automatic refunds are disabled.
dispute_alert_fee_usd
number | null
required
Fee charged for each dispute alert in USD. null when unavailable.
financing_disabled
boolean
required
Whether payment health controls explicitly disable financing. This is independent of financing approval in capabilities.accept_bnpl_payments.
high_risk_processing_fee_percentage
number
required
Additional processing fee percentage for high-risk processing. Currently 0 for all accounts.
pending_balance_delay_days
integer
required
Additional days payments remain pending before becoming available.
reserve
object
required
Reserve currently applied to incoming payment volume.

Properties

hold_period_days
integer
required
Number of days reserved funds are held before release.
percentage
number | null
required
Percentage of incoming payment volume held in reserve. null when no reserve is applied.
resolution_center_auto_refund
object
required
Automatic refund settings for resolution center cases.

Properties

card_threshold_usd
number | null
required
Maximum card-funded resolution center case amount automatically refunded in USD. null when automatic refunds are disabled for cards.
financing_threshold_usd
number | null
required
Maximum financing-funded resolution center case amount automatically refunded in USD. null when automatic refunds are disabled for financing.
locked
boolean
required
Whether the account owner is prevented from changing these thresholds.
paypal_threshold_usd
number | null
required
Maximum PayPal-funded resolution center case amount automatically refunded in USD. null when automatic refunds are disabled for PayPal.
product_tax_code
object | null
required
Tax classification code applied by default to the account’s products, with id, name, and product_type. null when no default is set.
DEPRECATED: Use the GET /accounts/\{account_id}/recommend_actions endpoint instead.

Properties

action
string
required
The recommendation; new values may be added, so handle unknown actions gracefullyAvailable options: theme_business, create_product, create_plan, verify_identity, connect_affiliate_program, create_promotion, setup_tracking_pixel, migrate_from_stripe, accept_first_payment, launch_first_ad, launch_draft_campaign, increase_ad_budget, refresh_ad_creatives, fix_ad_billing, exclude_customers_from_ads, retarget_abandoned_checkouts, invite_team_member, enable_tax_collection, create_card, join_whop_university, apply_for_financing
blocked_capabilities
string[]
required
Capabilities this would unlock, or empty
cta
string
required
The URL the call-to-action links to
cta_label
string
required
Button label
description
string
required
Supporting copy, or empty
icon_url
string | null
required
Illustration icon URL, or null
impact_score
integer | null
required
Estimated impact from 0-100, or null when not ranked
reasoning
string | null
required
Why this action was recommended, or null
status
string
required
Always optional — never blockingAvailable options: optional
title
string
required
Headline for the recommendation
require_2fa
boolean
required
Whether authorized users must enable two-factor authentication.
required_actions
object[] | null
required
Actions the account owner must take to unblock capabilities like payouts and card spend, ordered by display priority. Computed only on retrieve and me for callers with company:balance:read scope; null otherwise.

Properties

action
string
required
What the holder must do; new values may be added, so handle unknown actions gracefullyAvailable options: deposit_funds, submit_information_request, verify_identity, connect_fulfillment_tracker
blocked_capabilities
string[]
required
Capabilities gated until this is resolved
cta
string | null
required
The URL the call-to-action links to, or null when there is no button
cta_label
string
required
Button label, or empty when there is no button
description
string
required
Supporting copy, or empty
icon_url
string | null
required
The URL of the action’s illustration icon, or null if it has none
status
string
required
required (act now) or pending (under review)Available options: required, pending
title
string
required
Headline for the action
route
string
required
Account public route identifier.
send_customer_emails
boolean
required
Whether Whop sends transactional emails to customers on behalf of this account.
show_joined_whops
boolean
required
Whether the account appears in joined whops on other accounts.
show_reviews_dtc
boolean
required
Whether reviews are displayed on direct-to-consumer product pages.
show_user_directory
boolean
required
Whether the account shows users in the user directory.
Account social links.

Properties

id
string
required
The ID of the social link
title
string | null
required
The optional display title for the social link
url
string
required
The social link URL
website
string
required
The social platform for this linkAvailable options: x, instagram, facebook, tiktok, youtube, linkedin, twitch, website, custom
status
string | null
required
Whether the account can operate on Whop: active or suspended. Computed only on retrieve and me; null otherwise.
store_page_config
object
required
Account store page display configuration.
target_audience
string | null
required
Target audience for this account.
tax_collection_enabled_states
string[]
required
US state codes (of the 50 states plus DC) where the account collects tax: the full set when Whop remits (tax_remitted_by whop), the configured subset when the account self-remits (self), and empty when neither. On update, send the complete list to replace it (only allowed when self).
tax_identifiers
object[]
required
Account tax/VAT registrations, each with id, tax_id_type, and tax_id_value. Empty when none are set.
tax_remitted_by
string | null
required
Who calculates and remits tax for the account: whop (Whop calculates and remits), self (Whop calculates; the account collects and remits), or none (neither; the account is responsible). null until the account enrolls in the Whop tax service.
title
string
required
Account display name.
total_earned_usd
number | null
required
Account lifetime sales, normalized to USD. Computed only on retrieve and me for callers with stats:read scope; null otherwise.
total_usd
string | null
required
Total USD value across balances with known exchange rates. Computed only on single-account reads (retrieve and me); null on list responses, writes, missing balance-read permission, or unavailable balance source.
use_logo_as_opengraph_image_fallback
boolean
required
Whether the account uses its logo as the fallback Open Graph image.
verification
object
required
Account identity verification status for the individual (KYC) and business (KYB) profiles. Each is null until created, otherwise a status of not_started, pending, approved, or rejected.
wallet
object | null
required
Account primary crypto wallet, or null if none has been provisioned.

Properties

id
string
required
Wallet ID, prefixed wallet_.
address
string
required
The on-chain address of the wallet
network
string
required
The blockchain network the wallet lives onAvailable options: solana, ethereum, bitcoin
Account