Whop acts as the Merchant of Record (MoR) to streamline the process of accepting payments.

By default when you sign up for Whop, you will use Whop Payments. With Whop Payments, Whop will serve as the MoR (Merchant of Record). This means, Whop is liable taxes. This significantly reduces the burden on you so that you can focus on building your whop. As MoR, Whop is located in the US. So, if your customer is located in the US, they will pay domestic card processing fees, and if they are located outside of the US, they will pay international card processing fees.

When you sign up for Whop Payments, payment processing fees + a 3% Whop fee will be included. This 3% take rate is our fee for using our platform. The payment processor fees are charged by processors to accept payments.

Let's break down our payment processing fees:

  1. Standard card processing fees:
    1. Domestic: 2.9% + $0.30 per transaction.
    2. International: 3.9% + $0.30 per transaction (when the customer is outside the U.S.).
  2. Invoice fees:
    1. 0.5% for managing payment cycles and handling invoicing, charged on all payments including one-time payments.
  3. Tax fees:
    1. 0.5% per transaction for calculating, collecting, and remitting tax. We collect tax as a "fee" to remit it to the government.
  4. Fraud prevention fees:
    1. $0.07 per transaction for fraud detection using a machine learning algorithm.
  5. Withdrawal fees:
    1. 0.25% per withdrawal. An additional 1% for cross-border payouts if you are outside the U.S.
  6. Early dispute alert fees (only applicable if customer disputes):
    1. $29 per alert to prevent disputes. Payments under $100 are automatically refunded. Mastercard limits can be raised; Visa limits cannot.
  7. Dispute fees (only applicable if customer disputes and not auto refunded):
    1. $15 per dispute, passed on to you if a dispute occurs.



Whop Payments

3% + payment processing fees

Coinbase Commerce

3% + (paid directly directly to Coinbase)


3% + (paid directly directly to PayPal)

Whop Marketplace Sales

30% + payment processing fees

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