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Give your customers the flexibility to split their purchases into monthly installments while you get paid upfront. After approval, Whop automatically adds financing options to your checkout pages.

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Available financing options

Whop partners with ten financing providers. Depending on your business, you may qualify for one or more of these options: Financing breakdown: overview of ten financing methods with supported countries, maximum amounts, term lengths, and credit score requirements

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How to apply for financing

Apply for financing on your Whop dashboard. Use the Financing and other payment methods tab on the Payouts page. You can also apply while creating a checkout link on the Checkout links page.
  1. Select + Create checkout link
  2. Select One-time as your pricing type
  3. Under Payment methods, select Apply for financing
  4. Complete the application form
Whop will send an email, direct message, and Payouts page notification if it can’t accept your application or needs more information. After Whop approves your financing access, it will notify you by email, direct message, and on your Payouts page. Once accepted, all active financing options will automatically appear at customer checkout. On the Checkout links page, you can choose the financing options for each link.

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Eligibility requirements

To qualify for financing options, your business must meet these requirements:

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1. Basic setup requirements

  • Your Whop Payments account must be fully set up and verified
    • Go to Balance in your dashboard to complete setup
  • Complete your store page
    • Whop needs to understand what you’re selling and how you fulfill orders

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2. Business requirements

  • Eligible categories: Financing companies can’t support gambling, sports betting, trading signals (pure education may be acceptable), credit offers, or adult content
  • Low dispute rate: Keep your dispute rate below 2% over 90 days
    • New Whop businesses must submit 90 days of statements from their previous payment processor. Submit processing statements, not bank statements. They must show total transactions and disputes.
  • Processing volume: At least $30,000 processed from 10+ different customers in the last 90 days
Note - if your business is in an ineligible category or has an excessive dispute rate, Whop shows a message that you are ineligible to apply for financing.

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How it works for customers

When you enable financing:
  1. Financing options appear automatically on your checkout page
  2. Customers choose their preferred provider (e.g. Klarna, Afterpay)
  3. Whop sends customers to the financing provider for instant approval
  4. They complete their purchase through the financing platform
You can control which financing options appear on each of your checkout links through your pricing settings.
You still receive the full payment amount (minus standard fees) while the provider handles customer repayment. Sezzle is the exception: funds from Sezzle orders settle on a 15-day basis before they’re available in your balance.

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Keep your financing access

Whop’s priority is to make sure you keep your financing access for the long term. Whop has the following features to help you keep your dispute rates low and keep financing active on your account: Dispute rate monitoring
  • View dispute rates for each financing partner on your Health report (in the Payouts section)
  • Alerts sent via email and Whop DM when dispute rates hit warning levels:
    • Klarna: warning at 0.5% dispute rate on Klarna transactions
    • All others: warning 1% dispute rate on any other BNPL option
When you receive an alert, take extra precautions to prevent further disputes. Set clear return policies, refund angry customers, and make sure your customers know where to go to resolve issues so they don’t dispute directly with the bank.
Splitit minimum balance (Splitit only)
  • Whop holds 15% of every Splitit transaction in your balance for 180 days
  • This shows Splitit that you can cover any potential disputes
  • Track your Splitit balance and release dates on your Balance page

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Dispute rate limits

Stay under these thresholds to keep your financing access:
  • Klarna: Under 1% dispute rate
  • All other providers: Under 2% dispute rate
Whop automatically revokes financing access if your financed transactions hit these dispute rate thresholds. Whop will email you about the lost access.

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Troubleshooting

If financing isn’t showing on your checkout links after approval, check these common issues:

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1. Check the maximum product price for the BNPL option

Each financing provider has different maximums, which can depend on customer geographies and risk profiles. Read the Financing options article for a full overview of each BNPL maximum.

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2. Check pricing structure

Financing only works with one-time payments, not subscriptions.

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3. Location restrictions

Each financing provider supports certain geographies based on the customer’s location. If you send a checkout link to a customer in an unsupported geography, the BNPL option won’t appear at checkout.

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4. Currency requirements

Make sure your checkout link uses a supported currency. For example, a link must use British pounds to show ClearPay to a UK-based customer.

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5. Accepted product categories

Whop’s financing providers (Splitit, Klarna, Sezzle, Afterpay, and Zip Pay) don’t support certain product or service categories. A business in one of these categories can’t use financing on Whop.
  • Adult, Gambling & Dating: Adult entertainment or pornography, escort services, gambling, gaming, raffles, lotteries, dating, or matchmaking services.
  • Financial Services & High-Risk Lending: This category includes banks, credit unions, mortgage lenders, non-bank finance companies, factoring, and purchase order financing. It also includes money services businesses, payroll companies, securities or commodities dealers or brokers, and investment opportunities or advice. Collection agencies, debt buyers, credit repair, debt relief, identity theft protection, and bail bonds also belong to this category.
  • Regulated & Prohibited Products: Firearms, guns, ammunition sales or manufacturing, drug paraphernalia, dispensaries, medical marijuana, nutraceuticals, unverified health or weight loss products, precious metals, and counterfeit goods.
  • Marketing & Telemarketing: Telemarketing companies (fax blasting, email spamming, and prize-with-purchase schemes), negative response marketing, search engine optimization services, call centers, and answering services.
  • Subscription & Service-Based Restrictions: Discount travel clubs or subscriptions, magazine subscriptions, video rental services, timeshares, and fractional ownership. This category also includes real estate brokers, agencies, consultants, lessors, property managers, and contracted management services.
  • Miscellaneous High-Risk Businesses: Government, nonprofit, charitable, or religious organizations. This category includes social networking sites, sports forecasting, flea markets, fortune telling, astrology, horoscopes, mining, farming, energy generation or distribution, and logistics and freight forwarding. It also includes liquidation companies, manufactured or mobile home dealers, massage services, future service liability beyond one year, and products or services with unreasonable guarantees or claims.
If you’re unsure whether your product or service is eligible for financing, please contact Whop support before applying for financing.

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6. Dispute rate too high

Make sure you haven’t exceeded a 2% dispute rate across transactions for the BNPL option (1% for Klarna). If you exceed the acceptable rate, Whop automatically removes that option from checkout. Whop will notify you by email and direct message.