Give your customers the flexibility to split their purchases into monthly installments while you get paid upfront. Financing options are automatically added to your checkout pages once you have been approved.
Available financing options
Whop partners with ten financing providers. Depending on your business, you may qualify for some or all of these options:
How to apply for financing
Apply for financing on your Whop dashboard, either on your Payouts page (on the Financing and other payment methods tab) or directly when you create a checkout link on the Checkout links page of your dashboard.
- Click + Create checkout link
- Select One-time as your pricing type
- Under Payment methods, click Apply for financing
- Complete the application form
You will receive an email, Whop DM, and notification on your Payouts page if we cannot accept or are missing information from your application.
Once you have been granted financing access, you will be notified via email, Whop DM, and on your Payouts page that you have been approved.
Once accepted, all active financing options will automatically show up at customer checkout. You can toggle which financing options you do or do not want as an option on each checkout link from the Checkout links page.
Eligibility requirements
To qualify for financing options, your business must meet these requirements:
1. Basic setup requirements
- Your Whop Payments account must be fully set up and verified
- Go to Payouts in your dashboard to complete setup
- Your store page must be filled out
- We need to understand what you’re selling and how you fulfill orders
2. Business requirements
- Eligible categories: Financing companies cannot support gambling, sports betting, trading signals (pure education may be ok!), credit offers, or adult content under any circumstances
- Low dispute rate: Have < 2% dispute rate over the last 90 days
- If you are new to Whop, we will ask for statements from the last 90 days from your previous payment processor. Note that we need processing statements, NOT bank statements, and we need to see your total number of transactions and total number of disputes over the last 90 days.
- 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, you will be shown a message that you are ineligible to apply for financing.
How it works for customers
When financing is enabled:
- Financing options appear automatically on your checkout page
- Customers choose their preferred provider (e.g. Klarna, AfterPay)
- Customers are redirected to the financing provider for instant approval
- 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 full payment upfront (minus standard fees)
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.
- 15% of every Splitit transaction is held in your Whop balance for 180 days
- This shows Splitit that you can cover any potential disputes
- Track your Splitit balance and release dates on your Payouts page
Dispute rate limits
Stay under these thresholds to keep your financing access:
- Klarna: Under 1% dispute rate
- All other providers: Under 2% dispute rate
Financing access will be automatically revoked if you hit these dispute rate thresholds on financed transactions, and you will be notified via email that you have lost access to financing.
Troubleshooting
If financing isn’t showing on your checkout links after approval, check these common issues:
1. Check to make sure your product price does not exceed the maximum amount supported by the BNPL
Each financing provider has different maximums, often depending on customer geographies or risk profiles. Check out the Financing options article for a full overview of maximums for each BNPL.
2. Check pricing structure
Financing only works with one-time payments, not subscriptions.
3. Location restrictions
Each financing provider only supports certain geographies, determined by the location of the customer. If you send a checkout link to a customer in an unsupported geography, the BNPL option will not appear at checkout.
4. Currency requirements
Make sure your checkout link is in a supported currency. For example, if you want ClearPay to appear for a UK-based customer at checkout, the checkout link must be created in GBP.
5. Accepted product categories
Our financing providers (Splitit, Klarna, Sezzle, AfterPay, and Zip Pay) do not support certain categories of products or services. If your business falls under one of these categories, you will not be eligible for 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: Banks, credit unions, mortgage lenders, non-bank finance companies, factoring and purchase order financing, money services businesses, payroll companies, securities or commodities dealers/brokers, investment opportunities or advice, collection agencies, debt buyers, credit repair, debt relief, identity theft protection, and bail bonds.
- 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, prize-with-purchase schemes), negative response marketing, search engine optimization (SEO) services, call centers, and answering services.
- Subscription & Service-Based Restrictions: Discount travel clubs or subscriptions, magazine subscriptions, video rental services, timeshares or fractional ownership, real estate brokers, agencies, consultants or lessors, property managers, and contracted management services.
- Miscellaneous High-Risk Businesses: Government organizations, non-profits, charitable or religious organizations, social networking sites, sports forecasting, flea markets, fortune telling, astrology, horoscopes, mining, farming, energy generation or distribution, logistics and freight forwarding, liquidation companies, manufactured or mobile home dealers, massage services, future service liability greater than 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.
6. Dispute rate too high
Make sure you have not exceeded a 2% dispute rate across transactions for the BNPL option (this is 1% for Klarna). If your dispute rate exceeds the acceptable rate for payments made with that particular BNPL, that BNPL option will be automatically removed from checkout. You will be notified via email and Whop DM of this removal. 
