> ## Documentation Index > Fetch the complete documentation index at: https://docs.whop.com/llms.txt > Use this file to discover all available pages before exploring further. # Local payment methods > Pay with regional, non-card payment options like ACH, iDEAL, SEPA, crypto, and more, with no additional setup required.
Beyond card payments, Whop supports a wide range of local payment methods (LPMs), so customers can pay using the options most common in their region. You don't need to do anything to enable these — eligible options appear automatically at checkout.
All eligible payment methods appear automatically at checkout. Customers are shown the most popular payment methods in their region. Choose which LPMs to show or hide when you set up each checkout link.
## Which local payment methods display at checkout? Local payment methods will automatically appear at checkout if: * Customer is in **eligible geography** (based on IP address) * The checkout link is in an **eligible currency** * The checkout link does not exceed the **maximum price** supported by the LPM * The **pricing type** (i.e. one-time payment vs subscription) is supported by the LPM * The merchant has not **disabled the payment method** when configuring the link

Local payment methods depend on the customer's geography, not the merchant's. For example, a customer in the Netherlands will see iDEAL – even if the merchant is based in the US. A customer in the US may see ACH or Cash App.

If an LPM is not appearing on a customer's checkout, make sure the link was created in an eligible currency and the customer is in an eligible geography and is not using a VPN. ## Local payment method overview | Method | Countries | Currency | Min–max | | -------------------------- | --------- | ------------- | ----------------------- | | **US Bank Transfer (ACH)** | US | USD | $0.50–$1M | | **EU bank transfers** | EU | EUR | €1–€1M | | **Crypto** | Global | USD | $0–$1M | | **Cash App** | US | USD | $0.50–$1M | | **iDEAL** | EU | EUR | €0–€1M | | **Bancontact** | EU | EUR | €0.50–€1M | | **SEPA Debit** | EU | EUR | €0.50–€11.5k | | **Vipps** | NO | NOK | kr 0.50–kr 50k | | **MobilePay** | DK, FI | DKK, EUR | kr 0.50–40k / €0.50–€5k | | **Swish** | SE | SEK | kr 0.50–kr 50k | | **PayPal** | Global | USD + 18 more | $0–$1M | ## What local payment methods does Whop offer? Learn more about Whop's local payment method options below: ## Bank transfers #### 1. US Bank Transfer (ACH) ACH (Automated Clearing House) is the main US bank-to-bank transfer network. Customers pay directly from their bank account with low fees and high reliability, and it's one of the most trusted options for larger US transactions. * **Country:** US * **Currency:** USD * **Min–max amount:** {"$0.50-$1M"} * **Fees:** 0.8% (capped at \$5) * **Payment support:** One-time and recurring subscriptions * **Settlement:** 4 business days from payment creation (Stripe). Eligible US merchants can get 2 business days. Then normal payout to your bank. * **Refunds:** Yes. Full and partial refunds supported. Processed from your balance; timing to customer's account depends on their bank (often 5–10 business days). * **Disputes:** Yes, but final. Only 3 NACHA reasons: (1) never authorized or authorization revoked, (2) processed earlier than authorized, (3) amount different from authorized. No appeal. A successful dispute invalidates the mandate; a second dispute on the same account can lead to the account being blocked. #### 2. EU bank transfers Whop accepts one-time payments via EU bank transfers. * **Country:** EU * **Currency:** EUR * **Min–max amount:** €1 – €1M * **Fees:** 1% (capped at €5) * **Payment support:** One-time payments only * **Settlement:** Typically 1 business day for the transfer to be received, then standard payout for your country (e.g. 3 business days in many EU countries). * **Refunds:** Yes. Customer bank details are required; refunds can be requested within a limited window (e.g. up to 180 days). Usually 5–10 business days to reach the customer. * **Disputes:** No card-style dispute flow. Customers would need to raise issues with their own bank; there is no standard chargeback or dispute process like with cards or ACH. #### 3. iDEAL iDEAL is the most widely used online banking payment method in the Netherlands and in parts of the EU. * **Country:** EU * **Currency:** EUR * **Min–max amount:** €0 – €1M * **Fees:** 2.5% + €0.8 * **Payment support:** One-time and recurring subscriptions * **Settlement:** Instant bank-to-bank transfer; then standard country payout (e.g. Netherlands 3 business days after settlement). * **Refunds:** Yes. Full and partial. Often 5–10 business days to customer. * **Disputes:** Yes. Customers can dispute through their bank. PSP supports disputing iDEAL; outcome is decided by the customer's bank. #### 4. Bancontact Bancontact is Belgium's leading payment method, linked to customers' bank cards and mobile banking apps. * **Country:** EU * **Currency:** EUR * **Min–max amount:** €0.50 – €1M * **Fees:** 3.9% + €0.30 * **Payment support:** One-time and recurring subscriptions * **Settlement:** Instant; then standard country payout (e.g. Belgium 3 business days). * **Refunds:** Yes. Full and partial refunds; typically 5–10 business days to reach the customer. * **Disputes:** Yes. Card-linked; disputes and chargebacks work similarly to card payments (customer disputes with bank, you can submit evidence, bank or network decides). #### 5. SEPA Debit SEPA Direct Debit lets EU customers pay from their bank account over European banking rails. * **Country:** EU * **Currency:** EUR * **Min–max amount:** €0.50 – €11.5k * **Fees:** 1% + €0.30 * **Payment support:** One-time and recurring subscriptions * **Settlement:** 6 business days (Stripe: T+6 from payment creation). Longer than cards because of SEPA scheme and return risk. * **Refunds:** Yes. Often 3–4 business days to customer for SEPA; standard full/partial refunds. * **Disputes:** Yes. Strong consumer protection: within 8 weeks the customer can get a refund "no questions asked." After 8 weeks up to 13 months only if the transaction was unauthorized. Reversals by you are possible within 5 business days of the debit. #### 6. Swish Swish is Sweden's main bank-linked mobile payment method. Customers pay in real time using their mobile number. * **Country:** Sweden (SE) * **Currency:** SEK * **Min–max amount:** kr 0.50 – kr 50k * **Fees:** 0.60% + 3 SEK * **Payment support:** One-time payments only * **Settlement:** Standard payout for Sweden (e.g. 3 business days). * **Refunds:** Yes. Full and partial refunds supported. * **Disputes:** Yes. Disputes and complaints follow the bank or PSP process. #### 7. MobilePay MobilePay is a leading mobile wallet in Denmark and Finland. Payments go through app-based banking links. * **Countries:** Denmark (DK), Finland (FI) * **Currencies:** DKK, EUR * **Min–max amount:** DK: kr 0.50 – 40k | FI: €0.50 – €5k * **Fees:** 0.60% + €0.20 * **Payment support:** One-time payments only * **Settlement:** Standard payout for Denmark and Finland (e.g. 3 business days). * **Refunds:** Yes. Full and partial refunds supported. * **Disputes:** Yes. Consumers can raise complaints about unauthorized or problematic payments; consumer protection and complaint handling apply. #### 8. Vipps Vipps is Norway's most popular mobile payment app. Customers pay from their bank account or mobile number. * **Country:** Norway (NO) * **Currency:** NOK * **Min–max amount:** kr 0.50 – kr 50k * **Fees:** 0.50% + €0.20 * **Payment support:** One-time payments only * **Settlement:** Standard payout for Norway (e.g. 3 business days). * **Refunds:** Yes. Full and partial; typically 2–3 business days to customer (up to \~10 depending on bank). Refunds can often be issued for a long window (e.g. 365 days). * **Disputes:** Yes. Complaints and payment-regret mechanisms; consumer protection and complaint handling. ## Crypto and wallets #### 1. Crypto Customers can pay with digital assets, which are converted to USD at checkout. Crypto supports global customers and offers fast settlement without traditional banking friction. * **Country:** Global * **Currency:** USD * **Min–max amount:** {"$0-$1M"} * **Fees:** 1.5% * **Payment support:** One-time payments only * **Settlement:** Fast (minutes for on-chain confirmation); funds then settle to your balance in USD. * **Refunds:** Yes. You can refund from your balance (e.g. send back to the customer). * **Disputes:** No. On-chain transactions are irreversible; there is no chargeback or dispute mechanism. #### 2. Cash App Cash App Pay is a US mobile wallet that lets customers pay instantly from their Cash App balance or a linked card. * **Country:** US * **Currency:** USD * **Min–max amount:** {"$0.50 – $1M"} * **Fees:** {"2.9% + $0.30"} * **Payment support:** One-time and recurring subscriptions * **Settlement:** Daily batch (ACH) to the PSP, with a configurable cutoff (e.g. 11:00 PM UTC). Net of refunds and disputes. Then normal payout to you. * **Refunds:** Yes. Full and partial; refunds can be issued for a long time (e.g. up to 7 years per Cash App). Goes back to Cash App balance or to linked card/bank. * **Disputes:** Yes. Customers can dispute (fraud, duplicate charge, refund not received, etc.). Disputes are reflected as adjustments in settlement/reconciliation. #### 3. PayPal PayPal is a globally recognized digital wallet that lets customers pay using their PayPal balance, linked bank account, or card. PayPal supports 19 different currencies. * **Country:** Global * **Currency:** USD, EUR, GBP, SEK, NOK, CZK, + 13 more * **Min–max amount:** {"$0-$1M"} * **Fees:** {"3.49% + $0.49"} * **Payment support:** One-time and recurring subscriptions ## Related resources See full fee details for cards and local payment methods.