Let customers split purchases into monthly installments while you get paid upfront: the financing providers, eligibility requirements, and how to apply.
Give your customers the flexibility to split their purchases into monthly installments while you get paid upfront.After Whop approves your business, it automatically adds financing options to your checkout page.
Whop will email you if it can’t accept your application or needs more information. After acceptance, Whop will send a direct message confirming your financing access.Once accepted, all active financing options automatically appear at customer checkout. On the Checkout links page, you can choose the financing options for each link.
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 the last 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
You’ll receive a Whop DM after Whop approves your business and enables
financing. If you haven’t heard back about your application, check your email
for requests for additional documentation or application updates.
Financing options appear automatically on your checkout page
Customers choose their preferred provider (e.g. Klarna, Afterpay)
Whop sends customers 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 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.
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
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.
If financing isn’t showing on your checkout links after approval, check these common issues:Transaction too large
Sezzle: $2,500 limit
Afterpay: $4,000 limit
Splitit: $20,000 limit
Klarna: $10,000 limit
Zip: $1,500 limit
Wrong pricing type
Financing only works with one-time payments, not subscriptions
Location restrictions
Sezzle, Klarna, and Afterpay only show for customers in the United States
Restricted business type
Financing providers (Splitit, Klarna, Sezzle, Afterpay, and Zip Pay) don’t
support certain categories of products or services. If your business falls
under one of these categories, you won’t 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: 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.
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 financingDispute rate too high
Check your Health report - you may have exceeded the 2% dispute threshold (1% for Klarna)
Incomplete setup
Check that your Whop Payments account is fully configured
Verify your store page is complete with clear product descriptions
Assistant
Responses are generated using AI and may contain mistakes.
