If you sell a subscription product on Whop, your first buyers from abroad change the maths quietly. The 2.7% + 30¢ you planned around was the domestic card rate. An international card adds 1.5% on top, and a payment that needs converting adds more.
The bigger question is the tax inside each price. Whop offers tax remittance as a 2% service you switch on, and it remits only in the US, EU and UK. Under the collect-only option, or anywhere else, you file and pay it yourself. Disputes work the same way, with investigation costs and network penalties left with you as the seller.
Choose on the headline rate and you can end up running tax filings you never budgeted for. Here you will see what a month really leaves you, and who is the seller when a buyer abroad pays.
We built Creem to be the legal seller that remits that tax and carries the chargebacks, so try Creem and stop filing tax in every buyer's country yourself.
Whop's fees, layer by layer
The card rate is only the starting point for Whop's fees. You also pay for add-ons you switch on and each withdrawal you make.
Card processing (2.7% + 30¢ domestic)
Whop lists 2.7% + $0.30 for domestic credit and debit cards on its current fee schedule for new merchants.
The 3% platform charge: when does it apply?
Whop's general pricing does not list a separate 3% charge, but the payment terms of the app you sell through can add one. Check those terms and the payment breakdown of a real sale to see whether it applies.
Check that breakdown before you work out a month's costs. If the charge applies, three points on every payment would change the total more than any single optional service.
Optional services you switch on
You pay for these services only when you enable them or the billable event happens:
- Billing: 0.5% per transaction for invoices, payment retries and subscription lifecycle. Selling subscriptions does not trigger it on its own.
- Payment orchestration: 0.8% per transaction for payment routing, separate from basic card processing.
- Tax and remittance: 2% per transaction when enabled and tax is collected. Whop remits the tax itself only in the US, EU and UK. Elsewhere, and under its collect-only option, you remit it.
- 3D Secure: $0.03 per billable card authentication.
- Radar: $0.07 per transaction screened for fraud.
- RDR: $29 per early dispute alert, separate from the ordinary chargeback fee.
With billing and tax switched on, a sale where tax is collected adds 2.5% to the 2.7% base, nearly doubling Whop's percentage fee. Orchestration adds another 0.8% only if you route payments through it.
What do you keep from one sale?
Here is what you keep from a $100 domestic card sale at Whop's published rate, excluding tax, currency conversion and add-ons. Existing and custom-priced accounts follow their own terms.
$100.00 − $2.70 − $0.30 = $97.00 after base processing
For your own domestic card price under the same assumptions, multiply the sale amount by 0.027, add $0.30, then subtract that fee from the sale.
Next, subtract any billing and tax and remittance charges you have switched on, plus any app platform charge you confirmed in an actual sale's breakdown, to get your balance before payout costs.
Whop charges its payout fee once per successful withdrawal, not per sale. Grouping more sales into each withdrawal spreads the fee across more payments, so subtract it from the combined balance to see what you keep.
What makes Whop charges go up?
Services you switch on have their own charges, billed only on the transaction or event they cover, and four other triggers can push a sale above the domestic card rate. Each applies only when its condition is met, so two sales at the same price can cost different amounts.
- International card: 1.5% on top of processing.
- Currency conversion: 1% when the payment has to be converted. An international card paying in your plan's currency may not need it.
- Preferred-settlement conversion: 0.5% when your plan currency differs from the settlement currency you chose, and not charged when the buyer already paid a conversion fee at checkout.
- Disputes: $15 per dispute or chargeback.
An international card that also needs conversion adds 2.5 percentage points, nearly as much as the 2.7% base rate itself. On the $100 sale worked out earlier, that adds $2.50 in fees and leaves $94.50 before any add-ons.
The dispute fee is not the full cost. Whop's seller terms make you liable for dispute investigation costs and card-network penalties on top of the $15, so chargeback risk stays with you as the seller.
Track your dispute rate each month to see where those costs build, because each dispute you prevent saves the $15 plus any penalties.
Price your plans in the currency your buyers actually pay with so fewer payments need conversion. Then match your preferred settlement currency to your plan currency, and the 0.5% settlement fee has nothing to apply to.
Payout fees and when cash reaches you
Whop's published new-merchant payout schedule charges $2.50 for each next-day ACH withdrawal to a US bank account. These rates can vary by account, country and sales volume.
The money arrives the next business day after withdrawal, once compliance and risk reviews have cleared it for withdrawal.
Under its risk conditions, Whop can hold up to 100% of your balance in reserve for up to 180 days, which ties up cash rather than adding a fee. Plan spending around your available balance, not your sales total.
| Withdrawal method | Fee | Delivery |
|---|---|---|
| Next-day ACH to a US bank | $2.50 | Next business day after withdrawal |
| Instant bank deposit | 4% + $2.50 | Instant, to a bank account that accepts real-time payments |
| US bank wire | $23 | Typically 1 to 2 business days after withdrawal |
| International local bank | Varies by country | Varies by country |
| Crypto | 5% + $1 | — |
| Venmo, US recipients only | 5% + $2.50 | — |
For an illustrative $1,000 withdrawal, instant deposit costs $42.50 compared with $2.50 by ACH. That faster delivery takes another $40 from the same balance.
Four weekly ACH withdrawals in a month add $10 to your costs. I would batch sales into fewer ACH withdrawals and save instant deposits for cash gaps where faster access is worth the extra cost.
A month on Whop: worked cost for an international SaaS
For this illustrative month, 100 successful international-card subscription payments of $50 add up to $5,000, with tax included in each price. Payments and the bank payout are in USD, with no conversion, refunds or disputes.
An international SaaS needs billing and tax remittance switched on, so this calculation includes both and leaves orchestration optional.
| Fee layer | Calculation | Monthly cost |
|---|---|---|
| Base processing | $5,000 × 2.7% + 100 × $0.30 | $165.00 |
| International cards | $5,000 × 1.5% | $75.00 |
| Billing | $5,000 × 0.5% | $25.00 |
| Tax and remittance service | $5,000 × 2% | $100.00 |
| One next-day ACH withdrawal, after funds become eligible | 1 × $2.50 | $2.50 |
| Total before 3D Secure, Radar and any app platform charge | Included charges added together | $367.50 |
Fees take 7.35% of payment volume, leaving $4,632.50, but that balance still includes buyers' tax, which must be remitted separately from the $100 service fee and further reduces what you keep.
Check the breakdown of a real sale for those charges, then add them and any dispute fees to your monthly calculation.
On the same $5,000 and 100 payments, Creem's 3.9% + 40¢ comes to $195 + $40 = $235. Tax remittance, invoices and chargebacks sit inside that rate.
Creem's bank payout fee is separate from the $235 and costs 7 USD/EUR or 1% of the payout, whichever is higher, plus partner FX when your bank currency differs.
Creem pays out on the 1st and 15th once your balance passes 50 USD or 50 EUR. Each sale is held for 7 days before it counts toward that balance.
To run the calculation for your own month, total your successful payments, the services actually billed and your withdrawal count.
Whop fees compared with Stripe, Paddle, Lemon Squeezy and Creem
Whop and Stripe charge less per domestic card sale than Creem. The difference is what you still have to handle.
Stripe keeps you as the seller, so tax filings and chargebacks are yours, while Whop's seller terms leave dispute investigation costs and network penalties with you and make tax remittance a paid add-on. Paddle, Lemon Squeezy and Creem are merchants of record.
| Platform | Headline rate | Tax collection and remittance | Chargebacks |
|---|---|---|---|
| Whop | 2.7% + $0.30, domestic cards | Optional 2% service, charged when enabled and tax is collected | Dispute costs and network penalties fall on you |
| Stripe | 2.9% + $0.30, domestic cards | Seller files, with separate tax services | Seller |
| Paddle | — | Merchant of record | Merchant of record |
| Lemon Squeezy | — | Merchant of record | Merchant of record |
| Creem | 3.9% + $0.40 per successful sale | Included in the rate | Creem, as legal seller |
On a $100 domestic sale, base processing leaves $97.00 on Whop, $96.80 on Stripe and $95.70 on Creem.
For 100 international $50 subscription payments on premium cards, Creem's pricing calculator estimates monthly transaction fees before payout transfers at $235 for Creem with tax remittance included, $300 for Paddle and $400 for Lemon Squeezy.
If you sell to buyers abroad, I would include Whop's 2% tax service when comparing its rate with a merchant-of-record rate that already covers tax, and still count the dispute costs Whop leaves with you.
For a wider view of the market, see our platforms competing with Whop.
Which Whop fee setup fits what you sell?
Communities and automated access
I would stay on Whop for paid community access. The cost to compare is the full membership setup, including any access-app charges, not just checkout.
Check how the setup grants access after payment and removes it when a customer cancels or a renewal fails.
Domestic one-time sales
Whop's lower domestic rate matters most for a US one-time card sale, because that sale needs no billing service and carries no international-card charge.
Add the optional services you use and your withdrawal costs before working out what you keep.
International SaaS and AI products
For subscriptions sold worldwide, I would include both billing and tax remittance in the cost. Whop offers them as separate services you switch on, so its base processing rate alone does not cover the setup you need.
If your AI product charges per call, per generation or against a prepaid credit balance, you need billing that tracks consumption. Recurring payment support alone does not tell you whether the setup can handle that model.
Check whose name is on the invoice as the seller and who pays when a buyer disputes the charge.
Selling software worldwide? Weigh Whop against Creem's all-in rate
If you sell subscriptions, usage or credits to buyers abroad, compare what Whop charges with international cards, billing and its tax service switched on, while accounting for the dispute investigation costs and network penalties that stay with you under Whop's seller terms.
Creem bundles those jobs into 3.9% + 40¢ per successful transaction, including processing, with no international-card surcharge, so you pay the same for a buyer abroad as one at home. Payout transfers cost extra, as do splits or affiliates if you use them.
As the legal seller, we remit VAT, GST and sales tax on covered sales and take on the chargebacks.
Creem invoice with VAT, a fraud check and chargeback handling
If your buyers are spread across countries, try Creem and let us handle sales tax in the countries we cover, with payment due only when a sale succeeds.
FAQs
Does Whop charge a monthly fee?
Whop has no monthly or setup fee. You pay on each successful sale, for any optional services you turn on, and each time you withdraw.
Does Whop take a cut of affiliate sales?
Affiliate-generated sales carry the standard sale fees, and Whop's fee page lists no separate affiliate fee. To work out what you keep, subtract those fees and your affiliate's commission, which defaults to 30% for Whop's global affiliates.
What happens if I leave Whop?
You withdraw your remaining balance and pay $2.50 for next-day ACH or $23 for a wire.
If you're moving to Creem, we move your existing subscribers over through a custom migration. You don't have to build an import, and one message to us starts the switch.