Whop fees, the whole stack.
Whop is the biggest marketplace in the creator-commerce space, and its headline rate looks cheap. The real cost depends on which of its documented fee layers your sales trigger. All numbers below come from Whop's own fee documentation.
Last checked July 2026. Every number links to its source.
Every documented fee in one table
| Fee | Amount | When it applies |
|---|---|---|
| Domestic card processing | 2.7% + $0.30 | Every US card sale |
| International cards | +1.5% | Buyer's card is non-US |
| Currency conversion | +1% | Charge needs FX |
| Tax collection and remittance | +2% | When tax is collected |
| Billing automation | +0.5% | If enabled |
| Next-day ACH payout | $2.50 per withdrawal | Standard payout |
| Instant payout (RTP) | 4% + $1.00 | If you want money now |
| Dispute | $15.00 | Per dispute, any outcome |
| Klarna and Afterpay financing | 15% | Per financed sale |
Independent 2026 reviews also report a platform commission of about 3% on digital product sales with automations, and up to 30% on sales that come through Whop's Discover marketplace. The pattern to understand: a US seller with US buyers who waits for standard payouts pays close to the headline rate, while an international seller using the convenience layers commonly lands around 6 to 7% effective.
When Whop earns its fees
- You sell communities: Discord or Telegram access, memberships, trading groups. Whop's tooling and marketplace genuinely lead here.
- You want a marketplace that can bring you buyers and accept the 30% that costs.
When the stack works against you
- You sell plain digital products to a global audience: the international, FX, tax, and payout layers all fire on the same sale.
- You want predictable math. Nine fee lines make "what do I keep?" a spreadsheet question.
For the full field, including who actually takes on your tax liability, see the honest alternatives table.