Fees, reserves, high-risk acceptance, Shopify support and payouts, side by side. Every figure comes from each company's own pages, checked 2026-10-21.
Payment processor
Whop
Card rate
2.7% + 30¢
No monthly fee listed
Cross-border PSP
Airwallex
Card rate
2.80% + 30¢ (domestic cards)
Monthly: Explore plan $0; Grow plan $12 per user/month plus a platform fee; Accelerate plan custom
| Whop | Airwallex | |
|---|---|---|
| Type | Payment processor | Cross-border PSP |
| Pricing model | flat rate | flat rate |
| Card rate | 2.7% + 30¢ | 2.80% + 30¢ (domestic cards) |
| International | +1.5% international cards, +1% currency conversion | 4.30% + 30¢ for international cards; FX at 0.5% above interbank for major currencies and 1% for others |
| Monthly fee | Not published | Explore plan $0; Grow plan $12 per user/month plus a platform fee; Accelerate plan custom |
| Setup fee | Not published | Not published |
| Chargeback fee | $15 | Not published |
| Whop | Airwallex | |
|---|---|---|
| High-risk businesses | Case by case | Not published |
| Dropshipping | Not published | Not published |
| Reserves | May hold a reserve when an account is new, when disputes trend toward card-network thresholds, or when delivery comes long after payment (example: 10% for 90 days). | Card payments can be subject to a reserve plan, such as a 7-day rolling reserve, and funds become available after the payment method's settlement period or the reserve period, whichever is longer. |
| Whop | Airwallex | |
|---|---|---|
| Payout speed | Next-day ACH ($2.50) or instant (4% + $2.50) | Not published |
| Merchant countries | Payouts to 200+ countries | Visa and Mastercard acceptance for businesses registered in AU, CA (beta), CH, EEA, HK, IL (beta), JP (beta), MX (beta), MY, SG, NZ, UK and US |
| Currencies | Not published | Not published |
| Whop | Airwallex | |
|---|---|---|
| Shopify | Replaces checkout | Third-party gateway |
| WooCommerce | Not published | Yes |
| Subscriptions | Yes | Yes |
| One-click upsells | Yes | Not published |
| Apple Pay | Yes | Yes |
| Multiple MIDs | Not published | Not published |
| Token portability | Not published | Not published |
Pick Whop if
Funnel and subscription brands that want storefront, checkout and payments from one company at a flat published rate.
Pick Airwallex if
Cross-border sellers that collect in several currencies and want to hold, convert and pay suppliers from the same account.
Whop sources · checked 2026-10-21
Airwallex sources · checked 2026-10-21