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
Wallet
Amazon Pay
Card rate
2.9% + 30¢ (web and mobile, domestic)
No monthly fee listed
| Whop | Amazon Pay | |
|---|---|---|
| Type | Payment processor | Wallet |
| Pricing model | flat rate | flat rate |
| Card rate | 2.7% + 30¢ | 2.9% + 30¢ (web and mobile, domestic) |
| International | +1.5% international cards, +1% currency conversion | 3.9% + 30¢ when the payment method was issued outside the US (cross-border processing fee replaces the domestic fee) |
| Monthly fee | Not published | Not published |
| Setup fee | Not published | Not published |
| Chargeback fee | $15 | $20 plus tax when you dispute a chargeback not covered by the Payment Protection Policy |
| Whop | Amazon Pay | |
|---|---|---|
| High-risk businesses | Case by case | Case by case |
| 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). | New merchants start in Reserve Tier I: 100% of processed funds held for 7 days (or unresolved disputes, if greater). After 3 months and 100 completed orders, Tier II holds 3% of daily processed payments averaged over 28 days. Tier II-Plus holds only unresolved disputes for accounts with an order defect rate under 1%. |
| Whop | Amazon Pay | |
|---|---|---|
| Payout speed | Next-day ACH ($2.50) or instant (4% + $2.50) | 3-5 business days from settlement to bank arrival |
| Merchant countries | Payouts to 200+ countries | US, UK, Austria, Belgium, Cyprus, Denmark, France, Germany, Hungary, Ireland, Italy, Japan, Luxembourg, Netherlands, Portugal, Spain, Sweden and Switzerland |
| Currencies | Not published | Not published |
| Whop | Amazon Pay | |
|---|---|---|
| Shopify | Replaces checkout | No |
| WooCommerce | Not published | Yes |
| Subscriptions | Yes | Yes |
| One-click upsells | Yes | Not published |
| Apple Pay | Yes | Not published |
| 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 Amazon Pay if
Non-Shopify stores whose customers shop on Amazon and that want an extra wallet option at checkout.
Whop sources · checked 2026-10-21
Amazon Pay sources · checked 2026-10-21