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
Payment gateway
Authorize.net
Card rate
2.9% + 30¢ (All-in-One plan, subject to eligibility)
Monthly: $25
| Whop | Authorize.net | |
|---|---|---|
| Type | Payment processor | Payment gateway |
| Pricing model | flat rate | subscription + per-transaction |
| Card rate | 2.7% + 30¢ | 2.9% + 30¢ (All-in-One plan, subject to eligibility) |
| International | +1.5% international cards, +1% currency conversion | Not published |
| Monthly fee | Not published | $25 |
| Setup fee | Not published | $0 |
| Chargeback fee | $15 | $0 gateway chargeback fee in Authorize.net's fee table; eCheck chargebacks are $25 |
| Whop | Authorize.net | |
|---|---|---|
| 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). | Not published |
| Whop | Authorize.net | |
|---|---|---|
| Payout speed | Next-day ACH ($2.50) or instant (4% + $2.50) | Typically 2-3 business days after the daily batch settles |
| Merchant countries | Payouts to 200+ countries | US and Canada (requires a merchant account from a US or Canada-based provider; other countries are referred to Cybersource) |
| Currencies | Not published | One currency per account; USD, CAD or both depending on the processor connection |
| Whop | Authorize.net | |
|---|---|---|
| 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 Authorize.net if
US or Canadian merchants who already have, or need to keep, their own merchant account and want a widely supported gateway in front of it.
Whop sources · checked 2026-10-21
Authorize.net sources · checked 2026-10-21