Whop vs Braintree: fees, holds and features compared (2026)

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 processor

Braintree

Card rate

2.89% + 29¢

No monthly fee listed

Quick take

On a $50 card order, Whop's published rate costs $1.65 and Braintree's costs $1.74, $0.08 more.
Braintree doesn't accept high-risk businesses under its published policies.

Side by side

Pricing
	Whop	Braintree
Type	Payment processor	Payment processor
Pricing model	flat rate	flat rate
Card rate	2.7% + 30¢	2.89% + 29¢
International	+1.5% international cards, +1% currency conversion	+1% for cards issued outside the US; +1% when the payment is presented in a non-USD currency
Monthly fee	Not published	Not published
Setup fee	Not published	Not published
Chargeback fee	$15	$15

Risk
	Whop	Braintree
High-risk businesses	Case by case	No
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

Payouts and coverage
	Whop	Braintree
Payout speed	Next-day ACH ($2.50) or instant (4% + $2.50)	2-5 business days after the transaction settles (US)
Merchant countries	Payouts to 200+ countries	44 countries
Currencies	Not published	130+ local currencies for presentment; settlement usually limited to major currencies in your region

Integrations and features
	Whop	Braintree
Shopify	Replaces checkout	Not published
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	Yes

Which one fits

Pick Whop if

Funnel and subscription brands that want storefront, checkout and payments from one company at a flat published rate.

+Published flat rate of 2.7% + 30¢ with no monthly platform fee listed
+Storefront, checkout, subscriptions and payouts in one product
+API and CLI that AI coding agents can use to build and edit stores
−Ecommerce storefronts launched in October 2026 and docs still called physical goods a work in progress on October 20, 2026
−Reserves possible on new accounts and late-shipping stores
−International cards cost 1.5% extra

Whop profile

Pick Braintree if

Developer-led stores and apps that want card, PayPal and Venmo acceptance under one PayPal contract with room to negotiate rates.

+Published US rate of 2.89% + 29¢ with custom and interchange plus pricing for established businesses
+Exports customer and card data to a PCI-compliant processor on request, with no fee
+Cards, PayPal, Venmo and ACH through one integration
+Built-in recurring billing
−Prohibits negative response marketing, pseudo pharmaceuticals and up-sell data sharing
−Adds 1% for non-US cards and another 1% for non-USD presentment
−Not supported for Shopify post-purchase offers
−Funding can take up to 5 business days after settlement

Braintree profile

Questions

Is Whop cheaper than Braintree?: On published rates, a $50 order costs $1.65 on Whop (2.7% + 30¢) and $1.74 on Braintree (2.89% + 29¢). Check international card surcharges and chargeback fees too.
Does Braintree work with Shopify?: Not published. Shopify lists Braintree among providers that do not support Shopify post-purchase offers because they require CVV retention. WooCommerce sells an official PayPal Braintree extension built by Woo that supports WooCommerce Subscriptions and Apple Pay.
Does Braintree accept high-risk or dropshipping stores?: High-risk: no. Dropshipping: not published. Braintree's Acceptable Use Policy (last updated November 8, 2017) prohibits negative response marketing, pseudo pharmaceuticals, sharing cardholder data with another merchant for up-sell or cross-sell offers, rebate incentives after purchase, telemarketing, membership subscriptions over one year without approval, and activity that creates a significant risk of chargebacks. It does not mention dropshipping.

Sources

Whop sources · checked 2026-10-21

Braintree sources · checked 2026-10-21

Side by side

Pricing
	Whop	Braintree
Type	Payment processor	Payment processor
Pricing model	flat rate	flat rate
Card rate	2.7% + 30¢	2.89% + 29¢
International	+1.5% international cards, +1% currency conversion	+1% for cards issued outside the US; +1% when the payment is presented in a non-USD currency
Monthly fee	Not published	Not published
Setup fee	Not published	Not published
Chargeback fee	$15	$15

Risk
	Whop	Braintree
High-risk businesses	Case by case	No
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

Payouts and coverage
	Whop	Braintree
Payout speed	Next-day ACH ($2.50) or instant (4% + $2.50)	2-5 business days after the transaction settles (US)
Merchant countries	Payouts to 200+ countries	44 countries
Currencies	Not published	130+ local currencies for presentment; settlement usually limited to major currencies in your region

Integrations and features
	Whop	Braintree
Shopify	Replaces checkout	Not published
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	Yes

Which one fits

Pick Whop if

Funnel and subscription brands that want storefront, checkout and payments from one company at a flat published rate.

+Published flat rate of 2.7% + 30¢ with no monthly platform fee listed
+Storefront, checkout, subscriptions and payouts in one product
+API and CLI that AI coding agents can use to build and edit stores
−Ecommerce storefronts launched in October 2026 and docs still called physical goods a work in progress on October 20, 2026
−Reserves possible on new accounts and late-shipping stores
−International cards cost 1.5% extra

Whop profile

Pick Braintree if

Developer-led stores and apps that want card, PayPal and Venmo acceptance under one PayPal contract with room to negotiate rates.

+Published US rate of 2.89% + 29¢ with custom and interchange plus pricing for established businesses
+Exports customer and card data to a PCI-compliant processor on request, with no fee
+Cards, PayPal, Venmo and ACH through one integration
+Built-in recurring billing
−Prohibits negative response marketing, pseudo pharmaceuticals and up-sell data sharing
−Adds 1% for non-US cards and another 1% for non-USD presentment
−Not supported for Shopify post-purchase offers
−Funding can take up to 5 business days after settlement

Braintree profile

Questions

Is Whop cheaper than Braintree?

On published rates, a $50 order costs $1.65 on Whop (2.7% + 30¢) and $1.74 on Braintree (2.89% + 29¢). Check international card surcharges and chargeback fees too.

Does Braintree work with Shopify?

Not published. Shopify lists Braintree among providers that do not support Shopify post-purchase offers because they require CVV retention. WooCommerce sells an official PayPal Braintree extension built by Woo that supports WooCommerce Subscriptions and Apple Pay.

Does Braintree accept high-risk or dropshipping stores?

High-risk: no. Dropshipping: not published. Braintree's Acceptable Use Policy (last updated November 8, 2017) prohibits negative response marketing, pseudo pharmaceuticals, sharing cardholder data with another merchant for up-sell or cross-sell offers, rebate incentives after purchase, telemarketing, membership subscriptions over one year without approval, and activity that creates a significant risk of chargebacks. It does not mention dropshipping.