Whop vs Checkout.com: 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

Checkout.com

Card rate

Quote only

No monthly fee listed

Quick take

Checkout.com doesn't publish a standard card rate (custom quote (flat rate or interchange++)). Whop publishes 2.7% + 30¢ with no monthly fee listed.
Checkout.com works inside Shopify (third-party gateway). Whop replaces Shopify with its own storefront.

Side by side

Pricing
	Whop	Checkout.com
Type	Payment processor	Payment processor
Pricing model	flat rate	custom quote (flat rate or interchange++)
Card rate	2.7% + 30¢	Not published
International	+1.5% international cards, +1% currency conversion	Not published
Monthly fee	Not published	None (no account maintenance fees)
Setup fee	Not published	None
Chargeback fee	$15	Not published

Risk
	Whop	Checkout.com
High-risk businesses	Case by case	Case by case
Dropshipping	Not published	Case by case
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	Checkout.com
Payout speed	Next-day ACH ($2.50) or instant (4% + $2.50)	T+2 for mainly domestic currencies including USD, GBP and EUR; T+3 or longer for mainly international currencies
Merchant countries	Payouts to 200+ countries	Visa acceptance is listed for merchants in most of Europe and the UK, the US, parts of Asia Pacific, the Middle East and North Africa, and Latin America; lists vary by payment method
Currencies	Not published	Not published

Integrations and features
	Whop	Checkout.com
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

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 Checkout.com if

Growing online brands, including some in restricted categories, that can get through pre-approval and want negotiated pricing.

+No setup or account maintenance fees
+Dropshipping, nutraceuticals and negative option models can be pre-approved instead of being banned
+Choice of flat rate or interchange++ pricing
+Official Shopify payments apps and a WooCommerce plugin
−No published rates or chargeback fee
−Restricted categories need pre-approval and extra due diligence
−Payouts on international currencies can take T+3 or longer
−No single published list of supported merchant countries

Checkout.com profile

Questions

Is Whop cheaper than Checkout.com?: Checkout.com doesn't publish a standard card rate, so you need a quote to compare. Whop publishes 2.7% + 30¢ on domestic cards with no monthly fee listed.
Does Checkout.com work with Shopify?: Third-party gateway. Checkout.com has Shopify payments apps (onsite and offsite) listed in the Shopify App Store. Its WooCommerce plugin is maintained by Checkout.com and supports WooCommerce Subscriptions.
Does Checkout.com accept high-risk or dropshipping stores?: High-risk: case by case. Dropshipping: case by case. Checkout.com's terms list activities requiring pre-approval, including products sold through negative option marketing, outbound telemarketing, dropshipping, pseudo-pharmaceuticals, highly regulated nutraceuticals such as CBD, and food supplements. Fraudulent or deceptive marketing practices are prohibited. Its settlement docs say it may pause settlements for risk reasons.

Sources

Whop sources · checked 2026-10-21

Checkout.com sources · checked 2026-10-21

Side by side

Pricing
	Whop	Checkout.com
Type	Payment processor	Payment processor
Pricing model	flat rate	custom quote (flat rate or interchange++)
Card rate	2.7% + 30¢	Not published
International	+1.5% international cards, +1% currency conversion	Not published
Monthly fee	Not published	None (no account maintenance fees)
Setup fee	Not published	None
Chargeback fee	$15	Not published

Risk
	Whop	Checkout.com
High-risk businesses	Case by case	Case by case
Dropshipping	Not published	Case by case
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	Checkout.com
Payout speed	Next-day ACH ($2.50) or instant (4% + $2.50)	T+2 for mainly domestic currencies including USD, GBP and EUR; T+3 or longer for mainly international currencies
Merchant countries	Payouts to 200+ countries	Visa acceptance is listed for merchants in most of Europe and the UK, the US, parts of Asia Pacific, the Middle East and North Africa, and Latin America; lists vary by payment method
Currencies	Not published	Not published

Integrations and features
	Whop	Checkout.com
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

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 Checkout.com if

Growing online brands, including some in restricted categories, that can get through pre-approval and want negotiated pricing.

+No setup or account maintenance fees
+Dropshipping, nutraceuticals and negative option models can be pre-approved instead of being banned
+Choice of flat rate or interchange++ pricing
+Official Shopify payments apps and a WooCommerce plugin
−No published rates or chargeback fee
−Restricted categories need pre-approval and extra due diligence
−Payouts on international currencies can take T+3 or longer
−No single published list of supported merchant countries

Checkout.com profile

Questions

Is Whop cheaper than Checkout.com?

Checkout.com doesn't publish a standard card rate, so you need a quote to compare. Whop publishes 2.7% + 30¢ on domestic cards with no monthly fee listed.

Does Checkout.com work with Shopify?

Third-party gateway. Checkout.com has Shopify payments apps (onsite and offsite) listed in the Shopify App Store. Its WooCommerce plugin is maintained by Checkout.com and supports WooCommerce Subscriptions.

Does Checkout.com accept high-risk or dropshipping stores?

High-risk: case by case. Dropshipping: case by case. Checkout.com's terms list activities requiring pre-approval, including products sold through negative option marketing, outbound telemarketing, dropshipping, pseudo-pharmaceuticals, highly regulated nutraceuticals such as CBD, and food supplements. Fraudulent or deceptive marketing practices are prohibited. Its settlement docs say it may pause settlements for risk reasons.