Whop vs ClickFunnels: 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

Checkout & funnel platform

ClickFunnels

Card rate

2.7% to 2.9% + 30¢ on the Payments AI gateway (sources differ)

Monthly: $97 (Launch), $197 (Scale) or $297 (Optimize) per month; Dominate $5,997/yr

Quick take

ClickFunnels is a checkout and funnel platform, not a processor: you still need a gateway or merchant account behind it. Whop is processor, checkout and storefront in one.
Monthly fees at ClickFunnels: $97 (Launch), $197 (Scale) or $297 (Optimize) per month; Dominate $5,997/yr. Whop lists no monthly fee.

Side by side

Pricing
	Whop	ClickFunnels
Type	Payment processor	Checkout & funnel platform
Pricing model	flat rate	subscription
Card rate	2.7% + 30¢	2.7% to 2.9% + 30¢ on the Payments AI gateway (sources differ)
International	+1.5% international cards, +1% currency conversion	+1.5% international cards, +1% currency conversion (Payments AI gateway)
Monthly fee	Not published	$97 (Launch), $197 (Scale) or $297 (Optimize) per month; Dominate $5,997/yr
Setup fee	Not published	Not published
Chargeback fee	$15	$15 per dispute (Payments AI gateway)

Risk
	Whop	ClickFunnels
High-risk businesses	Case by case	Not published
Dropshipping	Not published	Yes
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	ClickFunnels
Payout speed	Next-day ACH ($2.50) or instant (4% + $2.50)	Not published
Merchant countries	Payouts to 200+ countries	Not published
Currencies	Not published	One currency per workspace

Integrations and features
	Whop	ClickFunnels
Shopify	Replaces checkout	No
WooCommerce	Not published	Not published
Subscriptions	Yes	Yes
One-click upsells	Yes	Yes
Apple Pay	Yes	Yes
Multiple MIDs	Not published	Yes
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 ClickFunnels if

An info-product or small DTC seller who wants funnels, upsells and email in one subscription and is comfortable processing through Payments AI.

+Flat plan pricing with no ClickFunnels percentage on sales.
+Payments AI routing rules can split or route transactions across Payments AI, Stripe and NMI by location, currency, product or amount.
+Funnels, store, email, courses and one-time-offer upsell pages in one plan.
+Subscription dunning rules for failed payments through Payments AI.
−A direct Stripe connection is no longer the standard setup; new workspaces connect Stripe through Payments AI.
−NMI and PayPal only work through Payments AI, and Coinbase and Klarna do not yet work with the ClickFunnels checkout element.
−Only one currency per workspace.
−No published process for exporting stored cards out of Payments AI.

ClickFunnels profile

Questions

Is Whop cheaper than ClickFunnels?: ClickFunnels 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 ClickFunnels work with Shopify?: No. The help center has no native Shopify integration; its webhook guide uses sending orders to Shopify as an example, and Zapier is supported. A domain can be connected to Shopify or ClickFunnels, not both.
Does ClickFunnels accept high-risk or dropshipping stores?: High-risk: not published. Dropshipping: yes. Underwriting is done by Payments AI or the gateway you connect. ClickFunnels documents dropshipping integrations with Zendrop and Supliful.

Sources

Whop sources · checked 2026-10-21

ClickFunnels sources · checked 2026-10-21

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

Checkout & funnel platform

ClickFunnels

Card rate

2.7% to 2.9% + 30¢ on the Payments AI gateway (sources differ)

Monthly: $97 (Launch), $197 (Scale) or $297 (Optimize) per month; Dominate $5,997/yr

Quick take

ClickFunnels is a checkout and funnel platform, not a processor: you still need a gateway or merchant account behind it. Whop is processor, checkout and storefront in one.

Monthly fees at ClickFunnels: $97 (Launch), $197 (Scale) or $297 (Optimize) per month; Dominate $5,997/yr. Whop lists no monthly fee.

Side by side

Pricing
	Whop	ClickFunnels
Type	Payment processor	Checkout & funnel platform
Pricing model	flat rate	subscription
Card rate	2.7% + 30¢	2.7% to 2.9% + 30¢ on the Payments AI gateway (sources differ)
International	+1.5% international cards, +1% currency conversion	+1.5% international cards, +1% currency conversion (Payments AI gateway)
Monthly fee	Not published	$97 (Launch), $197 (Scale) or $297 (Optimize) per month; Dominate $5,997/yr
Setup fee	Not published	Not published
Chargeback fee	$15	$15 per dispute (Payments AI gateway)

Risk
	Whop	ClickFunnels
High-risk businesses	Case by case	Not published
Dropshipping	Not published	Yes
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	ClickFunnels
Payout speed	Next-day ACH ($2.50) or instant (4% + $2.50)	Not published
Merchant countries	Payouts to 200+ countries	Not published
Currencies	Not published	One currency per workspace

Integrations and features
	Whop	ClickFunnels
Shopify	Replaces checkout	No
WooCommerce	Not published	Not published
Subscriptions	Yes	Yes
One-click upsells	Yes	Yes
Apple Pay	Yes	Yes
Multiple MIDs	Not published	Yes
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 ClickFunnels if

An info-product or small DTC seller who wants funnels, upsells and email in one subscription and is comfortable processing through Payments AI.

+Flat plan pricing with no ClickFunnels percentage on sales.
+Payments AI routing rules can split or route transactions across Payments AI, Stripe and NMI by location, currency, product or amount.
+Funnels, store, email, courses and one-time-offer upsell pages in one plan.
+Subscription dunning rules for failed payments through Payments AI.
−A direct Stripe connection is no longer the standard setup; new workspaces connect Stripe through Payments AI.
−NMI and PayPal only work through Payments AI, and Coinbase and Klarna do not yet work with the ClickFunnels checkout element.
−Only one currency per workspace.
−No published process for exporting stored cards out of Payments AI.

ClickFunnels profile

Questions

Is Whop cheaper than ClickFunnels?

ClickFunnels 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 ClickFunnels work with Shopify?

No. The help center has no native Shopify integration; its webhook guide uses sending orders to Shopify as an example, and Zapier is supported. A domain can be connected to Shopify or ClickFunnels, not both.

Does ClickFunnels accept high-risk or dropshipping stores?

High-risk: not published. Dropshipping: yes. Underwriting is done by Payments AI or the gateway you connect. ClickFunnels documents dropshipping integrations with Zendrop and Supliful.