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
High-risk merchant services
Easy Pay Direct
Card rate
2.69% + $0.36
Monthly: Typically $25, varies by business type and volume
| Whop | Easy Pay Direct | |
|---|---|---|
| Type | Payment processor | High-risk merchant services |
| Pricing model | flat rate | published starting rate, custom quote for higher volume |
| Card rate | 2.7% + 30¢ | 2.69% + $0.36 |
| International | +1.5% international cards, +1% currency conversion | Not published |
| Monthly fee | Not published | Typically $25, varies by business type and volume |
| Setup fee | Not published | $99, waived if documents are submitted within 24 hours |
| Chargeback fee | $15 | Not published |
| Whop | Easy Pay Direct | |
|---|---|---|
| High-risk businesses | Case by case | Yes |
| 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). | Case by case. Some high-risk accounts carry a reserve, typically a six-month rolling reserve (funds held at least 180 days); others carry a capped reserve. |
| Whop | Easy Pay Direct | |
|---|---|---|
| Payout speed | Next-day ACH ($2.50) or instant (4% + $2.50) | Often 2 to 3 business days |
| Merchant countries | Payouts to 200+ countries | United States and Canada. The UK page says UK-based businesses are not yet accepted. |
| Currencies | Not published | USD; CAD settlement for Canadian accounts |
| Whop | Easy Pay Direct | |
|---|---|---|
| Shopify | Replaces checkout | Third-party gateway |
| WooCommerce | Not published | Yes |
| Subscriptions | Yes | Yes |
| One-click upsells | Yes | Yes |
| Apple Pay | Yes | Yes |
| Multiple MIDs | Not published | Yes |
| 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 Easy Pay Direct if
US or Canadian high-risk, subscription or funnel-based merchants who want multiple MIDs on one gateway.
Whop sources · checked 2026-10-21
Easy Pay Direct sources · checked 2026-10-21