Whop vs FastSpring: 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

Merchant of record

FastSpring

Card rate

Quote only

No monthly fee listed

Quick take

FastSpring is a merchant of record: it sells on your behalf and handles sales tax, which suits software and digital goods more than physical products.
FastSpring doesn't publish a standard card rate (revenue share (custom quote)). Whop publishes 2.7% + 30¢ with no monthly fee listed.
FastSpring doesn't accept high-risk businesses under its published policies.

Side by side

Pricing
	Whop	FastSpring
Type	Payment processor	Merchant of record
Pricing model	flat rate	revenue share (custom quote)
Card rate	2.7% + 30¢	Not published
International	+1.5% international cards, +1% currency conversion	Not published
Monthly fee	Not published	Not published
Setup fee	Not published	Not published
Chargeback fee	$15	Not published

Risk
	Whop	FastSpring
High-risk businesses	Case by case	No
Dropshipping	Not published	No
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).	Payouts may be held from onboarding at FastSpring's discretion; a 45-day monitoring hold applies before the first payout; part of the balance can be retained for up to 180 days after termination (no more than one year)

Payouts and coverage
	Whop	FastSpring
Payout speed	Next-day ACH ($2.50) or instant (4% + $2.50)	Twice per month by default (weekly or monthly also available)
Merchant countries	Payouts to 200+ countries	Not published
Currencies	Not published	Payouts funded in USD, EUR, GBP, AUD or CAD

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

A software or game company with steady volume that wants a merchant of record and is willing to negotiate rates.

+Acts as legal seller and handles sales tax and VAT worldwide.
+Choice of twice-monthly, monthly or weekly payouts.
+1ClickPay lets returning customers buy add-ons with a saved card or PayPal.
+Apple Pay is on by default for one-time and recurring purchases.
−No published rates; pricing requires a sales conversation.
−45-day hold before the first payout, and balances can be retained up to 180 days after termination.
−Not for physical goods.
−Seller terms promise your data within 30 days of termination but say nothing about moving card data or subscriptions to a new provider.

FastSpring profile

Questions

Is Whop cheaper than FastSpring?: FastSpring 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 FastSpring work with Shopify?: Not published. Sold through FastSpring stores, embedded checkout and the API. Digital products only.
Does FastSpring accept high-risk or dropshipping stores?: High-risk: no. Dropshipping: no. Physical goods: FastSpring's demo page says the platform does not support physical goods or shipping, and product records must include a digital fulfillment method. Seller terms prohibit adult content, tobacco, pharmaceuticals, gambling, hate or violent content and third-party processing.
Does FastSpring hold reserves?: Payouts may be held from onboarding at FastSpring's discretion; a 45-day monitoring hold applies before the first payout; part of the balance can be retained for up to 180 days after termination (no more than one year)

Sources

Whop sources · checked 2026-10-21

FastSpring sources · checked 2026-10-21

Quick take

FastSpring is a merchant of record: it sells on your behalf and handles sales tax, which suits software and digital goods more than physical products.

FastSpring doesn't publish a standard card rate (revenue share (custom quote)). Whop publishes 2.7% + 30¢ with no monthly fee listed.

FastSpring doesn't accept high-risk businesses under its published policies.

Side by side

Pricing
	Whop	FastSpring
Type	Payment processor	Merchant of record
Pricing model	flat rate	revenue share (custom quote)
Card rate	2.7% + 30¢	Not published
International	+1.5% international cards, +1% currency conversion	Not published
Monthly fee	Not published	Not published
Setup fee	Not published	Not published
Chargeback fee	$15	Not published

Risk
	Whop	FastSpring
High-risk businesses	Case by case	No
Dropshipping	Not published	No
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).	Payouts may be held from onboarding at FastSpring's discretion; a 45-day monitoring hold applies before the first payout; part of the balance can be retained for up to 180 days after termination (no more than one year)

Payouts and coverage
	Whop	FastSpring
Payout speed	Next-day ACH ($2.50) or instant (4% + $2.50)	Twice per month by default (weekly or monthly also available)
Merchant countries	Payouts to 200+ countries	Not published
Currencies	Not published	Payouts funded in USD, EUR, GBP, AUD or CAD

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

A software or game company with steady volume that wants a merchant of record and is willing to negotiate rates.

+Acts as legal seller and handles sales tax and VAT worldwide.
+Choice of twice-monthly, monthly or weekly payouts.
+1ClickPay lets returning customers buy add-ons with a saved card or PayPal.
+Apple Pay is on by default for one-time and recurring purchases.
−No published rates; pricing requires a sales conversation.
−45-day hold before the first payout, and balances can be retained up to 180 days after termination.
−Not for physical goods.
−Seller terms promise your data within 30 days of termination but say nothing about moving card data or subscriptions to a new provider.

FastSpring profile

Questions

Is Whop cheaper than FastSpring?

FastSpring 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 FastSpring work with Shopify?

Not published. Sold through FastSpring stores, embedded checkout and the API. Digital products only.

Does FastSpring accept high-risk or dropshipping stores?

High-risk: no. Dropshipping: no. Physical goods: FastSpring's demo page says the platform does not support physical goods or shipping, and product records must include a digital fulfillment method. Seller terms prohibit adult content, tobacco, pharmaceuticals, gambling, hate or violent content and third-party processing.

Does FastSpring hold reserves?

Payouts may be held from onboarding at FastSpring's discretion; a 45-day monitoring hold applies before the first payout; part of the balance can be retained for up to 180 days after termination (no more than one year)