Whop vs Mollie: 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

Mollie

Card rate

1.80% + €0.25 (EEA consumer cards)

No monthly fee listed

Quick take

Mollie works inside Shopify (third-party gateway). Whop replaces Shopify with its own storefront.

Side by side

Pricing
	Whop	Mollie
Type	Payment processor	Payment processor
Pricing model	flat rate	flat rate (interchange++ volume pricing above €100,000/month)
Card rate	2.7% + 30¢	1.80% + €0.25 (EEA consumer cards)
International	+1.5% international cards, +1% currency conversion	3.25% + €0.25 for non-EEA cards; EEA commercial cards 2.90% + €0.25
Monthly fee	Not published	None for online payments
Setup fee	Not published	None
Chargeback fee	$15	Not published

Risk
	Whop	Mollie
High-risk businesses	Case by case	Not published
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	Mollie
Payout speed	Next-day ACH ($2.50) or instant (4% + $2.50)	Not published
Merchant countries	Payouts to 200+ countries	EU, EEA and UK
Currencies	Not published	Not published

Integrations and features
	Whop	Mollie
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 Mollie if

European online stores that sell mainly to EEA customers and want local payment methods with simple published pricing.

+Low EEA consumer card rate of 1.80% + €0.25 with no monthly fee for online payments
+Wide coverage of European local methods such as iDEAL, Bancontact and Klarna
+Recurring payments included at no extra cost
+Interchange++ volume pricing above €100,000/month
−Only for businesses in the EU, EEA and UK
−Non-EEA cards cost 3.25% + €0.25
−Chargeback fee is not stated on the pricing page
−Payouts beyond 5 a month cost €0.25 each for smaller merchants

Mollie profile

Questions

Is Whop cheaper than Mollie?: Mollie 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 Mollie work with Shopify?: Third-party gateway. Mollie offers payment method apps that Shopify merchants add from the Shopify admin. Mollie lists WooCommerce among its webshop integrations.
Does Mollie accept high-risk or dropshipping stores?: High-risk: not published. Dropshipping: not published. Mollie keeps a list of prohibited products and services and says it may decline businesses not on the list that pose unacceptable risk. Search-indexed text of its help article lists pseudo pharmaceuticals and health supplements harmful to consumer safety as not accepted, but the article was blocked by a bot check and could not be read directly. Mollie has a help article on extra conditions for dropshipping platforms that also could not be read.

Sources

Whop sources · checked 2026-10-21

Mollie 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

Payment processor

Mollie

Card rate

1.80% + €0.25 (EEA consumer cards)

No monthly fee listed

Side by side

Pricing
	Whop	Mollie
Type	Payment processor	Payment processor
Pricing model	flat rate	flat rate (interchange++ volume pricing above €100,000/month)
Card rate	2.7% + 30¢	1.80% + €0.25 (EEA consumer cards)
International	+1.5% international cards, +1% currency conversion	3.25% + €0.25 for non-EEA cards; EEA commercial cards 2.90% + €0.25
Monthly fee	Not published	None for online payments
Setup fee	Not published	None
Chargeback fee	$15	Not published

Risk
	Whop	Mollie
High-risk businesses	Case by case	Not published
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	Mollie
Payout speed	Next-day ACH ($2.50) or instant (4% + $2.50)	Not published
Merchant countries	Payouts to 200+ countries	EU, EEA and UK
Currencies	Not published	Not published

Integrations and features
	Whop	Mollie
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 Mollie if

European online stores that sell mainly to EEA customers and want local payment methods with simple published pricing.

+Low EEA consumer card rate of 1.80% + €0.25 with no monthly fee for online payments
+Wide coverage of European local methods such as iDEAL, Bancontact and Klarna
+Recurring payments included at no extra cost
+Interchange++ volume pricing above €100,000/month
−Only for businesses in the EU, EEA and UK
−Non-EEA cards cost 3.25% + €0.25
−Chargeback fee is not stated on the pricing page
−Payouts beyond 5 a month cost €0.25 each for smaller merchants

Mollie profile

Questions

Is Whop cheaper than Mollie?

Mollie 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 Mollie work with Shopify?

Third-party gateway. Mollie offers payment method apps that Shopify merchants add from the Shopify admin. Mollie lists WooCommerce among its webshop integrations.

Does Mollie accept high-risk or dropshipping stores?

High-risk: not published. Dropshipping: not published. Mollie keeps a list of prohibited products and services and says it may decline businesses not on the list that pose unacceptable risk. Search-indexed text of its help article lists pseudo pharmaceuticals and health supplements harmful to consumer safety as not accepted, but the article was blocked by a bot check and could not be read directly. Mollie has a help article on extra conditions for dropshipping platforms that also could not be read.