Whop vs Paddle: 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

Paddle

Card rate

5% + 50¢ per checkout transaction

No monthly fee listed

Quick take

Paddle is a merchant of record: it sells on your behalf and handles sales tax, which suits software and digital goods more than physical products.
On a $50 card order, Whop's published rate costs $1.65 and Paddle's costs $3.00, $1.35 more.
Paddle doesn't accept high-risk businesses under its published policies.

Side by side

Pricing
	Whop	Paddle
Type	Payment processor	Merchant of record
Pricing model	flat rate	flat rate (merchant of record)
Card rate	2.7% + 30¢	5% + 50¢ per checkout transaction
International	+1.5% international cards, +1% currency conversion	Not published
Monthly fee	Not published	None
Setup fee	Not published	Not published
Chargeback fee	$15	$20, £20 or €20 (40 CAD/AUD); not refunded if you win

Risk
	Whop	Paddle
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).	Not published

Payouts and coverage
	Whop	Paddle
Payout speed	Next-day ACH ($2.50) or instant (4% + $2.50)	Monthly (created on the 1st, sent by the 15th)
Merchant countries	Payouts to 200+ countries	Not published
Currencies	Not published	30+ payment currencies; balances held in USD, EUR, GBP, AUD or CAD; buyers in 200+ countries and territories

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

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 Paddle if

A SaaS or digital product seller that wants a merchant of record to handle global tax and payments for a flat percentage.

+Collects and remits sales tax and VAT as the reseller of record.
+One published rate of 5% + 50¢ with no monthly fee.
+Will transfer stored payment details to a new provider's PCI-compliant vault within 2 weeks after security checks.
+30+ payment currencies, with Apple Pay and Google Pay built into checkout.
−Physical products are not allowed, so it does not fit brands shipping goods.
−Payouts are monthly only, with a $100 minimum.
−The chargeback fee is kept even when you win the dispute.

Paddle profile

Questions

Is Whop cheaper than Paddle?: On published rates, a $50 order costs $1.65 on Whop (2.7% + 30¢) and $3.00 on Paddle (5% + 50¢ per checkout transaction). Check international card surcharges and chargeback fees too.
Does Paddle work with Shopify?: Not published. Sold through Paddle Checkout (overlay, inline or hosted) and the Paddle API. Paddle targets software and digital products, not physical-goods stores.
Does Paddle accept high-risk or dropshipping stores?: High-risk: no. Dropshipping: no. Physical goods are not allowed: the acceptable use policy prohibits physical products or products that require physical delivery. It also excludes human services not tied to software, adult content, gambling, financial services and gift cards or stored value. Paddle's acceptable chargeback rate is below 0.65% of monthly transaction volume.

Sources

Whop sources · checked 2026-10-21

Paddle 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

Merchant of record

Paddle

Card rate

5% + 50¢ per checkout transaction

No monthly fee listed

Quick take

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

On a $50 card order, Whop's published rate costs $1.65 and Paddle's costs $3.00, $1.35 more.

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

Side by side

Pricing
	Whop	Paddle
Type	Payment processor	Merchant of record
Pricing model	flat rate	flat rate (merchant of record)
Card rate	2.7% + 30¢	5% + 50¢ per checkout transaction
International	+1.5% international cards, +1% currency conversion	Not published
Monthly fee	Not published	None
Setup fee	Not published	Not published
Chargeback fee	$15	$20, £20 or €20 (40 CAD/AUD); not refunded if you win

Risk
	Whop	Paddle
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).	Not published

Payouts and coverage
	Whop	Paddle
Payout speed	Next-day ACH ($2.50) or instant (4% + $2.50)	Monthly (created on the 1st, sent by the 15th)
Merchant countries	Payouts to 200+ countries	Not published
Currencies	Not published	30+ payment currencies; balances held in USD, EUR, GBP, AUD or CAD; buyers in 200+ countries and territories

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

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 Paddle if

A SaaS or digital product seller that wants a merchant of record to handle global tax and payments for a flat percentage.

+Collects and remits sales tax and VAT as the reseller of record.
+One published rate of 5% + 50¢ with no monthly fee.
+Will transfer stored payment details to a new provider's PCI-compliant vault within 2 weeks after security checks.
+30+ payment currencies, with Apple Pay and Google Pay built into checkout.
−Physical products are not allowed, so it does not fit brands shipping goods.
−Payouts are monthly only, with a $100 minimum.
−The chargeback fee is kept even when you win the dispute.

Paddle profile

Questions

Is Whop cheaper than Paddle?

On published rates, a $50 order costs $1.65 on Whop (2.7% + 30¢) and $3.00 on Paddle (5% + 50¢ per checkout transaction). Check international card surcharges and chargeback fees too.

Does Paddle work with Shopify?

Not published. Sold through Paddle Checkout (overlay, inline or hosted) and the Paddle API. Paddle targets software and digital products, not physical-goods stores.

Does Paddle accept high-risk or dropshipping stores?

High-risk: no. Dropshipping: no. Physical goods are not allowed: the acceptable use policy prohibits physical products or products that require physical delivery. It also excludes human services not tied to software, adult content, gambling, financial services and gift cards or stored value. Paddle's acceptable chargeback rate is below 0.65% of monthly transaction volume.