Whop vs PaymentCloud: 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

High-risk merchant services

PaymentCloud

Card rate

Quote only

No monthly fee listed

Quick take

PaymentCloud sets you up with a merchant account through partner banks, with terms quoted per business. Whop publishes one flat rate.
PaymentCloud doesn't publish a standard card rate (custom quote). Whop publishes 2.7% + 30¢ with no monthly fee listed.
PaymentCloud boards high-risk businesses. Whop reviews case by case and bans unapproved supplements and vapes.
PaymentCloud works inside Shopify (third-party gateway). Whop replaces Shopify with its own storefront.

Side by side

Pricing
	Whop	PaymentCloud
Type	Payment processor	High-risk merchant services
Pricing model	flat rate	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	None (high-risk page: 'no setup fees')
Chargeback fee	$15	Not published

Risk
	Whop	PaymentCloud
High-risk businesses	Case by case	Yes
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	PaymentCloud
Payout speed	Next-day ACH ($2.50) or instant (4% + $2.50)	Not published
Merchant countries	Payouts to 200+ countries	United States (the site markets to US businesses and lists no other countries)
Currencies	Not published	Not published

Integrations and features
	Whop	PaymentCloud
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 PaymentCloud if

US dropshipping, nutra or subscription merchants who want a high-risk bank placement connected to Shopify or WooCommerce through a gateway.

+Publishes a dedicated dropshipping merchant account page
+High-risk page states no setup fees
+Gateway-agnostic, with Authorize.net, NMI and USAePay among the options
+FAQ publishes underwriting guidance such as the 3% chargeback threshold
−No published rates or monthly fees
−No published reserve policy or funding timeline
−Continuity page says free trials and negative-option billing are generally not supported

PaymentCloud profile

Questions

Is Whop cheaper than PaymentCloud?: PaymentCloud 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 PaymentCloud work with Shopify?: Third-party gateway. PaymentCloud's Shopify guide says merchants connect the merchant account to Shopify through a compatible high-risk payment gateway. Gateways offered include Authorize.net, NMI, USAePay, Fluid Pay, Cybersource, Payeezy, Braintree, Global Payments and PayTrace. The integrations page lists Shopify, WooCommerce, BigCommerce and Magento. Apple Pay is mentioned only for the Braintree gateway option.
Does PaymentCloud accept high-risk or dropshipping stores?: High-risk: yes. Dropshipping: yes. Publishes industry pages for dropshipping, nutraceuticals, CBD, continuity/subscription, adult, firearms, online pharmacy and others. The FAQ says banks want a chargeback ratio under 3% and suggests starting with a $5,000 to $10,000 monthly volume limit; volume over the limit may be held briefly. The continuity page says free trials and negative-option billing are generally not supported.

Sources

Whop sources · checked 2026-10-21

PaymentCloud sources · checked 2026-10-21

Quick take

PaymentCloud sets you up with a merchant account through partner banks, with terms quoted per business. Whop publishes one flat rate.

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

PaymentCloud boards high-risk businesses. Whop reviews case by case and bans unapproved supplements and vapes.

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

Side by side

Pricing
	Whop	PaymentCloud
Type	Payment processor	High-risk merchant services
Pricing model	flat rate	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	None (high-risk page: 'no setup fees')
Chargeback fee	$15	Not published

Risk
	Whop	PaymentCloud
High-risk businesses	Case by case	Yes
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	PaymentCloud
Payout speed	Next-day ACH ($2.50) or instant (4% + $2.50)	Not published
Merchant countries	Payouts to 200+ countries	United States (the site markets to US businesses and lists no other countries)
Currencies	Not published	Not published

Integrations and features
	Whop	PaymentCloud
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 PaymentCloud if

US dropshipping, nutra or subscription merchants who want a high-risk bank placement connected to Shopify or WooCommerce through a gateway.

+Publishes a dedicated dropshipping merchant account page
+High-risk page states no setup fees
+Gateway-agnostic, with Authorize.net, NMI and USAePay among the options
+FAQ publishes underwriting guidance such as the 3% chargeback threshold
−No published rates or monthly fees
−No published reserve policy or funding timeline
−Continuity page says free trials and negative-option billing are generally not supported

PaymentCloud profile

Questions

Is Whop cheaper than PaymentCloud?

PaymentCloud 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 PaymentCloud work with Shopify?

Third-party gateway. PaymentCloud's Shopify guide says merchants connect the merchant account to Shopify through a compatible high-risk payment gateway. Gateways offered include Authorize.net, NMI, USAePay, Fluid Pay, Cybersource, Payeezy, Braintree, Global Payments and PayTrace. The integrations page lists Shopify, WooCommerce, BigCommerce and Magento. Apple Pay is mentioned only for the Braintree gateway option.

Does PaymentCloud accept high-risk or dropshipping stores?

High-risk: yes. Dropshipping: yes. Publishes industry pages for dropshipping, nutraceuticals, CBD, continuity/subscription, adult, firearms, online pharmacy and others. The FAQ says banks want a chargeback ratio under 3% and suggests starting with a $5,000 to $10,000 monthly volume limit; volume over the limit may be held briefly. The continuity page says free trials and negative-option billing are generally not supported.