Whop vs Tagada Pay: 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

Checkout & funnel platform

Tagada Pay

Card rate

From 2.9% + $0.29 (TagadaPay processing)

Monthly: $75/week platform fee, waived when variable fees exceed $50K/month

Quick take

Tagada Pay is a checkout and funnel platform, not a processor: you still need a gateway or merchant account behind it. Whop is processor, checkout and storefront in one.
Monthly fees at Tagada Pay: $75/week platform fee, waived when variable fees exceed $50K/month. Whop lists no monthly fee.

Side by side

Pricing
	Whop	Tagada Pay
Type	Payment processor	Checkout & funnel platform
Pricing model	flat rate	% + per-transaction plus weekly platform fee
Card rate	2.7% + 30¢	From 2.9% + $0.29 (TagadaPay processing)
International	+1.5% international cards, +1% currency conversion	Not published
Monthly fee	Not published	$75/week platform fee, waived when variable fees exceed $50K/month
Setup fee	Not published	None
Chargeback fee	$15	Not published

Risk
	Whop	Tagada Pay
High-risk businesses	Case by case	Case by case
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	Tagada Pay
Payout speed	Next-day ACH ($2.50) or instant (4% + $2.50)	Daily payouts
Merchant countries	Payouts to 200+ countries	Not published
Currencies	Not published	135+ currencies with automatic conversion

Integrations and features
	Whop	Tagada Pay
Shopify	Replaces checkout	Replaces checkout
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	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 Tagada Pay if

DTC and subscription brands that want funnels, upsells and multi-processor routing in one checkout outside Shopify's native checkout.

+Publishes pricing: processing from 2.9% + $0.29, CRM fee 1.25% + $0.29
+Routes across 50+ gateways with cascade on decline, plus its own TagadaPay processor
+Built-in one-click upsells, subscriptions and funnel builder
+TagadaPay says cards and tokens are exportable at any time
−$75/week platform fee until variable fees exceed $50K/month
−Shopify setup sends shoppers to a Tagada checkout instead of Shopify checkout
−Several 2026 Trustpilot reviews report slow support, billing disputes and late-stage declines
−Reserve, chargeback fee and merchant-country terms not published

Tagada Pay profile

Questions

Is Whop cheaper than Tagada Pay?: Tagada Pay 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 Tagada Pay work with Shopify?: Replaces checkout. For Shopify, Tagada injects a script into the theme that rewrites Buy Now and Checkout buttons so the cart goes to a Tagada checkout instead of Shopify's. Official WooCommerce plugins, plus Funnelish, ClickFunnels and headless SDKs. Routes to Stripe, Adyen, NMI, Airwallex, Oceanpayment and others.
Does Tagada Pay accept high-risk or dropshipping stores?: High-risk: case by case. Dropshipping: not published. TagadaPay says every industry is welcome, including supplements and high-ticket, with enhanced review for regulated verticals. Merchants apply by business type; most go live in under 24 hours.

Sources

Whop sources · checked 2026-10-21

Tagada Pay 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

Checkout & funnel platform

Tagada Pay

Card rate

From 2.9% + $0.29 (TagadaPay processing)

Monthly: $75/week platform fee, waived when variable fees exceed $50K/month

Side by side

Pricing
	Whop	Tagada Pay
Type	Payment processor	Checkout & funnel platform
Pricing model	flat rate	% + per-transaction plus weekly platform fee
Card rate	2.7% + 30¢	From 2.9% + $0.29 (TagadaPay processing)
International	+1.5% international cards, +1% currency conversion	Not published
Monthly fee	Not published	$75/week platform fee, waived when variable fees exceed $50K/month
Setup fee	Not published	None
Chargeback fee	$15	Not published

Risk
	Whop	Tagada Pay
High-risk businesses	Case by case	Case by case
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	Tagada Pay
Payout speed	Next-day ACH ($2.50) or instant (4% + $2.50)	Daily payouts
Merchant countries	Payouts to 200+ countries	Not published
Currencies	Not published	135+ currencies with automatic conversion

Integrations and features
	Whop	Tagada Pay
Shopify	Replaces checkout	Replaces checkout
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	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 Tagada Pay if

DTC and subscription brands that want funnels, upsells and multi-processor routing in one checkout outside Shopify's native checkout.

+Publishes pricing: processing from 2.9% + $0.29, CRM fee 1.25% + $0.29
+Routes across 50+ gateways with cascade on decline, plus its own TagadaPay processor
+Built-in one-click upsells, subscriptions and funnel builder
+TagadaPay says cards and tokens are exportable at any time
−$75/week platform fee until variable fees exceed $50K/month
−Shopify setup sends shoppers to a Tagada checkout instead of Shopify checkout
−Several 2026 Trustpilot reviews report slow support, billing disputes and late-stage declines
−Reserve, chargeback fee and merchant-country terms not published

Tagada Pay profile

Questions

Is Whop cheaper than Tagada Pay?

Tagada Pay 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 Tagada Pay work with Shopify?

Replaces checkout. For Shopify, Tagada injects a script into the theme that rewrites Buy Now and Checkout buttons so the cart goes to a Tagada checkout instead of Shopify's. Official WooCommerce plugins, plus Funnelish, ClickFunnels and headless SDKs. Routes to Stripe, Adyen, NMI, Airwallex, Oceanpayment and others.

Does Tagada Pay accept high-risk or dropshipping stores?

High-risk: case by case. Dropshipping: not published. TagadaPay says every industry is welcome, including supplements and high-ticket, with enhanced review for regulated verticals. Merchants apply by business type; most go live in under 24 hours.