Since October 2026, Whop runs the whole store: storefront, checkout, upsells, subscriptions and payouts in one place, at 2.7% + 30¢ with no plan fee listed. Here's who it fits, what it costs, and how to move without getting caught by a new-account reserve.
We earn a commission if you sign up through our Whop link. It doesn't change what you pay. Disclosure
Good fit
- You run a funnel or subscription brand and pay Checkout Champ $300 a month plus 1% on top of processing.
- Shopify Payments dropped you and you now pay Shopify's 2% third-party fee on every order.
- Rebill authorization rates decide your margins.
- You want to build and edit your store with AI tools like Claude.
Wait
- You ship slowly and can't carry a reserve of around 10% for 90 days on a new account.
- You sell supplements, vapes or anything near Whop's prohibited list.
- Your store depends on several Shopify apps Whop doesn't replace.
- You're mid-hold right now. Move once your numbers are healthy, so the new account starts clean.
Costs
What you pay today vs on Whop
| Option | Plan | Online card rate | Intl cards | Who holds funds |
|---|---|---|---|---|
| Whop | No plan fee listed | 2.7% + 30¢ | +1.5% | New accounts |
| Shopify Payments | Basic · $29/mo | 2.9% + 30¢ | +1% | At discretion |
| Shopify Payments | Grow · $79/mo yearly | 2.7% + 30¢ | +1% | At discretion |
| Checkout Champ | Growth · $300/mo | +1% of sales | Your gateway | Your MIDs |
Sources: shopify.com/pricing, docs.whop.com/fees, checkoutchamp.com/pricing · checked 2026-10-21
The move
Seven steps, in order
Check your category
Read Whop's prohibited list first. If every major processor bans your category, Whop does too.
Run your numbers
Put your monthly revenue, order size and international share into the fee calculator. Note the monthly difference.
Open the fee calculator →Create your Whop business
Sign up, add your business details and payout method, and expect identity and business verification. Have registration documents and a bank statement ready.
Build or migrate the store
Start from a Whop Blueprint, migrate your existing site, or point Claude at your store with the Whop CLI. Whop's docs warn the CLI has no sandbox and can move real money.
Rebuild checkout and offers
Set up express pay, order bumps, upsells, downsells and subscriptions. Match your current offer stack before you compare conversion.
Test end to end
Place real orders. Refund one. Check sales tax, receipts, subscription rebills and how orders reach your fulfillment, which runs through Zapier for now.
Move traffic in stages
Send part of your traffic first and keep your old processor live as a backup through the first months. A sudden volume jump on a new account invites review.
Read before you move
Whop holds funds too
Whop's reserve policy allows it to hold part of your balance when your account is new, when disputes trend toward card-network limits, or when you deliver long after the customer pays. Its own example is a 10% reserve for 90 days.
Physical goods are new on Whop. On October 20, 2026, Whop's DTC docs still described physical-product support as a work in progress, with fulfillment wired through Zapier.
Questions
Before you sign up
- How long does moving to Whop take?
- Whop says under 30 minutes for most stores, including funnels. Budget a few days for testing checkout, tax, emails and fulfillment before you move ad traffic.
- Will Whop hold my money?
- It can. Whop may hold a reserve when your account is new, when disputes trend toward card-network limits, or when you deliver long after payment. Its example is 10% for 90 days.
Ready to set up your Whop store?
Start on WhopWe earn a commission if you sign up through our Whop link. It doesn't change what you pay. Disclosure