What are the Whop fees?
Whop charges 3% platform fee plus 2.9% + 30¢ payment processing, about $6.20 on a $100 sale (roughly 6.2% all-in), with no monthly fee. International cards and currency conversion add about 2.5%, and instant payouts add 4% more. The often-quoted 3% is only the platform layer; plan around 6.2%.
Whop's Fees at a Glance
Whop charges no monthly plan. You pay only when you sell, and the fee has two layers:
| Component | Fee |
|---|---|
| Platform fee | 3% |
| Payment processing | 2.9% + 30¢ |
| Total on a $100 sale | $6.20 |
That is about 6.2% all-in on a standard domestic sale, versus Gumroad's $13.20 on the same $100. There is no listing fee and no monthly cost, so a whop that sells nothing costs nothing. The headline "3%" you see quoted is only the platform layer; the processing fee sits on top, which is why the real number to plan around is 6.2%, not 3%.
The Full Breakdown (Including the Parts People Miss)
The 6.2% is the base case. Three details move the real number:
1. The 30¢ per transaction. On a $10 sale, that flat 30¢ is another 3% on top, pushing your effective rate near 9%. Low-priced products with many small transactions pay proportionally more. High-ticket sales barely feel it.
2. International cards and currency conversion. Cross-border cards add roughly 1.5%, and currency conversion adds about 1% more. A seller with a global audience can see effective rates closer to 7% to 8% rather than 6.2%. If most of your buyers are overseas, budget for it.
3. Payout fees. Getting the money out has its own cost: next-day ACH is a flat $2.50, but instant payout is 4% + $1. Cash out instantly on every sale and you add another 4% to your total cost. See when Whop pays out for the full payout fee table.
For a deeper look, see What is Whop and how does it work.
Your Real Effective Rate
Stack the layers and here is what Whop actually costs at different price points, assuming domestic cards and cheap ACH payouts:
| Sale Price | Fee | You Keep | Effective Rate |
|---|---|---|---|
| $10 | $0.89 | $9.11 | 8.9% |
| $30 | $2.07 | $27.93 | 6.9% |
| $100 | $6.20 | $93.80 | 6.2% |
| $500 | $29.80 | $470.20 | 6.0% |
The effective rate drops as price rises, because the flat 30¢ shrinks as a share of a larger sale. This is the opposite of Gumroad's flat 10%, which hits the same percentage no matter the price. The practical takeaway: Whop rewards higher-priced products, and low-ticket, high-volume selling is where its flat fee bites hardest.
The Big Advantage: No Monthly Fee
Whop's structural edge is that it charges $0 per month. For a new seller, this means zero risk: you pay only when money comes in. Compare that to community platforms like Skool ($9 to $99/month) or Circle ($89+/month), where the plan fee hits whether you sell or not.
Whop also removed its old 30% marketplace commission in May 2025. Before that, sales that came through Whop's marketplace paid a punishing extra cut; now marketplace-sourced sales pay the same low 6.2% as sales from your own traffic. That change is what makes Whop genuinely cheap for creators relying on discovery, and it is recent enough that older reviews still quote the wrong number.
How Whop's Fees Compare
On a $100 sale, against the platforms creators actually weigh:
| Platform | Fee on $100 | Monthly |
|---|---|---|
| Whop | $6.20 | $0 |
| Gumroad | $13.20 | $0 |
| Payhip | $8.20 | $0 |
| Skool (Pro) | $3.20 | $99 |
Whop sits in the low-fee tier with no monthly cost, which is the best of both worlds for creators who sell access and want discovery. Skool's per-sale fee is lower, but only because it charges a $99 plan that Whop does not; below roughly $3,000/month in revenue, Whop's no-plan model wins overall. For that full tradeoff, see Whop vs Skool.
Model Your Real Costs Before You Sell
Knowing the fee is only half the picture; the other half is what your product will actually earn. InsightRaider tracks pricing and revenue signals across 500,000+ products and communities, including Whop, so you can model your true margin before you launch.
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- Whop Fees Documentation: platform and processing fee structure
- Whop Official Pricing: current seller pricing
How we analyzed this
- Sample size: 146,271 public Gumroad products tracked across 18 categories, covering $206M in estimated lifetime revenue.
- Revenue estimation: sales count × listed price. Validated against 30+ creators who shared actual numbers (±15–20% margin of error).
- Data window: 2024-01 to . Refreshed monthly.
- Exclusions:inactive products (no sales in 90 days), spam/test products (< 1 review or price = $0).
Limitations
- Revenue figures are estimates, not reported sales. Creators may use unlisted links or off-platform fulfillment that don’t appear in public data.
- Our dataset covers activeproducts only. Creators who quietly stopped selling don’t skew medians upward here, so real-world failure rates may be higher than reported.
- Category medians can vary ±15% depending on sampling period and seasonality. Always treat single data points as directional, not absolute.
Cite this
InsightRaider. (2026). What are the Whop fees?. insightraider.com. Retrieved July 12, 2026. https://insightraider.com/en/answers/what-are-the-whop-fees
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