What are the Whop fees?

Whop charges no monthly plan and no platform fee. You pay only card processing when you sell:

That is 3.0% all-in on a standard domestic sale, versus Gumroad's $13.70 on the same $100. There is no listing fee and no monthly cost, so a whop that sells nothing costs nothing. Older reviews still describe a 3% platform fee stacked on 2.9% + 30¢ processing. Whop's current pricing lists no platform fee at all, only the 2.7% + 30¢ card rate.

The $3.00 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 to 5.7%. Low-priced products with many small transactions pay proportionally more. High-ticket sales barely feel it.

2. International cards and currency conversion. International cards add 1.5%, and currency conversion adds 1% more. A $100 sale on an international card costs $4.50, and $5.50 when the currency is converted too. 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.

Here is what Whop actually costs at different price points, assuming domestic cards and cheap ACH payouts:

The effective rate drops as price rises, because the flat 30¢ shrinks as a share of a larger sale. Gumroad's 10% + $0.50 behaves the same way: its fixed component also shrinks as a share of a larger sale. The practical takeaway: Whop rewards higher-priced products, and low-ticket, high-volume selling is where its flat fee bites hardest.

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 2.7% + 30¢ card rate 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.

On a $100 sale, against the platforms creators actually weigh:

Whop has the lowest per-sale cost in this group and no monthly cost, which is the best of both worlds for creators who sell access and want discovery. Skool Pro charges a similar $3.20 per $100 payment but adds a $99 plan, so on domestic cards Whop stays cheaper at every revenue level. Only a mostly international audience changes that: at $4.50 per $100 on international cards, and assuming Skool's 2.9% + 30¢ applies to every payment, Skool Pro catches up above roughly $7,600/month. For that full tradeoff, see Whop vs Skool.

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.

$49/month.