specification: API Commons Plans
specificationVersion: '0.1'
schema: https://raw.githubusercontent.com/api-evangelist/interface-research/main/schema/api-commons.yml#/$defs/Plans
provider: Whop
providerId: whop
created: '2026-07-05'
modified: '2026-07-05'
reconciled: true
tags:
- Memberships
- Payments
- Creator Economy
- Marketplace
- Plans
description: >-
  Whop is free to start; there is no monthly platform subscription for the
  core seller product. Whop instead earns transaction-based fees on payments
  processed through the platform, plus payout, fraud, and optional
  revenue-optimization fees. The numbers below are transaction fees a seller
  pays Whop, not a subscription price for API access - the API itself is
  included with a Whop account and gated by API keys.
notes: >-
  Fees are grounded against Whop's published fee schedule at
  https://docs.whop.com/fees as of 2026-07-05; verify current values on
  reconciliation. "Platform" gating fees for automated Discord/Telegram
  community sales are widely reported at ~3% but are not itemized on the fees
  page and are left out of the itemized entries below.
sources:
- https://docs.whop.com/fees
- https://whop.com/network/pricing/
- https://docs.whop.com/developer/api/getting-started
plans:
- id: whop-transaction-fees
  name: Transaction Fees (Payment Processing)
  type: usage
  description: >-
    Per-transaction payment processing fees charged by Whop on successful
    sales. There is no monthly fee to use Whop or its API.
  entries:
  - label: Domestic card
    name: card_domestic
    type: usage
    metric: transactions
    limit: -1
    timeFrame: month
    geo: global
    unit: 1
    price: 2.7% + $0.30 per successful transaction
    userMultiplied: false
  - label: International card surcharge
    name: card_international
    type: usage
    metric: transactions
    limit: -1
    timeFrame: month
    geo: global
    unit: 1
    price: additional 1.5% per transaction
    userMultiplied: false
  - label: Currency conversion
    name: currency_conversion
    type: usage
    metric: transactions
    limit: -1
    timeFrame: month
    geo: global
    unit: 1
    price: additional 1% when conversion is required
    userMultiplied: false
  - label: ACH debit
    name: ach_debit
    type: usage
    metric: transactions
    limit: -1
    timeFrame: month
    geo: global
    unit: 1
    price: 1.5% (max $5) per successful ACH debit
    userMultiplied: false
  - label: Financing
    name: financing
    type: usage
    metric: transactions
    limit: -1
    timeFrame: month
    geo: global
    unit: 1
    price: 15% per successful financed transaction
    userMultiplied: false
  elements:
  - name: Payments API
  - name: Checkout Configurations
- id: whop-payout-fees
  name: Payout Fees
  type: usage
  description: Fees charged when withdrawing / paying out balances.
  entries:
  - label: Next-day ACH payout
    name: payout_ach
    type: usage
    metric: payouts
    limit: -1
    timeFrame: month
    geo: global
    unit: 1
    price: $2.50 per successful payout
    userMultiplied: false
  - label: Instant bank deposit (RTP)
    name: payout_rtp
    type: usage
    metric: payouts
    limit: -1
    timeFrame: month
    geo: global
    unit: 1
    price: 4% + $1.00 per successful payout
    userMultiplied: false
  - label: Crypto payout
    name: payout_crypto
    type: usage
    metric: payouts
    limit: -1
    timeFrame: month
    geo: global
    unit: 1
    price: 5% + $1.00 per successful payout
    userMultiplied: false
  - label: Bank wire
    name: payout_wire
    type: usage
    metric: payouts
    limit: -1
    timeFrame: month
    geo: global
    unit: 1
    price: $23.00 per successful payout
    userMultiplied: false
  elements:
  - name: Transfers API
- id: whop-risk-and-optimization-fees
  name: Fraud, Disputes, and Revenue Optimization
  type: usage
  description: Optional and event-driven fees for fraud tooling, disputes, and revenue optimization.
  entries:
  - label: 3DS
    name: fee_3ds
    type: usage
    metric: transactions
    limit: -1
    timeFrame: month
    geo: global
    unit: 1
    price: $0.03 per transaction
    userMultiplied: false
  - label: Radar (fraud)
    name: fee_radar
    type: usage
    metric: transactions
    limit: -1
    timeFrame: month
    geo: global
    unit: 1
    price: $0.07 per transaction
    userMultiplied: false
  - label: Dispute
    name: fee_dispute
    type: usage
    metric: disputes
    limit: -1
    timeFrame: month
    geo: global
    unit: 1
    price: $15.00 per dispute
    userMultiplied: false
  - label: Early dispute alert
    name: fee_dispute_alert
    type: usage
    metric: alerts
    limit: -1
    timeFrame: month
    geo: global
    unit: 1
    price: $29.00 per alert
    userMultiplied: false
  - label: Tax and remittance
    name: fee_tax
    type: usage
    metric: transactions
    limit: -1
    timeFrame: month
    geo: global
    unit: 1
    price: 2% per transaction when tax is collected
    userMultiplied: false
  - label: Affiliate processing
    name: fee_affiliate
    type: usage
    metric: transactions
    limit: -1
    timeFrame: month
    geo: global
    unit: 1
    price: 1.25% per transaction
    userMultiplied: false
  elements:
  - name: Disputes API
  - name: Affiliates API
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com