# Whop Fees Explained: 2.7% + 30¢ Plus Add-Ons (2026)

> Whop charges 2.7% + 30¢, then up to 3.3% more for billing, tax and routing, plus international and conversion fees. A real $2,500 sale, broken down.

Source: https://agentaos.ai/answers/whop-fees (canonical HTML page). Publisher: AgentaOS (Aristokrates OÜ, Estonia).

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Fees compared

# What does Whop really charge? Whop fees explained

**The problem**“Whop says 2.7%. My \$2,500 retainer paid out \$2,289. Where did the rest go?”

**2.7% + \$0.30 is only the base.** Whop adds 1.5% for international cards and 1% for currency conversion, then optional fees that stack: 0.8% orchestration, 0.5% billing and 2% tax service. On a real \$2,500 retainer, seven separate fees took \$210.37, about 8.4% of the price. All-in, a first year at €2,000 a month is about €2,097, time included.

Reviewed by [Panche Isajeski](https://agentaos.ai/about), founder of AgentaOS, 19+ years in payments, [featured on Indie Hackers](https://www.indiehackers.com/post/tech/starting-from-scratch-and-hitting-9-5k-mrr-in-two-months-j5pMaED5FEbKw8qmeyj9). Checked 6 October 2026. General information, not financial, tax or legal advice.

[Work out what you keep on a sale: fee calculator](https://agentaos.ai/compare)

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A real payout

## Where did *\$210* go?

| \$2,500 retainer + \$500 sales tax | Whop           |
|------------------------------------|----------------|
| Payment processing (2.7%)          | \$81.00        |
| Tax service (2%)                   | \$60.00        |
| Currency conversion (1%)           | \$30.00        |
| Orchestration (0.8%)               | \$24.00        |
| Billing (0.5%)                     | \$15.00        |
| Fixed card fee                     | \$0.30         |
| Radar fraud fee                    | \$0.07         |
| **Total fees**                     | **\$210.37**   |
| **Net to the seller**              | **\$2,289.63** |

A payout breakdown a seller shared publicly on X ([screenshot](https://pbs.twimg.com/media/HT4S4MKWcAEBmom?format=png&name=900x900)). Percentages are charged on the \$3,000 the customer paid, tax included.

All the fees

## What are *all* of Whop’s fees?

| Fee                           | Whop              |
|-------------------------------|-------------------|
| Card processing               | 2.7% + \$0.30     |
| International cards           | +1.5%             |
| Currency conversion           | +1%               |
| Orchestration (optional)      | 0.8%              |
| Billing (optional)            | 0.5%              |
| Tax and remittance (optional) | 2%                |
| Fraud detection               | \$0.07            |
| Dispute                       | \$15              |
| Standard payout               | \$2.50 per payout |

Source: [Whop fees docs](https://docs.whop.com/payments-and-billing/fees/fees), checked 7 October 2026.

> “choosing one of Whop’s managed tax options doesn’t, by itself, remove your own tax obligations”
>
> Source: [Whop docs, Taxes](https://docs.whop.com/payments-and-billing/fees/taxes)

All-in, first year

## What does Whop cost *all-in*?

| First year, all-in | Whop | AgentaOS | Stripe + new US company |
|----|----|----|----|
| Card and payout fees | €1,632 | €1,725 | €1,110 |
| Subscription billing | Included | Included | €168 |
| Tax registration and filing abroad | Included | Included | €1,080 |
| Company and accountant | Not needed | Not needed | €1,799 |
| Your time | 15.5h · €465 | 9.5h · €285 | 60h · €1,800 |
| **Total first year** | **€2,097** | **€2,010** | **€5,957** |

First year, selling €2,000 a month (€50 average, half the buyers abroad, subscriptions). Your time (setup, invoicing, tax and bookkeeping each month) valued at €30 an hour. Sources: each provider’s pricing page; company and accountant costs from Stripe Atlas, the State of Delaware, e-resident.gov.ee and enty.io, as on [our cost calculator](https://agentaos.ai/compare). Your own tax obligations remain with Whop’s tax options.

**Honestly:** with billing and tax switched on, Whop and AgentaOS land close in the first year. The difference is responsibility: with AgentaOS we are the legal seller; with Whop’s tax options, your own tax obligations remain, and the extra hour a month in the table is our estimate of keeping on top of them.

Before you choose

## What do people *miss*?

- **Reading only the base rate**Each add-on is small; together they more than doubled the base rate in the payout above.
- **Assuming tax is fully handled**On direct sales you choose a tax option, and your own nexus and filings stay yours.

Where AgentaOS fits

## Where does *AgentaOS* fit?

Selling retainers or service packages worldwide? [Card payments for services](https://agentaos.ai/answers/take-card-payments-for-services), with one fee and the official seller handled.

Change how you sell. Grow revenue 4×.

Answer 3 questions and get a free audit of your price and checkout, from the founder. Free, in 2 working days.

[Get my free audit →](https://agentaos.ai/apply?src=seo-answers-whop-fees)

Questions

## Related *questions*

### Is Whop a Merchant of Record?

For Discover marketplace sales it handles tax in covered places; for direct sales you pick a tax option and keep your own obligations.

### Does Whop allow services?

Yes; the payout above is a monthly video retainer.

Free pricing review

## Know what to charge *before you launch*

Paste your product or store link. Pricing Intelligence tells you what to charge and how to package it. Free, no card.

€0 account, no cardSell as an individual or a company

Keep reading

## Related

[How do I take card payments for coaching, consulting or design?](https://agentaos.ai/answers/take-card-payments-for-services)[What does Stripe really cost? Stripe fees explained](https://agentaos.ai/answers/stripe-fees)[What does Creem charge? Creem fees explained](https://agentaos.ai/answers/creem-fees)

Sources: [Whop fees docs](https://docs.whop.com/payments-and-billing/fees/fees) · [Whop taxes docs](https://docs.whop.com/payments-and-billing/fees/taxes) · [Seller payout breakdown on X](https://pbs.twimg.com/media/HT4S4MKWcAEBmom?format=png&name=900x900)

## Merchant of Record directory

Every provider’s fees, read on its own price page. Pick one, or see them all in one table.

- [All side by side](https://agentaos.ai/merchant-of-record-fees)
- [Supported countries](https://agentaos.ai/answers/which-merchant-of-record-pays-out-to-my-country)
- [Paddle 5% + \$0.50](https://agentaos.ai/answers/paddle-fees)
- [Lemon Squeezy 5% + \$0.50](https://agentaos.ai/answers/lemon-squeezy-fees)
- [Polar from 5% + \$0.50](https://agentaos.ai/answers/polar-fees)
- [Dodo Payments 4% + \$0.40](https://agentaos.ai/answers/dodo-payments-fees)
- [Creem 3.9% + \$0.40](https://agentaos.ai/answers/creem-fees)
- [Gumroad 10% + \$0.50](https://agentaos.ai/answers/gumroad-fees)
- [Whop from 2.7% + \$0.30](https://agentaos.ai/answers/whop-fees)
- [Stripe 2.9% + \$0.30, not a MoR](https://agentaos.ai/answers/stripe-fees)