ClickBank vs Whop (2026): which should you pick?

Pick ClickBank if

• Fits if you would rather pay affiliates than run ads
• Works for digital product sellers whose margins can cover a commission

Look elsewhere if

• Skip it if your product sells cheap, as the $1 per sale is a bigger bite
• Tight if refunds hurt, since customers usually have 60 days
• Watch out: a competitor's table lists a $49.95 seller fee and a $5 payout fee that the vendor's own pages didn't confirm
• Watch out: the fee is taken before tax and shipping, then affiliate commissions come out of the rest

Pick Whop if

• Fits if you sell access to a paid community with chat and courses
• Works for developers embedding checkout and payouts in their own app, with SDKs in TypeScript, Python and Ruby

Look elsewhere if

• Pricey if you switch every option on, as the fee climbs to 6% + $0.30
• Not for you if buyers pay inside the iPhone app, as Apple takes 30% of purchases under $700
• Tight if you need cash fast, as an instant bank payout costs 4% + $2.50 each time
• Watch out: Discover products are promoted by affiliates at a default 30% commission unless you change it
• Pricey if buyers are abroad: international cards add 1.5% and currency conversion 1%

ClickBank

• The 7.5% + $1 fee is taken before tax and shipping.
• Customers usually have 60 days to request a refund; who covers it depends on RevShare or CPA terms.
• A competitor's comparison table lists a $49.95 one-time seller fee and a $5 payout fee; ClickBank's own pages read here did not confirm them.

Whop

• Optional extras stack on the 2.7% + $0.30 card fee: payment routing 0.8%, billing 0.5%, tax collection 2%, or 6% + $0.30 with all on.
• Products listed on Discover are promoted by affiliates at a default 30% commission unless you change the rate.
• Purchases under $700 made in Whop's iOS app go through Apple, which takes 30%; subscriptions and web checkout avoid that fee.
• Fast payouts cost extra: instant bank deposit 4% + $2.50, crypto 5% + $1 and Venmo 5% + $2.50 per payout.

ClickBank

Affiliate marketplace

Sellers list offers that affiliates promote; the site says over 100,000 affiliates use it and $7.5 billion in commissions has been paid.

Revenue share and CPA commissions

Sellers can pay affiliates a percentage of each sale (RevShare) or a cost-per-action amount, with refund responsibility depending on which.

Integrated payments

ClickBank is the retailer of record on its sites and handles payments, sales tax and shipping fee remittance.

Offer Studio

Ecommerce features announced for multi-SKU products, native variants, dynamic paylinks and flexible payment options.

Integrations

Its integrations page lists ad trackers, email platforms, membership plugins and Zapier for connecting other apps.

Whop

Apps for each product

Add chat, courses with quizzes, forums, events with paid tickets, file sharing, rich content pages and calendar bookings to what you sell.

Checkout and payment methods

Checkout in 195 countries and 135+ currencies with 100+ payment methods, ACH debit, and Klarna or Afterpay financing.

Discover marketplace and affiliates

List products on Whop's marketplace, where global affiliates can promote them for a default 30% commission; custom affiliates are also supported.

Payouts

Withdraw by next-day ACH, instant bank deposit, crypto, Venmo, wire or local bank transfer, each with its own fee.

Tax options

Whop handles tax on Discover sales; for direct sales it can collect tax for you, or collect and remit it in the US, EU and UK, for 2%.

Developer tools

Embeddable checkout, wallet and chat components, license keys for downloadable software, and SDKs in TypeScript, Python and Ruby.

ClickBank

• Seller account$0

  No monthly plan. ClickBank takes 7.5% + $1 of each sale, before sales tax and shipping, then the rest is split between seller and affiliate.

Whop

• Payments$0

  Per-sale pricing: 2.7% + $0.30 for domestic cards, +1.5% international, +1% currency conversion; ACH 1.5% up to $5; financing 15%.