The Whop Insider’s Guide
Everything we know about Whop in one document: what it costs, its grades, getting a refund, getting help and what else to look at. Read it here, or keep a copy.
Whop
The Insider’s Guide
Storefront, checkout and payouts for paid communities and products
Every plan, grade, refund rule and rival among tools for selling digital products, read from Whop’s own pages.
Made by Whop · checked Oct 18, 2026 · toolgpa.com
Contents
- 01WelcomeWhat it is, who it suits, its grades and the ten things to know first
- 02What it costsEvery plan, the free plan, ways to pay less and how prices have moved
- 03What it doesIts main features, where it runs, what it works with and who makes it
- 04Where it standsIts grades against its category, and whether to keep it or make your own
- 05The alternativesThe tools it is most often weighed against, side by side
- 06Quick answersThe questions people ask about it, each answered in a line or two
- 07About ToolGPAWho made this guide, what else is on the site, and how to cite it
ToolGPA put this guide together from Whop’s own pages, its app-store listings and our grades. Every fact in it is on Whop’s page too, where it is kept up to date. Checked Oct 18, 2026.
Part 01 · Overview
Welcome
What it is, who it suits, its grades and the ten things to know first
3.4
GPA, above 14 of the 14 other tools for selling digital products we grade
Whop is a platform for selling access to communities, courses, files, software and events, with a storefront, checkout, payouts and a marketplace called Discover. Sellers add apps such as chat, courses, forums, files and calendar bookings to each product, and developers can embed Whop's checkout through its API and SDKs. Fees are charged per transaction, with optional extras for billing, tax and payment routing.
To get you started, here are 8 things to know about Whop, taken from its own pages and our grades.
Building a product means picking apps such as chat or courses to add to it, rather than designing pages.
- 1
Best for selling access to paid communities
Whop sells access to communities, courses, files and software, with chat, forums and bookings you add to each product and a Discover marketplace where affiliates promote you.
- 2
It is free
Whop has no paid plan at all. No monthly fee is listed. Whop charges 2.7% + $0.30 per domestic card sale, plus 1.5% for international cards and 1% for currency conversion.
- 3
It runs on 2 platforms
Web and iOS.
- 4
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.
- 5
Checkout and payment methods
Checkout in 195 countries and 135+ currencies with 100+ payment methods, ACH debit, and Klarna or Afterpay financing.
- 6
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.
- 7
A 3.4 GPA, above 14 of 14
That is against the other tools for selling digital products we grade, on value, the free plan, features, ease of use and platforms.
- 8
Keep it
Whop is free, so making your own would save you nothing.
Whop at a glance
- Pricing
- Free
- Free plan
- Yes
- Free trial
- None stated
- Runs on
- Web, iOS
- Made by
- Whop
- Category
- Selling Digital Products
- Our grade
- 3.4 GPA, very good
- Store rating
- 4.8 on the App Store, 58,079 ratings
The report card
Best for selling access to paid communities
Whop sells access to communities, courses, files and software, with chat, forums and bookings you add to each product and a Discover marketplace where affiliates promote you. There's no monthly fee, just 2.7% + 30¢ a card sale. The catch is the extras, which stack: tax handling, faster payouts and a default 30% affiliate cut on Discover.
| Subject | Grade | Comment |
|---|---|---|
| Value for money | B | No monthly fee: 2.7% + 30¢ a domestic card sale, so $1,000 costs $27 plus 30¢ a sale, and that is the card processing, with nothing on top. Cheaper than anything else here at this size, but not an A: tax handling adds 2% and faster payouts cost extra. |
| Free plan and trial | A | Nothing to pay until you sell, with no monthly fee and no plan to upgrade to. Each sale's card fee is the only charge, and the value grade counts that. |
| Features | B | Storefront and checkout in 195 countries, plus chat, courses with quizzes, forums, paid events, files and bookings for each product, license keys, a marketplace and affiliates. It covers the whole job. |
| Ease of use | A | 4.82 from about 58,000 App Store ratings, among the best here. Building a product means picking apps such as chat or courses to add to it, rather than designing pages. |
| Platforms and integrations | B | Web and iPhone, with Klarna, Afterpay, Splitit, SeQura and Venmo, an embeddable checkout and SDKs in TypeScript, Python and Ruby. No Android or desktop app is listed. |
An A is worth 4 points, a B 3, a C 2, a D 1 and an F nothing. The GPA is the average of the five.
Who Whop is for
- Great if you sell access to a paid community with chat and courses
- Handy when you want affiliates to find you through a marketplace
- A treat if you're a developer embedding checkout and payouts in your own app
Who it is not for
- 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
Good to know
Good for
- Creators selling paid community access with courses and chat
- Sellers who want marketplace exposure through affiliates
- Developers embedding checkout and payouts in their own app
Worth knowing
- 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.
Part 02 · Pricing
What it costs
Every plan, the free plan, ways to pay less and how prices have moved
Free
No paid plan at all
Whop is free to use.
Nothing to pay until you sell, with no monthly fee and no plan to upgrade to.
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%.
The free plan
No monthly fee is listed. Whop charges 2.7% + $0.30 per domestic card sale, plus 1.5% for international cards and 1% for currency conversion.
Read from docs.whop.com on Oct 18, 2026.
Part 03 · Features
What it does
Its main features, where it runs, what it works with and who makes it
2
Places it runs: Web and iOS
Storefront, checkout and payouts for paid communities and products. Here is what it does, as its own site describes it, and what it covers: public API, online courses, community, affiliate tracking, digital downloads.
Web and iPhone, with Klarna, Afterpay, Splitit, SeQura and Venmo, an embeddable checkout and SDKs in TypeScript, Python and Ruby.
- 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.
Where it runs
- Web
- iOS
What it works with
- Klarna
- Afterpay
- Splitit
- SeQura
- Venmo
Whop is made by Whop.
Part 04 · Standing
Where it stands
Its grades against its category, and whether to keep it or make your own
14/14
Other tools for selling digital products it is graded above
Whop's GPA of 3.4 is higher than 14 of the 14 other tools for selling digital products we grade.
It stands best on ease of use (A, above 13 of 14) and worst on platforms and integrations (B, above 0).
Whop has no paid plan.
On features, ease of use and platforms it scores 3.3 out of 4, and no tool on the category's chart scores higher without costing more.
Each grade against the category
Every bar is all 15 tools for selling digital products we grade, cut by the letter each got. Whop’s own letter is outlined.
- BValue for moneyAbove 13 of 14
- AFree plan and trialAbove 7 of 14
- BFeaturesAbove 6 of 14
- AEase of useAbove 13 of 14
- BPlatforms and integrationsAbove 0 of 14
Price against what you get
Each dot is one of 14 tools for selling digital products. Further left costs less; higher up scores better on features, ease of use and platforms. Whop is the marked dot.
What paid plans start at, a month (each step along is roughly double) →
Keep it, or make your own?
Whether this is something you could build for yourself with an AI app builder, and what you would give up.
Keep it
Whop is free, so making your own would save you nothing.
And it is not the kind of software a weekend replaces. It is one of the better ones too: its GPA of 3.4 is higher than 14 of the 14 other tools for selling digital products we grade.
What you could make
- Digital downloads and online courses: an app builder makes these well.
What you could not
- A members' space with posts, chat and events that people keep coming back to.
- Every click and sale traced back to the right partner.
- A real app for iOS. Something home-made would be a web page.
- It plugs into other products, Klarna, Afterpay and Splitit among them, and has an API.
- The depth: we grade its features B, which means it covers the whole job.
What this rests on. Whop’s listing: what it does, where it runs, what it plugs into and what it costs. It is a judgement about the kind of software this is. We have not built a replacement for it, and making your own means looking after it too. How we decide, and every tool’s verdict.
Part 05 · Alternatives
The alternatives
The tools it is most often weighed against, side by side
Stan, Gumroad, Patreon, Polar and Skool
The 5 tools Whop is most often weighed against, with where each one differs from it.
- 2.4GPA
Stan
Free trial · from $29/mo
Link-in-bio store for creators selling downloads, courses and calls.
- Whop has a free plan. Stan does not, though it has a free trial.
- Stan also covers email campaigns and appointment booking.
- 2.6GPA
Gumroad
Free
Sell downloads, memberships and courses for a cut of each sale.
- Only Gumroad lists an Android app.
- Whop also covers online courses and community.
- Gumroad also covers email campaigns and merchant of record.
- 3.0GPA
Patreon
Free
Paid memberships, a shop and community for creators and their fans.
- Only Patreon lists an Android app.
- Whop also covers online courses and affiliate tracking.
- Patreon also covers paid newsletters.
- 2.6GPA
Polar
Free plan · from $20/mo
Open-source billing and merchant of record for software sellers.
- Only Whop lists an iOS app.
- Polar is open source, according to its own site.
- Whop also covers online courses, community and affiliate tracking.
- 2.4GPA
Skool
Free trial · from $9/mo
Community platform with courses, events and paid memberships.
- Whop has a free plan. Skool does not, though it has a free trial.
- Only Skool lists an Android app.
- Whop also covers affiliate tracking and digital downloads.
Part 06 · Questions
Quick answers
The questions people ask about it, each answered in a line or two
14
Questions, each answered in a line or two
The short version of everything above, for when you only need the answer. Each one is told in full in its part of the guide.
Is Whop free?
Yes. Whop is free to use.
How much does Whop cost?
Whop lists one plan. Payments: $0.
What platforms does Whop work on?
Whop is available on Web and iOS.
How is Whop rated?
Whop's iPhone and iPad app averages 4.8 out of 5 from 58,079 ratings on the App Store in the United States, as read on Oct 18, 2026.
Does Whop have an Android app?
No Android app was listed when its pages were read on Oct 18, 2026. Whop is listed for Web and iOS.
Does Whop have a Windows app?
No Windows app was listed when its pages were read on Oct 18, 2026. Whop is listed for Web and iOS.
Is Whop open source?
Whop is not described as open source on its own site, as read on Oct 18, 2026.
Does Whop have an API?
Yes. Whop offers a public API, according to its own site.
What does Whop integrate with?
Whop's listing names Klarna, Afterpay, Splitit, SeQura and Venmo. A listing names up to eight integrations, so it may connect to more.
Who makes Whop?
Whop is made by Whop.
What are the alternatives to Whop?
The closest alternatives to Whop in our directory are Stan, Gumroad, Patreon, Polar and Skool.
How does Whop compare with other tools for selling digital products?
Whop's GPA of 3.4 is higher than 14 of the 14 other tools for selling digital products we grade.
Is Whop good value for money?
ToolGPA grades Whop B for value for money. Whop has no paid plan.
Could I make my own version of Whop?
Whop is free, so making your own would save you nothing. And it is not the kind of software a weekend replaces.
Where this guide comes from
The prices, plans, platforms and features were read from Whop’s own pages on Oct 18, 2026, and the grades were given on Oct 18, 2026. Graded from this listing, whose facts were read from Whop's own pages on 18 October 2026, and its App Store rating. Not based on using the product, and shorter than our full reviews.
Every tool we list gets five grades, A to F, each with its reason, and a GPA that averages them. How each is decided is at toolgpa.com/grades. This guide is ToolGPA’s own work; it is not made, paid for or approved by Whop. Prices change, so check whop.com before you buy.
Part 07 · About
About ToolGPA
Who made this guide, what else is on the site, and how to cite it
2,281
Tools graded, in 73 categories
ToolGPA grades software the way a school report grades a pupil: five subjects, a letter for each with the reason written beside it, and a GPA that averages them. Prices, plans and platforms are read from each maker’s own pages and dated, so you always know how fresh a figure is.
ToolGPA is free to read. It may earn a commission from affiliate links and it works with sponsors, but anything paid for is labelled and no one can pay for a grade. Every tool on the site has a guide like this one, free to download and pass on. It all lives at toolgpa.com.
2,281
tools graded
73
categories
426
price changes on record
579
apps priced in 12 countries
What else is on toolgpa.com
- Whop, kept up to dateEverything in this guide, with prices and grades as they are todaytoolgpa.com/tools/whop
- How grades are givenThe rules behind every letter and every GPAtoolgpa.com/grades
- Value chartsWhat each tool costs against what it scores, for every categorytoolgpa.com/charts
- CompareAny two tools side by side, plan by plantoolgpa.com/compare
- Price changesEvery price rise and cut on record, each with its sourcetoolgpa.com/price-changes
- Prices by countryWhat apps cost on the App Store in 12 countriestoolgpa.com/prices-by-country
- Pay lessEvery public discount: yearly billing, students, nonprofitstoolgpa.com/save
- Keep or makeWhich tools are worth paying for, and which you could build yourselftoolgpa.com/keep-or-make
Scan for the live page
Prices and grades as they are today
Quoting this guide?
Please name ToolGPA and link to the live page, so readers can check the figures for themselves:
ToolGPA, "Whop: The Insider's Guide", checked Oct 18, 2026. https://toolgpa.com/tools/whop
Know someone choosing between tools for selling digital products?
Send them this guide: toolgpa.com/tools/whop/guide
ToolGPA elsewhere: youtube.com/@toolgpa
See our other guides
The best-graded tools for selling digital products after Whop, each with an Insider's Guide of its own.
- Selling Digital Products Insider's GuideEvery one of the 15 tools for selling digital products we grade, compared
- Patreon Insider's GuidePaid memberships, a shop and community for creators and their fans3.0 GPA
- Lemon Squeezy Insider's GuideMerchant of record checkout for software, subscriptions and downloads2.8 GPA
- Buy Me a Coffee Insider's GuideCreator page for tips, memberships and a simple shop2.6 GPA
Choosing software? Every tool graded, every price dated.
Compare tools at toolgpa.com ›Everything in this guide is ToolGPA’s own summary of what Whop’s pages, its app-store listings and public reviews said on the dates shown. Grades are our judgement under the rules at toolgpa.com/grades. ToolGPA uses affiliate links and may earn a commission from them, and it works with sponsors; anything paid for is labelled, and no one can pay for a grade. Whop is a trademark of its owner, and this guide is not made, paid for or approved by Whop. Prices and plans change: check whop.com before you buy.