Stakk vs Whop

Whop costs less per sale, and your money takes a different path.

The short answer

Whop costs less per sale than Stakk. Whop takes 2.7% + $0.30 on a domestic card sale, with card processing in that rate, while Stakk charges from 10% + $0.50 per sale, card processing included. Neither has a monthly fee.

The big difference is where the money goes. On Whop the sale lands in a Whop balance and you pay a fee each time you move it to your bank, while on Stakk the buyer pays into your own Stripe account.

How do Stakk and Whop compare side by side?

Facts about Whop read on its pricing page, fee documentation, seller terms, help docs and upsell guide, 22 October 2026. "Not checked yet" means we have not read it at the source yet.
WhatStakkWhop
Monthly fee$0$0. No setup fee
Fee per sale from your own linkFrom 10% + $0.50, card processing included2.7% + $0.30, card processing included. Up to $0.10 more for fraud checks. International cards add 1.5%, currency conversion 1%
Fee back when you refundNoNo. You refund the full price, and Whop keeps its fees
Order bump before payingYes, on every accountYes. A paid app can show as an add-on at checkout
One-click upsell after payingYes, on every accountYes, an offer page after checkout. Whop doesn't say if it is one click
Where the buyer's money goesYour own Stripe accountWhop's balance first
When you get paidOn Stripe's schedule. No minimum and no hold by StakkWhen you withdraw, with a fee each time: $2.50 next day ACH, 4% + $2.50 instant
Who is the legal sellerYouYou, mostly. Whop is merchant of record for payment settlement, and for sales tax if you pay 2% more
Subscriptions and membershipsNoYes, plus courses and communities
Where your files liveWhere you keep them. Stakk emails the buyer your linkYou upload them to a Files app in your whop

When is Whop the better pick?

Whop costs less than Stakk on every card sale. Pick Whop if any of these is you.

  • You want the lowest fee per sale. Whop takes 2.7% + $0.30 on a domestic card sale, card processing included. Turn on its tax, billing and payment routing add-ons and it is 6% + $0.30. That is still less than Stakk.
  • You sell subscriptions, memberships or courses. Whop sells all three and has communities built in. Stakk does none of these. It has no course player, no booking calendar and no file hosting, and every price is one-off, $1 to $999.
  • Your buyers want other ways to pay. Whop takes more than 100 payment methods and more than 135 currencies. It also offers buyer financing through partners such as Klarna and Afterpay, from 15% of the sale. On Stakk, prices are in US dollars and buyers pay by card.
  • You can't open a Stripe account where you live. Stakk pays out through Stripe only. Whop holds the sale and pays you out by bank transfer, wire, crypto or Venmo.

Who should pick Stakk over Whop?

  • You want the money in your own account. The buyer pays into your own Stripe account. Stakk never holds it, so there is nothing to withdraw. Stripe pays you on its own schedule.
  • You don't want to pay to get paid. On Whop the sale lands in a Whop balance. Moving it to your bank costs $2.50 by next day ACH, or 4% + $2.50 for an instant deposit. Whop's seller terms also let it keep back up to all of your balance as a reserve.
  • You want one fee with card processing in it. From 10% + $0.50 per sale, card processing included. It is more than Whop takes, and Stakk adds no payout fee on top.
  • You want a simple store at one link. Your store is stakk.store/yourname, your link in bio, built for phones. Buyers need no account. They give a name and an email, pay by card, and get the download by email.

Questions people ask

Is Whop cheaper than Stakk?

Yes. On a $20 domestic card sale, Whop takes $0.84, plus up to $0.10 for fraud checks, and Stakk takes $2.50, using Whop's pricing page as checked on 22 October 2026. Whop also charges a fee when you move money to your bank, such as $2.50 for a next day ACH payout.

Does Whop hold your money?

Yes. The sale lands in a Whop balance first, and you pay a fee each time you withdraw it. On Stakk the buyer pays into your own Stripe account, and Stakk never holds it.

Can I sell subscriptions on Whop or Stakk?

On Whop, yes. It sells subscriptions, memberships and courses. Stakk sells one-off digital products only, priced from $1 to $999.

Where can I read more about Whop?

Compare Stakk with other platforms

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