Whop is a platform for selling access online. You create a "whop", which is your business hub, add products with a price, and plug in apps such as courses, chat rooms, forums or file sharing. Buyers pay through Whop's checkout and get access to what you sell.

It concerns creators, coaches, community owners, trading and software groups, and more and more service and physical product sellers. If you sell a paid group, a course with a chat, or access to a tool, and you want a marketplace that can list your offer, Whop is a name you will come across.

What is Whop?

Whop combines three things: a payment and checkout system, a set of apps that deliver what buyers pay for, and a public marketplace where people discover offers.

According to Whop's own pages, sellers use it for:

  • Coaching and courses, delivered with the Courses app (lessons with multimedia, PDFs and quizzes).
  • Paid groups and communities, with Chat, Forums, Livestreaming and Content apps.
  • Software and platforms, with access passes and developer tools.
  • Services, events and physical products.

The main building blocks are:

  • The whop: your hub, where members land after paying.
  • Products and plans: what buyers pay for, one-time or recurring.
  • Apps: added from an app store for free and removed at any time. Chat, Courses, Livestreaming, Forums and Files are among the most used.
  • Checkout: checkout links or an embedded checkout, with buy-now-pay-later and more than 100 local payment methods.
  • Marketplace: you can list products on Whop's marketplace, which is free to list.
  • Affiliates: other people promote your product and earn a commission.
  • APIs and embeddable components for developers.

Whop is not a classic website builder or online store theme. Your buyers experience your business inside Whop's interface. It is also often compared with a membership site tool, since recurring access is one of its main uses.

Why it matters

Whop changes the cost model. Instead of a monthly subscription, you pay per transaction. At the time of writing (September 2026), Whop's fee page lists 2.7% + $0.30 per successful domestic card transaction, +1.5% for international cards and +1% when currency conversion applies. It does not list a monthly fee. Other fees depend on what you use: $15 per dispute, 15% on buy-now-pay-later transactions through financing partners, 2% per transaction if you enable tax collection and remittance, 1.25% on affiliate processing, and payout fees such as $2.50 for a next-day ACH payout or $23 for a bank wire.

A worked example: a trading education group at $49 a month with 100 members.

  • Revenue is $4,900 a month.
  • 70 members pay with domestic cards: 70 × ($1.32 + $0.30) is about $114.
  • 30 members pay with international cards: 30 × ($2.06 + $0.30) is about $71.
  • Four next-day ACH payouts a month add $10.
  • Total fees are about $195, or 4% of revenue, before any tax, currency or affiliate fees.

With no subscription, a small seller pays nothing when nothing sells. A large seller should compare the percentage with flat-fee tools.

How it works

A typical setup on Whop:

  • Create your whop. Name it, add a description and branding.
  • Add products. Set a price, choose one-time or recurring billing, and decide what each product unlocks.
  • Add apps. Pick Courses for lessons, Chat for a group room, Forums for discussions, Files for downloads or Livestreaming for live sessions. Choose which products give access to each app.
  • Set up payouts. Choose how you want to withdraw: bank transfer, instant deposit and other methods, each with its own fee.
  • Share the checkout link. Post it on social media, or embed the checkout on your own site.
  • List on the marketplace if it fits. Buyers browsing Whop can find your product, with ratings and reviews.
  • Recruit affiliates. Let members or partners promote your product for a commission.

After that, the work is delivery: posting content, answering in chat, running streams and keeping members active.

Benchmarks and examples

Common setups on Whop:

  • A sports analytics creator sells a $30 a month group with daily picks in a chat app and a forum for discussion.
  • A video editor sells a $99 course with the Courses app and a chat for students.
  • A software developer sells license access to a desktop tool, with updates shared through the Files app.
  • A fitness coach sells a $199 twelve-week program with lessons, a group chat and weekly livestreams.

For planning, count on total payment costs of roughly 3% to 5% of revenue depending on your mix of domestic and international buyers, plus payout fees. Add the specific fees for any option you turn on.

Common mistakes

  • Only counting the headline rate. International cards, currency conversion, payouts, disputes and optional features add up.
  • Relying on the marketplace alone. Listing is free, but most sales still come from your own audience and content.
  • Adding every app. Five empty apps look worse than one active chat. Start with what you can run every day.
  • Promising results you cannot show. Trading, betting and income offers attract scrutiny. Keep claims factual.
  • Leaving tax to chance. Decide whether you handle sales tax and VAT yourself or enable Whop's tax option, and understand the cost of each.

Best practices

  • Model your real fees. Use your buyer mix, payout method and chosen options, not the base rate.
  • Offer a yearly plan. Fewer charges mean fewer fixed fees and fewer failed payments.
  • Choose a cheaper payout rhythm. Weekly next-day ACH costs less than several instant payouts.
  • Set clear access rules. Map each product to the apps it unlocks, so buyers know what they get.
  • Write a clear refund policy. Disputes cost $15 each, and a clear policy reduces them.
  • Build an email list outside the platform. Keep a direct line to your buyers.

In Roctify

Roctify takes a different approach to cost: a monthly plan with 0% transaction fees on every plan, including the free one, so only Stripe's or PayPal's processing fee applies. It is store-first: a link-in-bio page with built-in checkout and a full online store sharing one catalog, with physical products, digital products, courses and downloads delivered automatically after payment, and cash on delivery as an option.

Whop covers things Roctify does not. Recurring memberships and communities are on the Roctify roadmap, not shipped. Roctify has no chat, forums or livestreaming, no marketplace that lists your products, no affiliate management and no public API. If your business is paid access to a live group, Whop does something Roctify does not do today.

FAQ

Does Whop charge a monthly fee?

Whop's fee page does not list a monthly subscription. At the time of writing (September 2026), it charges 2.7% + $0.30 per successful domestic card transaction, with extra fees for international cards, currency conversion, payouts and optional features.

What can you sell on Whop?

Whop lists coaching and courses, paid communities, software, services, events and physical products. Delivery happens through apps such as Courses, Chat, Forums, Files and Livestreaming.

Is it free to list on the Whop marketplace?

Whop states that listing on its marketplace is free. Check the current terms for any fee that applies to sales made through the marketplace before you rely on it.