Skool vs Whop: Fees, Payouts and What You Keep

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Short answer

Skool charges a monthly plan ($9 Hobby or $99 Pro) plus 10% + USD 0.30 or 2.9% + USD 0.30 per payment, with processing, VAT and sales tax handled. Whop's fees page lists card processing at 2.7% + USD 0.30 for domestic cards (+1.5% international, +1% currency conversion), optional billing (0.5%) and tax (2%) add-ons, a $0.07 fraud-screening fee per transaction and payout fees from $2.50. At $3,000 a month from 100 members, published fees leave about $2,880 on Whop's base rates and $2,784 on Skool Pro.

By Kabir NorthUpdated Prices checked
On this page 5 sections
  1. At a glance
  2. What you keep at $3,000 a month
  3. How the fees work
  4. Who each fits, based on published features and pricing
  5. What this page doesn’t cover

At a glance

Skool vs Whop at a glance. Prices checked 23 Oct 2026.

Skool Hobby

USD 9/mo

Monthly plan fee
Hobby $9, Pro $99
Per-payment fee
Hobby 10% + USD 0.30; Pro 2.9% + USD 0.30 (3.9% above $900), processing included
Optional add-ons
None listed
Fraud and disputes
Not itemised
Payouts
Yes (Weekly (Wednesdays) in local currency)
Sales tax / VAT
Yes (Merchant of record; included)
Payment methods
Cards via Skool's checkout
Community and courses
Yes (Community feed, classroom, calendar, gamification)
Free trial
Yes (14 days)
Visit Skool (opens in new tab)

Skool Pro

USD 99/mo

Monthly plan fee
Hobby $9, Pro $99
Per-payment fee
Hobby 10% + USD 0.30; Pro 2.9% + USD 0.30 (3.9% above $900), processing included
Optional add-ons
None listed
Fraud and disputes
Not itemised
Payouts
Yes (Weekly (Wednesdays) in local currency)
Sales tax / VAT
Yes (Merchant of record; included)
Payment methods
Cards via Skool's checkout
Community and courses
Yes (Community feed, classroom, calendar, gamification)
Free trial
Yes (14 days)
Visit Skool (opens in new tab)

Whop Pay as you go

USD 0/mo

Monthly plan fee
None: "no setup fees, no monthly costs"
Per-payment fee
2.7% + USD 0.30 domestic cards; +1.5% international; +1% currency conversion
Optional add-ons
Billing 0.5%, payment orchestration 0.8%, tax and remittance 2% (when enabled)
Fraud and disputes
Radar $0.07 and 3DS $0.03 per transaction; $15 per dispute
Payouts
Next-day ACH $2.50; instant 4% + $2.50; crypto 5% + $1; wire $23; 200+ countries
Sales tax / VAT
Partial (Tax and remittance add-on, 2% when enabled)
Payment methods
Yes (100+ methods, ACH debit (1.5%, max $5), financing (Klarna))
Community and courses
Not covered on the fees page; see Whop's product pages
Free trial
No plan to trial; fees apply per transaction
Visit Whop (opens in new tab)

Last checked 23 Oct 2026 · Prices from skool.com/pricing, Skool’s payments FAQ and Whop’s pricing, fees and changelog pages

What you keep at $3,000 a month

Example: 100 members paying $30 a month, US cards, one payout a month.

  • Whop, base rates: 100 × ($0.81 + $0.30 + $0.07 Radar) + $2.50 next-day ACH payout = $120.50. You keep $2,879.50.
  • Whop, with billing (0.5%) and tax (2%) add-ons on: add $75, so $195.50. You keep $2,804.50.
  • Skool Pro: $99 + 100 × ($0.87 + $0.30) = $216. You keep $2,784.
  • Skool Hobby: $9 + 100 × ($3.00 + $0.30) = $339. You keep $2,661.

Not included: Whop’s 3DS fee ($0.03 when used), international-card and currency-conversion surcharges, and disputes; Skool’s Growth Boost cut on members it brings. Whop lists billing (0.5%) and tax and remittance (2%) as charged “when enabled”; neither page says billing is required for recurring memberships, so both totals are shown.

How the fees work

Whop (fees): card processing is 2.7% + USD 0.30 for domestic cards, +1.5% for international cards and +1% if currency conversion applies. Add-ons stack on top when enabled: orchestration 0.8%, billing 0.5%, and tax and remittance 2%. With everything enabled and tax collected, Whop’s own example comes to 6% + USD 0.30. Payouts cost $2.50 for next-day ACH, 4% + $2.50 for instant bank deposit, 5% + $1 for crypto, 5% + $2.50 for Venmo and $23 for a wire.

Skool (payments FAQ): Hobby is $9 a month with 10% + USD 0.30 per payment; Pro is $99 a month with 2.9% + USD 0.30 up to $899 and 3.9% + USD 0.30 above $900. Processing is included, Skool is merchant of record for VAT and sales tax, and payouts go out every Wednesday.

Who each fits, based on published features and pricing

This is a reading of each vendor’s published plans and prices, not a tested recommendation. Neither product has been tested hands-on for this page.

  • Whop’s published pricing fits sellers who want no monthly fee, pay-as-you-go rates, many payment methods or crypto payouts, and who can handle or pay extra for sales tax.
  • Skool’s published pricing fits creators who want a community and course platform with processing, VAT and sales tax included in one fee and a simple weekly payout.

What this page doesn’t cover

It compares fees from official pages only. Whop’s community and course features aren’t compared here. It doesn’t rate engagement, discovery or support. For Skool’s plans in detail, see Skool pricing.

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See Whop pricing (opens in new tab)

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Frequently asked questions

Is Whop cheaper than Skool?

On published per-payment rates, Whop's base card rate (2.7% + USD 0.30) is lower than Skool Pro's 2.9% + USD 0.30 and has no monthly plan fee. But Whop's tax handling (2%), billing (0.5%), international cards (+1.5%) and payout fees are extra, while Skool's fee covers processing and sales tax.

What fees does Whop charge?

Whop's fees page lists 2.7% + USD 0.30 for domestic card payments, +1.5% for international cards, +1% for currency conversion, optional add-ons (billing 0.5%, orchestration 0.8%, tax and remittance 2%), $0.07 Radar and $0.03 3DS per transaction, $15 per dispute and payout fees from $2.50.

Does Whop take a cut of marketplace (Discover) sales?

Not any more. Whop's changelog says the 30% fee it used to charge on sales found through Discover was removed, and it now charges 0% on marketplace sales. Normal processing fees still apply. On Discover sales, Whop handles sales tax in the jurisdictions its registrations cover.

Does Skool charge payout fees?

Skool's payments FAQ describes weekly payouts every Wednesday in your local currency and doesn't list a separate payout fee; its transaction fee includes processing.

Who handles sales tax and VAT?

Skool acts as merchant of record and handles VAT and sales tax. On Whop, tax calculation, collection and remittance is an add-on at 2% per transaction when enabled and tax is collected.

Can I get paid outside the US?

Skool lists supported payout countries, including India, and pays in local currency. Whop says it pays out to 200+ countries, with local bank transfer fees varying by country.