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Whop vs Substack fees
How Whop and Substack fees compare, using each vendor's public pricing. Best plan = highest net at that size.
50 members at $19.00/month
| Platform (best plan) | Gross | Platform plan + fees | Processing | Net / month | Data |
|---|---|---|---|---|---|
| Whop (Standard) | $950.00 | $0.00 | $40.65 | $909.35 | ✓ verified |
| Substack (Paid subscriptions) | $950.00 | $95.00 | $49.20 | $805.80 | ✓ verified |
200 members at $29.00/month
| Platform (best plan) | Gross | Platform plan + fees | Processing | Net / month | Data |
|---|---|---|---|---|---|
| Whop (Standard) | $5,800.00 | $0.00 | $216.60 | $5,583.40 | ✓ verified |
| Substack (Paid subscriptions) | $5,800.00 | $580.00 | $268.80 | $4,951.20 | ✓ verified |
1,000 members at $29.00/month
| Platform (best plan) | Gross | Platform plan + fees | Processing | Net / month | Data |
|---|---|---|---|---|---|
| Whop (Standard) | $29,000.00 | $0.00 | $1,083.00 | $27,917.00 | ✓ verified |
| Substack (Paid subscriptions) | $29,000.00 | $2,900.00 | $1,344.00 | $24,756.00 | ✓ verified |
Try your own numbers in the calculator → · Full details: Whop pricing, Substack pricing.
Whop plans
| Plan | Billed annually | Billed monthly | Platform fee | Payment processing |
|---|---|---|---|---|
| Standard | $0.00/mo ✓ verified | $0.00/mo ✓ verified | 0% ✓ verified | 2.7% + $0.30 ✓ verified |
Sources and notes
Notes
- Whop's fees are taken from docs.whop.com/fees (re-read 2026-10-18); whop.com/pricing was not used.
- Optional add-ons stack: orchestration +0.8%, billing +0.5% and tax & remittance +2% (all enabled with tax collected = 6% + $0.30). These are not included.
- International cards +1.5%, currency conversion +1%. Whop's fee page also lists fraud-protection fees of $0.03 (3D Secure) and $0.07 (Radar) per transaction; it is unclear whether they apply to every payment, so they are not included.
- Platform fee: Older sources cite a 3% platform fee, but Whop's current fee schedule lists none.
- Payment processing: US domestic cards.
Sources
- https://docs.whop.com/fees · verified 2026-10-18 · ✓ verified
Substack plans
| Plan | Billed annually | Billed monthly | Platform fee | Payment processing |
|---|---|---|---|---|
| Paid subscriptions | $0.00/mo ✓ verified | $0.00/mo ✓ verified | 10% ✓ verified | 3.6% + $0.30 ✓ verified |
Sources and notes
Notes
- Processing is Stripe's card fee (2.9% + $0.30) plus Stripe Billing (0.7%), or 3.6% + $0.30 per payment on US cards.
- Subscriptions bought in the iOS app may cost readers more to cover Apple's fees. This is not included.
- Payment processing: Stripe card fee of 2.9% + $0.30 plus 0.7% for Stripe Billing.
Sources
- https://support.substack.com/hc/en-us/articles/360037607131-How-much-does-Substack-cost · verified 2026-10-18 · ✓ verified
Frequently asked questions
Which keeps more at 50 members paying $19.00/month, Whop or Substack?
Whop (Standard) keeps about $909.35 per month, versus about $805.80 for Substack (Paid subscriptions), using the best plan of each. This follows the assumptions on the method page.
Which keeps more at 200 members paying $29.00/month, Whop or Substack?
Whop (Standard) keeps about $5,583.40 per month, versus about $4,951.20 for Substack (Paid subscriptions), using the best plan of each. This follows the assumptions on the method page.
Which keeps more at 1,000 members paying $29.00/month, Whop or Substack?
Whop (Standard) keeps about $27,917.00 per month, versus about $24,756.00 for Substack (Paid subscriptions), using the best plan of each. This follows the assumptions on the method page.