How to charge for a trading Discord without the cut

Access to a trading room is priced high — $50 to $200 a month is ordinary — and that is exactly where a platform percentage hurts most, because the cut grows with the price. At $200 a month a percentage platform keeps $11.70 to $11.80 of every single payment. flatpass charges a flat monthly fee, takes 0% of your sales, and settles into your own Stripe account.

Competitor rates as published — Whop and Discord August 3, 2026, Upgrade.chat September 16, 2026.

Create your invite page

0% of sales, every plan
Free to 15 paying members
Your own Stripe account

What a $100/month membership costs you, all in

Discord Server Subscriptions6% of its own processing, then a 10% platform fee on what's left−$15.40

LaunchPass3.5% + Stripe · $29/mo per community−$6.70

Whop3% on Discord-gated sales + its own processing−$6.00

flatpassStripe only, on your account · flat tiers from $0/mo, 0% of sales−$3.20

Card processing included. Discord and Whop process their own, so those rates follow them. flatpass and LaunchPass sales are charged on your own Stripe account, so that half is your country’s Stripe rate — shown here at the US 2.9% + $0.30, and lower in the EEA. flatpass’s monthly tier is on top: free up to 15 paid members, then $29 on Starter. At a $100 membership, that means free below 16 members and cheaper from there on. At smaller membership prices there’s a stretch in between where a percentage costs less: breakeven is about $1,036/month in sales on Starter and $1,036 on Growth.

The higher you price, the more a percentage costs

A cut is charged on the price. A flat fee is not. On a trading membership that difference is most of the bill.

The short version

Because a percentage is charged on the price, and trading access is priced high. At $200 a month a platform taking 5.9% keeps $11.80 of every member's payment, every month, and one taking Whop's all-in 5.7% keeps $11.70. Discord's own subscriptions keep $30.80. flatpass takes none of the payment at any price — you pay a flat monthly fee instead, and it does not move when you raise your price. A flat fee has to be paid before it earns its keep, so it is not the cheaper option at every size. Past the free plan's 15 members a percentage still costs less until you are doing about $1,036 a month in sales — at $50 a month that is a gap between 16 and about 20 paying members. Above about $65 a month per member there is no gap at all, because 15 members already clear it. At $100 a month with 80 paying members — about $8,000 a month in sales — your whole bill on flatpass is $285 a month, card processing included. The cheapest of the percentage platforms at that size is $480. The gap is $195 a month, and it widens every time you add a member or raise a price, because their bill is a percentage of a number that is growing and ours is not.

$50/mo member · a percentage keeps $2.95 to $3.15$100/mo member · a percentage keeps $5.90 to $6.00$200/mo member · a percentage keeps $11.70 to $11.80flatpass keeps $0.00 at every price

Your price is the thing a percentage punishes

A platform cut scales with what you charge. On a $200 membership, 5.9% is $11.80 out of every payment and Whop's all-in 5.7% is $11.70 — each month, from each member. A flat monthly fee is the same number whether you charge $50 or $200, so raising your price raises your income and nothing else.

Stripe Connect Standard — you onboardYou are the merchant of recordNo platform balance to withdraw from

Money lands in your own Stripe

Your own Stripe account, through Stripe Connect Standard. You complete the onboarding on Stripe's own screens, you are the merchant of record, member payments settle directly to you rather than into a platform balance you withdraw from, and you keep your customer list and payment history if you leave. flatpass never sees a card and never holds your money.

Signals · Mentorship · whatever you sellMonthly, quarterly, six-monthly, yearlyFree tiers don't count toward 15

Tiers, trials and billing periods

Yes. You can run as many paid roles per server as you want — a signals tier and a mentorship tier at different prices, or monthly against quarterly, six-monthly and yearly on the same role, with the member choosing at checkout. Free tiers are supported too, and members on a free tier never count toward the 15-member cap.

What does each platform take from a $200 membership?

And from a $50 one, and from your whole month. Move the slider to your own numbers.

Your membership price	flatpass	Upgrade.chat	Whop	Discord subscriptions
$50a month, per member	$0.000% of the payment	$2.955.9%	$3.155.7% + $0.30	$7.7015.4%
$100a month, per member	$0.000% of the payment	$5.905.9%	$6.005.7% + $0.30	$15.4015.4%
$200a month, per member	$0.000% of the payment	$11.805.9%	$11.705.7% + $0.30	$30.8015.4%

What the platform keeps from one member's payment each month. Whop and Discord process their own cards, so their figures include that; with flatpass and Upgrade.chat the card is processed on your own Stripe account at your own rate, 2.9% + $0.30 at the US rate modelled here, which is the same on both sides and left out of both columns. flatpass's own monthly fee is separate and does not change with your price — the table below has it in full.

Your paid members

Your average membership price

Discord

$924

15.4% of every sale · US sellers only

Whop

$360

3% + its own processing

flatpass — Starter

$221

your tier + Stripe, 0% of sales

You save vs Whop $139/mo

Complete bill — each platform’s card processing included at its own rate; Stripe’s US rate on ours. 60 paid members at $100 is about $6,000/month in sales.

Paying members	flatpass	Upgrade.chat	Whop	You save
15$1,500 a month in sales	$48Free plan + Stripe	$137a month	$90a month	$42against the cheaper of the two
30$3,000 a month in sales	$125Starter plan + Stripe	$262a month	$180a month	$55against the cheaper of the two
80$8,000 a month in sales	$285Starter plan + Stripe	$617a month	$480a month	$195against the cheaper of the two
200$20,000 a month in sales	$719Growth plan + Stripe	$1,419a month	$1,200a month	$481against the cheaper of the two

Complete monthly bills at $100 a month per member, card processing included on every side at each platform's own rate — which is why the flatpass column is not $0 on the free plan: that figure is Stripe's, on your own account, and you would pay it on any platform that settles to you. flatpass meters paying members, summed across every server you run; the free plan covers 15 of them and still takes 0% of the sale. Upgrade.chat's figure is the cheapest of its plans available at that size.

Sources · verified August 3, 2026

Whop's platform fee and card processing per whop.com/network/pricing, August 3, 2026. Discord's Server Subscriptions per its Monetization Terms — a 10% platform fee charged on the sale after its own 6% processing, which is 15.4% of the gross rather than the 16% adding them gives. Upgrade.chat's plans per upgrade.chat/pricing, September 16, 2026. Every platform's rates with its own date: the fee dataset. flatpass's own plans are on pricing.

What your members actually see

The Discord invite screen they already know, on your server's own colour — not a storefront with somebody else's brand across the top.

You've been invited to join

Chef Society

Monitors, early links, and release guides for sneaker drops.

1,204 online
4,318 members

MonthlyAnnual−20%

RecommendedAll AccessEvery monitor, early links, and the release guides.$45/moMonitorsRestock and price-error alerts. No group chat.$15/mo

Join Chef Society

Renews monthly until cancelled

Payments are securely processed by

A live preview, not a screenshot — this is the component your members get

Common questions

Why does a percentage cost more on a trading server?

What would I actually pay?

At $100 a month with 80 paying members — about $8,000 a month in sales — your whole bill on flatpass is $285 a month, card processing included. The cheapest of the percentage platforms at that size is $480. The gap is $195 a month, and it widens every time you add a member or raise a price, because their bill is a percentage of a number that is growing and ours is not. The size-by-size table is above, and every platform's published rates, each with its own date, are on the fee dataset.

What if I only have a handful of paying members?

Then flatpass is free. Up to 15 paying members costs nothing, with every feature and no card, and we still take 0% of what those members pay. A percentage platform charges from the first sale: at $100 a month, 15 members is $88.50 a month gone on one platform and $90.00 on another, before you have proven the room works.

Is flatpass always the cheaper option?

A flat fee has to be paid before it earns its keep, so it is not the cheaper option at every size. Past the free plan's 15 members a percentage still costs less until you are doing about $1,036 a month in sales — at $50 a month that is a gap between 16 and about 20 paying members. Above about $65 a month per member there is no gap at all, because 15 members already clear it.

Who holds the money?

Can I run more than one paid tier?

What happens when someone cancels or a card fails?

The role is granted within seconds of a successful payment and removed when the subscription ends, so nobody keeps access they stopped paying for and no moderator has to check a list. A failed renewal is treated differently from a cancellation: the role stays while Stripe retries the card and the member gets an email to update it, so an expired card does not quietly cost you a member.

Live this afternoon

Nothing to migrate, and nobody loses access while you set it up.

flatpass bot · OnlineStripe · Connected

Step 1 · ~10 min

Add the bot and connect Stripe

Install flatpass, pick your country, and finish the authorization on Stripe's own onboarding screens. Live-mode onboarding wants photo ID and bank details — that is Stripe asking, and none of it passes through flatpass.

RecommendedStudio$15/mo

Step 2 · ~5 min

Point it at the role you already use

Pick the Discord role your paid members hold and set a price. Nothing about the role changes, so existing members keep their access while you set it up. Add a second tier if you sell more than one thing.

flatpass.io/invite/your-server

Step 3 · ~1 min

Share your invite page

Your invite page builds itself from what Discord already knows about your server. Post it, pin it, or put it in your bio — and tag any link you share so you can see which one actually converts.

Set your price. We take 0% of it.

Free up to 15 paying members · No setup fee · Cancel anytime

Get started