The Whop alternative that takes 0% of your sales
Whop takes roughly 5.7–7% of each sale once its platform, processing, and payout fees stack — and holds the money in a Whop balance. flatpass charges a flat monthly fee — free up to 15 paid members — takes 0%, and payments settle in your own Stripe account, yours to keep if you ever leave.
- Free up to 15 paid members
- Your own Stripe account
- Cancel anytime
A $100 sale on Whop
→ your Whop balance (withdrawal fee applies)
A $100 sale on flatpass
→ your Stripe account
flatpass fee: $0 per sale · flat monthly tiers from $0Why creators leave Whop
Documented fees and published sources — judge the math yourself.
TL;DR
flatpass is a flat-fee Whop alternative for paid Discord communities: free up to 15 paid members, then a flat monthly tier, 0% of sales, with every payment settling in your own Stripe account — not a platform balance you withdraw from. As of August 3, 2026, Whop advertises 2.7% + $0.30 card processing; a 3% platform fee applies on top for automation-gated sales — Discord, Telegram, TradingView — and moving money out of a Whop balance costs $2.50–5% per payout.
The advertised fee isn't the whole fee
Whop's pricing page says 2.7% + $0.30 per sale, no monthly cost. What it doesn't say: sales gated through Whop's automations — Discord, Telegram, TradingView — carry a further 3% platform fee, about 5.7% + $0.30 for the thing Whop is mostly used for. That 3% appears on none of Whop's public pricing pages as of August 3, 2026; independent fee breakdowns — Ruzuku, Group.app, Dodo Payments, WhatPayment — all document it.
Your revenue sits in Whop's balance
Sales accrue to a platform balance, and moving it to your bank is a priced action: $2.50 next-day ACH, 4% + $1 instant, 5% + $1 Venmo or crypto, $23 by wire — Whop's own fee docs. Recurring Trustpilot reviews describe payout holds stretching months. On flatpass there is no balance and no withdrawal step: Stripe settles to your bank on its regular schedule, free.
The customer relationship belongs to Whop
Your members check out on Whop, live in Whop's system, and renew through Whop's checkout. Leave, and you start from zero. On flatpass, every subscription is created inside your own Stripe account — customers, cards, and payment history are portable because they were never ours to hold.
The math, in full
Platform fees and card processing included — at each platform's own published rates.
Complete bill — each platform’s card processing included at its own rate; Stripe’s US rate on ours. 300 paid members at $35 is about $10,500/month in sales.
| flatpass | Whop | You keep the difference | |
|---|---|---|---|
| $1,000/mo in sales | $67 | $66 | — |
| $5,000/mo in sales | $267 | $328 | $61/mo |
| $10,000/mo in sales | $525 | $656 | $131/mo |
All-in monthly cost at a $35/month membership — which also fixes the member count our tier is metered on, so the $1,000 row is the Starter tier and the $10,000 row is Scale. flatpass sellers pay Stripe’s standard 2.9% + $0.30 on their own account; Whop’s own processing is 2.7% + $0.30 plus its 3% platform fee on Discord-gated sales. At $1,000/month Whop is genuinely the cheaper bill — the flat tier starts winning from about $1,036 and never stops.
Sources · verified August 3, 2026
Calculator and table both show the complete bill — each platform’s card processing at its own rate. Whop’s processing and payout fees per whop.com/network/pricing and docs.whop.com/fees, retrieved August 3, 2026. Whop’s 3% platform fee applies to sales gated through its automations (Discord, Telegram, TradingView); it is not listed on Whop’s public pricing pages as of the same date — independent 2026 fee breakdowns (Ruzuku, Group.app, Dodo Payments, WhatPayment) document the same rate. flatpass math uses Stripe’s standard US card rate — your Stripe rate may differ. Discord’s 16% is Schedule 1 of its Monetization Terms (effective June 6, 2024): a 10% Platform Fee plus a 6% Payment Processing Fee on desktop and browser, which is why its tile carries no separate processing. Fee-by-fee detail — international cards, financing, every payout method — on Whop’s fees, explained, and the whole Discord picture on Discord monetization.
Your Stripe. Your money.
Same job — different math, different ownership.
| flatpass | Whop | |
|---|---|---|
| Monthly fee | Flat tiers from $0 — free up to 15 paid members | $0 |
| Cut of your sales | 0% | 3% on Discord-gated sales |
| Card processing | Stripe's 2.9% + $0.30, on your own account | Whop's 2.7% + $0.30 |
| Where the money lands | Your Stripe account | Your Whop balance |
| Getting paid | Stripe pays your bank automatically — no fee | $2.50–5% + $1 per payout, $23 by wire |
| If you ever leave | Stripe account, customers, and history stay yours | Balance and customer relationships stay with Whop |
| Marketplace discovery | None — your invite page, your audience | Whop Discover — genuinely useful if you want it |
Competitor pricing as published or verified, August 3, 2026— sources above. Weighing Discord’s own subscriptions instead? What Discord monetization pays →
What your members actually see
The checkout is the last thing between interest and a subscription. On every platform it wears somebody's brand.
You've been invited to join
Chef Society
Monitors, early links, and release guides for sneaker drops.
- 1,204 online
- 4,318 members
Renews monthly until cancelled
Payments are securely processed by Stripe
A live preview, not a screenshot — this is the component your members get
On Whop
- Whop's wordmark and nav across the top — For enterprise, API, Discover, Start a business, Sign in.
- A Whop sidebar alongside it, with tabs for Chats, Apps, Products and About.
- Your banner, icon and name are all there — as content inside Whop's frame.
- The Join button is Whop's blue, not your server's colour.
On flatpass
- The Discord invite screen your members already know, staged over your server's own banner — or, since Discord only gives banners to boosted servers, over art generated in your colour.
- Your server's colour runs through the whole page — the buttons, the tier they pick, every highlight, and the banner art it's staged on.
- Your name, your tagline, your member and online counts.
- flatpass stays small on purpose: a mark up top and one “Powered by flatpass” line at the bottom — enough to reassure someone who arrived from a Discord link, next to the renewal and cancellation terms Stripe expects to see.
That frame is also Whop's marketplace doing its job — Discover puts your community in front of people who were browsing, and no invite page replicates that. It's the trade, not an oversight.
How Whop’s checkout was observed · verified August 3, 2026
Competitor chrome described from a live Whop community page viewed August 3, 2026, not reproduced. Layouts change; re-check before citing this later.
Switch from Whop in an afternoon
No imports, no downtime — run both until the last renewal lapses.
Step 1 · ~2 min
Add the bot, connect Stripe
Two clicks. Bring the Stripe account you already have, or create one on the spot.
Step 2 · ~5 min
Recreate your tiers
Pick your Discord roles, set your prices. Your invite page builds itself.
Step 3 · ~3 min
Point members at your page
New members subscribe there and get their role instantly. Whop subscriptions can't be transferred — most communities run both in parallel and let the old ones lapse.
Common questions
Above roughly $1,036/month in sales, yes: flatpass charges a flat monthly tier plus Stripe's standard processing, while Whop's ~5.7% + $0.30 keeps scaling with your revenue. At $5,000/month that's about $267 versus $328 all-in; at $10,000, about $525 versus $656. flatpass is also free until you have 15 paid members. Between those two points Whop's percentages are genuinely cheaper; the flat tier is built for communities that are already selling.
Whop's pricing page advertises 2.7% + $0.30 card processing with no monthly fee. On top of that, a 3% platform fee applies to sales gated through Whop's automations — Discord, Telegram, or TradingView — about 5.7% + $0.30 per sale, plus a payout fee of $2.50 to 5% when you withdraw your balance. The 3% doesn't appear on Whop's public pricing pages. (As of August 3, 2026.)
For paid Discord communities the two that come up are Discord’s own Server Subscriptions — 16% of every sale once its 6% processing is counted, and US sellers only — and flatpass: flat monthly tiers, 0% of sales, on your own Stripe account. If marketplace discovery is what you want, Whop’s Discover feed is its real strength, and no alternative replicates it. (As of August 3, 2026.) The full landscape, every platform’s cut included: Discord monetization.
Yes. Add the flatpass bot, connect your Stripe account, and recreate your tiers; your invite page is live the same afternoon. Existing Whop subscriptions can't be transferred, so members re-subscribe on your page. Most communities run both in parallel and let Whop subscriptions lapse.
No. flatpass uses Stripe Connect Standard: members pay into your own Stripe account directly, and Stripe pays out to your bank on its regular schedule at no extra fee. There is no platform balance, no withdrawal step, and nothing for us to hold.
No. You can create one during signup in about two minutes, or connect an existing account with one click.
Your community. Your Stripe. 0% of your sales.
Free up to 15 paid members · No setup fee · Cancel anytime