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Whop

Whop

VS

Novalnet

European online and omnichannel merchants that want cards, local methods and guaranteed invoice or SEPA Direct Debit on one contract, along with subscription billing and receivables management.

Novalnet
Fees from
2.7% + $0.3 vs Per novalnet.com (Nov 2026): Visa/Mastercard EUR 0.24 + 1.70%; Amex, JCB, UnionPay, Discover, Diners EUR 0.24 + 2.99%; Apple Pay/Google Pay EUR 0.24 + 1.99%; SEPA Direct Debit EUR 0.24 + 1.50%; invoice EUR 0.24 + 0.99%; online bank transfer EUR 0.24 + 1.10%; iDEAL | Wero EUR 0.28 + 0.30%; guaranteed invoice/SEPA priced by country and B2B/B2C (e.g. DE B2C guaranteed invoice EUR 0.42 + 2.4%); +1.5% surcharge on corporate/business and non-EU cards.
Features

0 shared

Regions

0 shared

10 unique to Whop
Pay methods

18 shared

22 unique to Whop · 17 unique to Novalnet
On fees

Whop publishes 2.7% + $0.3 from. Novalnet publishes Per novalnet.com (Nov 2026): Visa/Mastercard EUR 0.24 + 1.70%; Amex, JCB, UnionPay, Discover, Diners EUR 0.24 + 2.99%; Apple Pay/Google Pay EUR 0.24 + 1.99%; SEPA Direct Debit EUR 0.24 + 1.50%; invoice EUR 0.24 + 0.99%; online bank transfer EUR 0.24 + 1.10%; iDEAL | Wero EUR 0.28 + 0.30%; guaranteed invoice/SEPA priced by country and B2B/B2C (e.g. DE B2C guaranteed invoice EUR 0.42 + 2.4%); +1.5% surcharge on corporate/business and non-EU cards. from. Verify directly with each provider before signing.

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Show full specs
0 features · 57 payment methods · 10 regions. We don't rank these — they're here for reference.
Whop Whop
Novalnet Novalnet
Quick Facts
Fees
Standard transaction rate
2.7% + $0.3
Per novalnet.com (Nov 2026): Visa/Mastercard EUR 0.24 + 1.70%; Amex, JCB, UnionPay, Discover, Diners EUR 0.24 + 2.99%; Apple Pay/Google Pay EUR 0.24 + 1.99%; SEPA Direct Debit EUR 0.24 + 1.50%; invoice EUR 0.24 + 0.99%; online bank transfer EUR 0.24 + 1.10%; iDEAL | Wero EUR 0.28 + 0.30%; guaranteed invoice/SEPA priced by country and B2B/B2C (e.g. DE B2C guaranteed invoice EUR 0.42 + 2.4%); +1.5% surcharge on corporate/business and non-EU cards.
Settlement
Time to receive funds
3–5 business days
—
Founded
—
—
Headquarters
Brooklyn, NY
—
Sandbox / Test Mode
✓
—
Webhook Support
✓
—
Features
Payment Methods
Whop leads (40 vs 35)
Ach
✓
✓
Afterpay Unique
✓
—
Alipay Unique
—
✓
Amex
✓
✓
Apple Pay
✓
✓
Bacs Unique
✓
—
Bancontact
✓
✓
Bank Transfer
✓
✓
Bizum Unique
—
✓
Bnpl Unique
✓
—
Cartes Bancaires
✓
✓
Contactless Unique
✓
—
Credit Card Unique
✓
—
Dankort Unique
✓
—
Debit Card Unique
✓
—
Diners
✓
✓
Direct Debit Unique
✓
—
Discover
✓
✓
Elo Unique
✓
—
Eps Unique
—
✓
Google Pay
✓
✓
Hipercard Unique
✓
—
Ideal
✓
✓
Installments Unique
—
✓
Invoice
✓
✓
Jcb
✓
✓
Kakaopay Unique
—
✓
Klarna Unique
✓
—
Mada Unique
✓
—
Maestro
✓
✓
Mastercard
✓
✓
Mb Way Unique
—
✓
Mir Unique
✓
—
Multibanco Unique
—
✓
Nfc Unique
✓
—
Payment Link
✓
✓
Paypal
✓
✓
Poli Unique
—
✓
Pos Unique
—
✓
Postfinance Unique
—
✓
Prepaid Card Unique
✓
—
Przelewy24 Unique
—
✓
Rupay Unique
✓
—
Samsung Pay Unique
—
✓
Sepa Unique
✓
—
Sepa Direct Debit Unique
—
✓
Swift Unique
✓
—
Trustly Unique
—
✓
Twint Unique
—
✓
Unionpay
✓
✓
Venmo Unique
✓
—
Verve Unique
✓
—
Virtual Card Unique
✓
—
Visa
✓
✓
Wechat Pay Unique
—
✓
Wero Unique
—
✓
Wire Transfer Unique
✓
—
Regions
Whop leads (10 vs 0)
Africa Unique
✓
—
Asia Unique
✓
—
Europe Unique
✓
—
Global Unique
✓
—
Latin America Unique
✓
—
Middle East Unique
✓
—
North America Unique
✓
—
Oceania Unique
✓
—
South America Unique
✓
—
Southeast Asia Unique
✓
—

Whop is best when you...

Want coverage in Africa, Asia, Europe, Global, Latin America, Middle East, North America, Oceania, South America, Southeast Asia
Novalnet doesn't cover these regions
View Whop

Novalnet is best when you...

European online and omnichannel merchants that want cards, local methods and guaranteed invoice or SEPA Direct Debit on one contract, along with subscription billing and receivables management.
View Novalnet

Frequently Asked Questions

What is the difference between Whop and Novalnet?
They share 18 payment methods and 0 regions. Whop adds Afterpay, Bacs, Buy Now Pay Later and 19 more that Novalnet does not list; Novalnet adds Alipay, Bizum, EPS and 14 more that Whop does not list; Whop also covers Africa, Asia and 8 more.
Which is cheaper, Whop or Novalnet?
Whop has published rates from 2.7% + $0.3; Novalnet has published rates from Per novalnet.com (Nov 2026): Visa/Mastercard EUR 0.24 + 1.70%; Amex, JCB, UnionPay, Discover, Diners EUR 0.24 + 2.99%; Apple Pay/Google Pay EUR 0.24 + 1.99%; SEPA Direct Debit EUR 0.24 + 1.50%; invoice EUR 0.24 + 0.99%; online bank transfer EUR 0.24 + 1.10%; iDEAL | Wero EUR 0.28 + 0.30%; guaranteed invoice/SEPA priced by country and B2B/B2C (e.g. DE B2C guaranteed invoice EUR 0.42 + 2.4%); +1.5% surcharge on corporate/business and non-EU cards.. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Whop and Novalnet?
Whop lists 10 regions and 40 payment methods; Novalnet lists 0 and 35. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Whop and Novalnet compare on integration and settlement?
Whop offers a sandbox, Novalnet does not list one; Whop supports webhooks; Whop publishes a settlement time of 3–5 business days.

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