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Whop

Whop

VS

Pay.com

Modern Online Payment Gateway

Pay.com
Fees from
2.7% + $0.3 vs 2.85%–2.9% + $0.27
Features

0 shared

2 unique to Pay.com
Regions

2 shared

8 unique to Whop
Pay methods

8 shared

32 unique to Whop
On fees

Whop publishes 2.7% + $0.3 from. Pay.com publishes 2.85%–2.9% + $0.27 from. Verify directly with each provider before signing.

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Show full specs
2 features · 40 payment methods · 10 regions. We don't rank these — they're here for reference.
Whop Whop
Pay.com Pay.com
Quick Facts
Fees
Standard transaction rate
2.7% + $0.3
2.85%–2.9% + $0.27
Settlement
Time to receive funds
3–5 business days
—
Founded
—
2020
Headquarters
Brooklyn, NY
Tel Aviv, Israel
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Pay.com leads (2 vs 0)
Instant Sandbox Unique
—
✓
Startup Friendly Unique
—
✓
Payment Methods
Whop leads (40 vs 8)
Ach
✓
✓
Afterpay Unique
✓
—
Amex
✓
✓
Apple Pay
✓
✓
Bacs Unique
✓
—
Bancontact Unique
✓
—
Bank Transfer
✓
✓
Bnpl Unique
✓
—
Cartes Bancaires Unique
✓
—
Contactless Unique
✓
—
Credit Card Unique
✓
—
Dankort Unique
✓
—
Debit Card Unique
✓
—
Diners Unique
✓
—
Direct Debit Unique
✓
—
Discover Unique
✓
—
Elo Unique
✓
—
Google Pay
✓
✓
Hipercard Unique
✓
—
Ideal Unique
✓
—
Invoice Unique
✓
—
Jcb Unique
✓
—
Klarna Unique
✓
—
Mada Unique
✓
—
Maestro Unique
✓
—
Mastercard
✓
✓
Mir Unique
✓
—
Nfc Unique
✓
—
Payment Link Unique
✓
—
Paypal
✓
✓
Prepaid Card Unique
✓
—
Rupay Unique
✓
—
Sepa Unique
✓
—
Swift Unique
✓
—
Unionpay Unique
✓
—
Venmo Unique
✓
—
Verve Unique
✓
—
Virtual Card Unique
✓
—
Visa
✓
✓
Wire Transfer Unique
✓
—
Regions
Whop leads (10 vs 2)
Africa Unique
✓
—
Asia Unique
✓
—
Europe
✓
✓
Global Unique
✓
—
Latin America Unique
✓
—
Middle East Unique
✓
—
North America
✓
✓
Oceania Unique
✓
—
South America Unique
✓
—
Southeast Asia Unique
✓
—

Whop is best when you...

Want coverage in Africa, Asia, Global, Latin America, Middle East, Oceania, South America, Southeast Asia
Pay.com doesn't cover these regions
View Whop

Pay.com is best when you...

Modern Online Payment Gateway
Need Instant Sandbox
Not available with Whop
Need Startup Friendly
Not available with Whop
View Pay.com

Frequently Asked Questions

What is the difference between Whop and Pay.com?
They share 8 payment methods and 2 regions. Whop adds Afterpay, Bacs, Bancontact and 29 more that Pay.com does not list; Whop also covers Africa, Asia and 6 more; only Pay.com offers Instant Sandbox, Startup Friendly.
Which is cheaper, Whop or Pay.com?
Whop has published rates from 2.7% + $0.3; Pay.com has published rates from 2.85%–2.9% + $0.27. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Whop and Pay.com?
Whop lists 10 regions and 40 payment methods; Pay.com lists 2 and 8. both cover Europe, North America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Whop and Pay.com compare on integration and settlement?
both offer a sandbox; both support webhooks; Whop publishes a settlement time of 3–5 business days.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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