Seller Terms

These Seller Terms apply when you use our Service to sell Products to Buyers on Whop or through Whop Payments, and are part of our Terms of Service (including the Terms’ arbitration agreement and class action waiver).

Sellers are responsible for reviewing and abiding by these Seller Terms as well as any applicable local laws. Violating these Terms may result in restrictions to your account, up to and including termination, and may be made at the sole discretion of us and our Financial Partners.

1. Our Role.

When you sell on Whop or through Whop Payments, Whop acts as merchant of record for the purpose of card network rules and payment settlement only, and provides payment-processing services in connection with the transaction between you and the Buyer. You are the supplier of the Products for all other purposes, including for value-added tax, sales tax, consumer protection, and content licensing. You remain solely responsible for your Products, including their description, pricing, delivery, access, support, returns, refund decisions, and the content licence granted to the Buyer, as well as for your business operations generally. Whop will be identified as the payment processor on card statements, and you will be identified to the Buyer as the supplier on the receipt and at checkout.

2. Identity Verification and Compliance.

As is stated in detail in Section 2 of the Terms of Service, our Financial Partners and applicable law require we verify your identity upon onboarding and while you have an open Whop account. Approval can be revoked at any time. We are not responsible for losses, claims, or damages arising from your inability to access funds due to non-compliance with these Terms or KYC requirements.

3. Your Responsibilities.

As a Seller, you are responsible for your business. We provide the platform and tools, but you maintain full responsibility for your business operations, products, and customer transactions. You are the supplier of the Products to the Buyer; Whop’s role is limited to providing payment-processing services. You are solely responsible for:

Your Business: Operating your business wherever you use Whop Service(s) (including your storefront, embedded checkouts, and social media integrations), all content you create (including content created using Whop’s tools), and all Products you sell.

Your Products: Ensuring your Products comply with our Prohibited Products and Services Policy, applicable laws, and all regulatory requirements in jurisdictions where you operate and where you sell your Products.

Product listings: Providing accurate and complete descriptions and pricing for each Product you sell. All Products must have specific access periods, durations, and delivery mechanisms disclosed to the Buyer at the time of purchase. You may not offer or list “lifetime,” “perpetual,” or indefinite-access Products. We may suspend or remove any Product where information is missing, inaccurate, or does not comply with these Terms.

Pricing: Setting prices at your sole discretion so long as it complies with applicable law. However, you must keep pricing information accurate and current and honor listed prices for sold Products.

Delivery: Delivering and providing any Products you sell using the Services.

Customer support: Providing support to customers regarding their purchases and your Products.

Whop Payments. Your storefront, website, and any other customer-facing pages where Products are sold using Whop Payments must accurately reflect Whop’s role as payment processor and your role as supplier. Your storefront and product listings must identify you as the supplier and must not represent Whop as the seller, supplier, or licensor of the Products. We may request changes to your storefront, product pages, checkout flow, or representations to ensure compliance with these Terms, applicable law, or payment network rules, and you agree to make such changes promptly.

4. Fees and Balance

Fees. You are responsible for fees associated with your use of the Services. The amount and type of fees are outlined in our pricing documentation (https://docs.whop.com/fees), which may be updated or amended from time to time with advance notice.

How Fees Are Deducted. When a Product is sold, you receive the net purchase price in your base currency, minus: (i) payment processing fees, (ii) applicable taxes, and (iii) our service fee as set forth on our pricing page.

Promotional Offers. Promotional offers or discounts available to other users do not apply to your account unless expressly confirmed in writing by us.

Whop Balance. Your Whop Balance displays amounts held with our Financial Partners for you. See our Terms of Service for details on your Whop Balance.

5. Chargebacks, Disputes, and Enforcement

Your Responsibilities

What You're Responsible For. You are solely responsible for all chargebacks, payment disputes, returns, and refunds related to your Products. Refund decisions for product or service issues are yours alone, and Whop’s role is limited to processing the payment reversal upon your instruction. Valid refund and chargeback requests are refunded in full—including fees. You are also responsible for reimbursing us for all associated costs, including chargeback fees, investigation costs, and any payment network penalties.

Chargeback fees are currently $15 per chargeback (or the equivalent in the transaction currency).

Refund window. Whop will process a refund to a customer where: (i) you instruct Whop to refund a payment, in accordance with your refund policy; (ii) Whop confirms a payment-layer issue (including a duplicate payment, processing error, or unrecognised charge) and processes a reversal under its obligations as merchant of record; (iii) Whop reasonably believes the transaction was procured by fraud, money laundering, or other unlawful activity; (iv) Whop is required to do so by applicable law, regulation, or card network rules, including in connection with a Buyer’s card-issuer chargeback rights; or (v) Whop reasonably believes a chargeback is imminent and a voluntary refund mitigates that risk. Refunds processed under this section are deducted from your balance in accordance with these Terms. Nothing in this section authorises Whop to adjudicate the merits of a Buyer’s product or service complaint.

Your Dispute Rate. You must maintain a dispute rate below 1% on a rolling basis, or such other threshold as may be established by applicable card network or Financial Partner rules. Your dispute rate is calculated by dividing the number of dispute cases by your total transactions over a rolling 90-day period.

Excessive chargebacks. If we determine that your Products have an excessive chargeback or refund rate, we may, at our sole discretion and without prior notice: (i) suspend sales of some or all of your Products through one or more payment methods; (ii) implement additional controls on your checkout or associated communications; (iii) share information about your account with our Financial Partners, payment processors, and card networks; or (iv) terminate your account in accordance with these Terms. We will notify you of any such action as soon as reasonably practicable.

Prohibited Billing Practices. You may not:

Retry failed American Express authorizations more than three times within 24 hours.
Artificially lower dispute rates by charging nominal amounts not representative of actual product value.
Engage in transaction splitting, micro-billing, or similar tactics to evade fraud monitoring or payment network thresholds.

Violations may result in immediate suspension, termination, withheld payouts, and reporting to our Financial Partners and regulatory authorities.

Reserves and Fund Holds

When We May Hold Funds. We or our Financial Partners may place reserves on your account (up to 100% of funds), suspend payments, or terminate your account based on:

New account status or lack of transaction history
High dispute, chargeback, refund, or return rates
Certain product categories, pre-orders, or long fulfillment windows
Unusual transaction volume or activity patterns
Indicators of fraud, policy violations, or compliance issues
Incomplete verification or missing documentation

How Reserves Work. You authorize us to instruct our Financial Partners to withhold, withdraw, or debit funds from your account or connected bank account to cover refunds, disputes, penalties, or fees assessed pursuant to these terms and applicable network rules. You agree that we may hold funds in reserve for as long as commercially reasonable to protect against ongoing disputes (but for no longer than 180 days). We have no obligation to release funds until satisfied that risks have passed or been mitigated. By using the Service, you authorize us to take these actions in our sole discretion.

Information Requests. If your account is placed on reserve or suspended, we may request additional information to verify your business practices or resolve disputes. Failure to cooperate may result in continued reserve, suspension, or termination.

Your Ongoing Liability. If reserved funds or clawback amounts are insufficient to cover chargebacks, refunds, or other obligations, you will be responsible for any resulting negative balance. You remain liable for all payment network fines, fees, penalties, and assessments.

Negative Balances and Repayment

When You Owe Money. If chargebacks, refunds, or other payment obligations exceed your available account balance, you will have a negative balance. You are immediately obligated to repay any negative balance to us.

How We Collect. We may deduct negative balances from future payments, require you to add funds to your account, or charge your connected bank account or payment method on file. Negative balances accrue interest at 1.5% per month (or the maximum rate permitted by law) until paid in full. You remain liable for all negative balances even if your account is suspended or terminated.

Collection Rights. If you fail to pay amounts owed to us—including fees, chargebacks, refunds, penalties, or other obligations—we may pursue recovery through any lawful means, including:

Engaging collection agencies
Initiating legal action
Withholding or offsetting future payouts
Pursuing recovery from affiliated entities or individuals involved in operating your account

You agree to reimburse us for all reasonable collection costs, including attorneys’ fees, court costs, and collection agency fees.

Appeals and Additional Rights

Appeals. If you believe a reserve, suspension, or other action under this section was made in error, you may contact [email protected] to request a review, which we may conduct in our sole discretion. We reserve the right to limit what we tell you about our review.

Rights Reserved. Nothing in this section limits our rights under other sections of these Terms or our ability to take action if we suspect fraud, money laundering, unlawful activity, or other violations.

6. Taxes.

Seller has responsibility and liability for:

(a) determining which, if any, taxes or fees apply to the sale of its products and services, or payments it makes or receives in connection with its use of the Services; and

(b) assessing, collecting, reporting and remitting taxes due on the Products sold by Seller.

This shall include, but is not limited to, sales tax, VAT, income tax, and other statutory taxes.

Where required, Whop may withhold, collect and remit taxes owed by Seller on Seller’s behalf to the appropriate tax authorities. Nevertheless, Seller will be ultimately responsible for the verification and reporting of any and all applicable taxes to the appropriate tax authorities, including instances where Whop does not collect taxes on Seller’s behalf.

6A. Whop Tax Service.

We offer an optional service that calculates and, where you elect and where available, collects and remits, on your behalf, certain sales and consumption taxes on transactions you process through the Services (the “Tax Service”). The Tax Service is an automated feature of the Services. It is not tax, legal, or accounting advice, and using it does not make Whop your tax advisor, agent, or representative for determining your tax obligations.

Tax Modes. When you enable the Tax Service, you select one of the following in your tax settings (each, a “Tax Mode”), and you may change your selection on a going-forward basis:

(a) Whop Collects and Remits. In supported jurisdictions, Whop calculates, collects, and remits applicable sales tax and VAT to the relevant authorities. You authorize Whop and its Financial Partners to collect such amounts at checkout and remit them accordingly. For these transactions, and solely for the sales tax, VAT, and similar transaction taxes described above, Whop (or its designated affiliate) acts as the merchant of record, as described under “Merchant of Record” below.
(b) Whop Calculates; You Remit. Whop calculates and adds applicable tax at checkout. The collected tax is included in your payout, and you are solely responsible for reporting and remitting it to the relevant authorities.
(c) You Handle Tax. You take full responsibility for calculating, collecting, reporting, and remitting all applicable tax in every jurisdiction where you have buyers. Because Whop processes payments, Whop does not separately calculate or add tax at checkout in this Mode; you are responsible for accounting for any applicable tax in your pricing and for collecting and remitting it. If you want tax calculated and collected at checkout, use the Whop Collects and Remits or Whop Calculates; You Remit Mode. This Mode is governed by Section 6 (Taxes).

Merchant of Record (Whop Collects and Remits Mode Only). Only where you enable the Whop Collects and Remits Mode, and solely with respect to the sales tax, VAT, and similar transaction taxes on the affected transactions in supported jurisdictions, Whop (or a designated Whop affiliate or Financial Partner) acts as the merchant of record. In that limited capacity, Whop is responsible for those transaction taxes and may register with the relevant authorities, calculate, collect, and remit such taxes, file the associated returns, and be identified as the merchant of record on receipts, invoices, and similar documentation for those taxes. Whop does not act as the merchant of record under any other Tax Mode. Whop’s role as merchant of record is limited to the transaction taxes described above and does not make Whop the seller or supplier of, or otherwise responsible for, your Products, your contractual relationship with your buyers, refunds or chargebacks, or any other tax (including income or other non-transactional taxes). For all other matters, and for all transactions under the Whop Calculates; You Remit and You Handle Tax Modes, you remain the seller and merchant of record and the party responsible.

Your Information; Calculation Based on Your Inputs. The Tax Service calculates tax based solely on the information you provide and the settings you select, including your tax registration numbers and IDs, product and service classifications, and place-of-supply and similar inputs. You must provide accurate, complete, and current information and keep it updated. Whop does not independently verify your inputs, and you are responsible for the consequences of any information that is missing, inaccurate, misclassified, or out of date. The Tax Service relies on tax rates, rules, and taxability content supplied by third-party providers and on the tax categories available within the Services, which may be incomplete or contain errors. Whop does not warrant the accuracy or completeness of such rates, content, or categories, and (except for its obligation to remit amounts it actually collects under the Whop Collects and Remits Mode, as described below) is not responsible for tax that is incorrectly calculated as a result. You are responsible for reviewing the available tax categories, selecting those appropriate to your Products, and verifying the resulting calculations.

You Remain Responsible for Your Tax Obligations. Regardless of the Tax Mode you select, you are solely responsible for determining whether, where, and to what extent you have tax obligations — including registration thresholds, nexus, exemptions, and filing requirements — and for verifying that tax has been correctly calculated, collected, reported, and remitted. Where you enable the Whop Collects and Remits Mode, Whop performs that collection and remittance on your behalf based on your inputs; in all cases you remain ultimately responsible for determining your tax obligations and for the accuracy of your inputs. The Tax Service does not relieve you of, or transfer to Whop, this responsibility.

Scope and Availability. The Whop Collects and Remits Mode is available only in jurisdictions Whop supports from time to time, currently 18 U.S. states, the United Kingdom, and EU member countries. For all transactions outside supported jurisdictions, and for all taxes the Tax Service does not handle (including income and other non-transactional taxes), you remain responsible as set forth in Section 6. We may add, remove, or change supported jurisdictions, taxes, and functionality, and may modify, suspend, or discontinue the Tax Service, at any time.

No Tax Advice. Whop does not provide tax, legal, or accounting advice. You should consult your own advisors regarding your tax obligations and your use of the Tax Service.

Customer Tax Inquiries. Whop does not handle and is not responsible for any buyer or customer inquiries, requests, disputes, or claims relating to tax — including exemption requests, invoice or VAT-receipt corrections, and refunds of tax. Except that, where Whop collects and remits tax under the Whop Collects and Remits Mode, Whop will handle matters relating specifically to its collection and remittance of that tax (such as providing records of the amounts it collected and remitted), you are solely responsible for managing these directly with your customers. Where Whop or its tax provider makes tax invoices, receipts, or similar documentation available — including where Whop collects and remits under the Whop Collects and Remits Mode — those documents are generated from the information you provide, and you are responsible for the accuracy of that information.

Fees. The Whop Collects and Remits and Whop Calculates; You Remit Modes are subject to a fee of 2% per transaction, in addition to all other applicable fees, and deducted as described in Section 4. Fees are set forth in our pricing documentation, which controls and may be updated from time to time. Our fees are exclusive of any sales, use, value-added, goods-and-services, or other indirect taxes (collectively, “Indirect Taxes”). Where required, Whop will add to its fees, collect, and remit any Indirect Taxes due on those fees, and will issue valid invoices for its fees as required under applicable law.

Audits, Penalties, and Liability. To the maximum extent permitted by law, the Tax Service is provided “as is” and “as available,” without warranty of any kind, including as to the accuracy, completeness, or timeliness of any calculation, collection, or remittance. Where you enable the Whop Collects and Remits Mode, Whop is responsible for remitting to the relevant authorities the tax amounts it collects under that Mode, in a timely manner, based on your inputs and the applicable rates and taxability content; Whop is not responsible, however, for amounts under- or over-collected as a result of your inputs, classifications, or settings, your failure to register, or jurisdictions Whop does not support. Otherwise, Whop is not liable for, and you are responsible for, any tax, audit, assessment, reassessment, penalty, interest, fine, or other liability, including any arising from your inputs, your classifications or settings, your failure to register or remit, jurisdictions Whop does not support, or your election of any Tax Mode. You agree to indemnify and hold Whop and its Financial Partners harmless from any such liability in accordance with the indemnification provisions of the Terms of Service.

Relationship to Section 6. This Section supplements and does not replace Section 6 (Taxes). In the event of any conflict regarding ultimate responsibility for taxes, Section 6 controls, and nothing in this Section shifts ultimate responsibility or liability for your taxes to Whop, except that, where you enable the Whop Collects and Remits Mode, Whop is responsible for remitting the tax amounts it collects as described in the Audits, Penalties, and Liability section.

7. Account Suspension and Termination.

In addition to the termination and suspension rights set forth in these Terms and our Terms of Service, the following provisions apply:

Our Right to Suspend or Terminate

We may suspend or terminate your account at any time, for any reason, in our sole discretion. We will provide advance notice when reasonable and legally permitted. However, we may suspend or terminate your account immediately without notice if you violate these Terms, if we reasonably believe fraud or unauthorized use is occurring, or for legal, regulatory, or reputational reasons.

Financial Partner Actions

Suspension Authority. Financial Partners may suspend or place holds on your account in their sole discretion, as directed by law enforcement or regulatory agencies, or as required by their financial institution or payment processing partners.

Regulatory Reviews. Financial Partners may also suspend or pause your account while conducting regulatory reviews required by us, the Financial Partner, or their partners.

Effect on Funds. Account suspensions or holds may delay settlement or distribution of funds owed to you.

8. Regulatory Matters.

Not a Financial Institution. We are a technology platform, not a financial institution. We do not provide financial products, money transmission services or banking services. All payment services are provided by our Financial Partners, including third-party payment processors and their bank partners. Financial Partners hold all funds in accounts for the benefit of our customers.

Payment Processing. All payments are processed and settled by Financial Partners. We only provide the interface where transactions are initiated.

Compliance Responsibility. We structure our payment services to comply with applicable financial regulations. However, regulatory interpretations vary by jurisdiction. You are solely responsible for understanding and complying with all laws applicable to your business, including tax, financial, and consumer protection requirements. These Terms do not guarantee any specific regulatory status or licensing exemption for your use of the Services.

Service Disclaimers. The Services are provided “as is” and “as available.” We make no guarantees about regulatory outcomes, compliance status, or financial licensing matters. We are not liable for how you use the Services, your failure to meet Financial Partner requirements, or your violations of applicable law.

9. Additional Terms

Payouts Services. To the extent you use the Payouts Services via our Financial Partners, the terms here apply.

Data Terms. The Whop Seller Data Sharing Addendum that governs the sharing of personal data between Whop and Sellers in accordance with applicable laws.

Last Updated May 15th 2026

Legal

Seller Terms