Start accepting payments in under 5 minutes
The best WHMCS payment gateway is Whop
A lower base card rate than Stripe or PayPal Checkout, renewals that WHMCS collects on its own, and more ways for your customers to pay.
Download the free module See the ranking
Card numbers never reach your server · Paid only after Whop confirms · SHA-256 checksum
Ways to pay through Whop
- Visa
- Mastercard
- Apple Pay
- Google Pay
- PayPal
- Alipay
- WeChat Pay
- + 32 more ways to pay
- per domestic card
- 2.7% + $0.30
- countries & territories
- 216
- invoice currencies in the module
- 77
- for the module
- $0
01Ranking
Best WHMCS payment gateways in 2026, ranked
Whop is the best WHMCS payment gateway for most businesses in 2026, ranked on card fees, country reach and renewals.
- 01
Whop
Most WHMCS businesses, in one free module.
- Card fee
- 2.7% + $0.30
- Country reach
- 216 countries & territories
- Automatic renewals
- Yes, WHMCS charges saved cards
- 02
Stripe
Businesses in Stripe's signup countries.
- Card fee
- 2.9% + $0.30
- Country reach
- 44 countries for signup
- Automatic renewals
- Yes, saved cards
- 03
PayPal Payments
A second button for PayPal fans.
- Card fee
- PayPal Checkout: 3.49% + $0.49
- Country reach
- Varies by country
- Automatic renewals
- Yes, where PayPal approves saved payments
- 04
Authorize.net
Businesses that already have a merchant account.
- Card fee
- All-in-one: 2.9% + $0.30 + $25/month
- Country reach
- US, Canada, UK, Europe, Australia
- Automatic renewals
- Yes, WHMCS charges saved cards
- 05
2Checkout (Verifone)
A hosted checkout, once 2Checkout approves you.
- Card fee
- 3.5% + $0.35
- Country reach
- Most countries, after approval
- Automatic renewals
- 2Checkout subscriptions, no saved cards
Published US base rates, October 2026. Sources include Whop's fee schedule and Stripe's country list.
02Why Whop
Why Whop is the best payment gateway for WHMCS
A lower base card rate, more countries where your business can be, and more ways to pay.
Lower base card rate
2.7% + $0.30 per domestic card.
Almost any country
Whop excludes only a short list.
More ways to pay
Wallets, PayPal, bank and local methods.
Automatic renewals
WHMCS's own cron charges saved cards.
Fewer declines
Optional payment orchestration in Whop.
Spend before payout
Whop Card and Meta ads.
03Pricing
What Whop costs compared with Stripe and PayPal
2.7% + $0.30 base rate per domestic card, against Stripe's 2.9% + $0.30 and PayPal Checkout's 3.49% + $0.49, with no monthly fee.
| Invoice | Whop* | Stripe | PayPal Checkout |
|---|---|---|---|
| $10 | $0.57 | $0.59 | $0.84 |
| $50 | $1.65 | $1.75 | $2.24 |
| $200 | $5.70 | $6.10 | $7.47 |
*Other Whop fees may apply depending on the payment method, currency and your business settings. Whop also lists $0.03 for 3D Secure and $0.07 for fraud screening per payment.
04Coverage
Works where Stripe doesn't
Stripe opens signup in 44 countries. A Whop business can be based in 216 countries and territories, everywhere but a short list.
Type a country to see if Whop supports businesses there.
- countries & territories where a Whop business can be based
- 216
- countries Whop excludes, mostly under sanctions
- 25
The countries Whop excludes
Afghanistan
Belarus
Burundi
Central African Republic
Comoros
Cuba
DR Congo
Eritrea
Haiti
Iran
Iraq
Lebanon
Lesotho
Libya
Myanmar
North Korea
Palestine
Papua New Guinea
Russia
Somalia
South Sudan
Sudan
Syria
Venezuela
Yemen
Ukraine: supported, except its occupied regions.
Liberia and Nigeria: not on Whop's payout list.
05Payment methods
How your customers can pay
Whop shows each customer the methods that fit their country, amount and currency.
- CardsVisa, Mastercard and American ExpressRenews automatically
- Apple PaySupported devicesRenews automatically
- Google PaySupported devicesRenews automatically
- PayPal, after setupGlobalPaid once
- AlipayChinaPaid once
- AlipayHKHong KongPaid once
- GrabPaySoutheast AsiaPaid once
- MobilePayDenmark, FinlandPaid once
- Touch 'n GoMalaysiaPaid once
- WeChat PayChinaPaid once
- Bre-B, after verificationColombiaPaid once
- GCash, after verificationPhilippinesPaid once
- M-Pesa, after verificationKenyaPaid once
- Mercado Pago, after verificationLatin AmericaPaid once
- MODO, after verificationArgentinaPaid once
- Nequi, after verificationColombiaPaid once
- OPay, after verificationNigeriaPaid once
- Yape, after verificationPeruPaid once
- US bank (ACH)United StatesPaid once
- BancontactBelgiumPaid once
- Bank transferAustraliaPaid once
- Bank transferCanadaPaid once
- Bank transferEuropean UnionPaid once
- Bank transferUnited KingdomPaid once
- iDEALNetherlandsPaid once
- Bank wire, after setupInternationalPaid once
- Bancolombia, after verificationColombiaPaid once
- Nigerian bank transfer, after verificationNigeriaPaid once
- Pix, after verificationBrazilPaid once
- PSE, after verificationColombiaPaid once
- SPEI, after verificationMexicoPaid once
- Boleto, after verificationBrazilPaid once
- Efecty, after verificationColombiaPaid once
- OXXO, after verificationMexicoPaid once
- Rapipago, after verificationArgentinaPaid once
- Sencillito, after verificationChilePaid once
- Servipag, after verificationChilePaid once
- CryptoUSD invoicesPaid once
Renews automatically, through Whop PaymentsPaid once, through Whop CheckoutSome methods unlock after Whop verifies your business or after a quick setup in Whop.
On USD invoices, Whop Checkout can also offer Pay with Crypto when your Whop business allows it. Every invoice is charged in its own currency, one of 77 invoice currencies.
Two gateways, one install
Whop Payments saves cards for renewals. Whop Checkout takes every other method, paid once. Most shops turn on both.
For recurring invoices
Whop Payments
- Visa
- Mastercard
- American Express
- Apple Pay
- Google Pay
- Cards, plus Apple Pay and Google Pay if you turn them on
- Saved in WHMCS as a Pay Method
- WHMCS's cron collects every renewal
For one-off payments
Whop Checkout
- PayPal
- US bank (ACH)
- iDEAL
- WeChat Pay
- Crypto
- + 30 more
- Every other method your Whop business enables
- Whop's payment form, on its own page in your theme
- Paid once per invoice, never saved
Customers pay on your own WHMCS site, in your theme, not on a Whop checkout page.
06Renewals
Automatic renewals that WHMCS collects
Whop Payments saves each card as a native WHMCS Pay Method. Then WHMCS's own cron charges every renewal invoice, with its usual retries and reminders.
07Orchestration
Fewer declined payments
Turn on payment orchestration in Whop:
- Routing. Each payment goes to the processor most likely to approve it.
- Retries. A declined payment is retried through another processor.
- Cost. An optional Whop setting at 0.8% per transaction.
08Your balance
Spend your Whop balance without waiting for a payout
Whop features for your Whop business, separate from the module.
Whop Card
A Visa card that spends your Whop balance, including funds that haven't settled.*
Meta ads
Run Meta ads from the Whop dashboard and pay for them from your pending Whop balance. No platform or monthly fees, only ad spend.
Card sales are ready in about two business days
| Payout | When* |
|---|---|
| Card sales | About two business daysReady to withdraw after the sale |
| Next-day ACH | Next business day$2.50 per payout |
| Instant payout | Within minutes4% + $1, once your business has $10k in sales and one standard withdrawal |
*Timing and eligibility vary by country and account; see Whop's payout terms (opens in a new tab).
09Inside WHMCS
How it works inside WHMCS
WHMCS marks an invoice Paid only after Whop confirms the payment. Everything after that stays native.
- 1
Customer pays the invoice
- 2
Whop confirms the payment
- 3
WHMCS marks it Paid
- 4
Refunds and disputes sync back
10Setup
Set up Whop in WHMCS in three steps
Tested on WHMCS 8.13.7, 9.0.7 and 9.0.8 with PHP 8.3. You need a public HTTPS System URL and WHMCS's cron.
- 01
Upload the files
Copy the
upload/folder into WHMCS. - 02
Activate the gateways
Whop Payments, plus Whop Checkout for other methods.
- 03
Connect your Whop business
Paste a Whop API key and click Save Changes.
Test in Sandbox first. The documentation (opens in a new tab) has six short guides.
11FAQ
WHMCS payment gateway questions
Short answers before you install.
What is the best payment gateway for WHMCS?
Whop, for most WHMCS businesses in 2026: the lowest base card rate in this ranking, saved cards that WHMCS renews itself, and more ways to pay. Stripe is the strongest alternative in its 44 signup countries.
Is Whop Payments for WHMCS really free?
Yes. No license fee, no paid tier, and no fee added to Whop's rates.
Does Whop support automatic renewals in WHMCS?
Yes, through Whop Payments. WHMCS's own cron charges each renewal invoice to the saved card. Whop Checkout payments are one-time.
Can I run Whop alongside Stripe or PayPal?
Yes, WHMCS runs several gateways at once. Nothing is imported: customers save a new card with Whop when they next pay. Cancel old subscriptions at the old provider.
Is web hosting allowed on Whop?
Yes. Web hosting, SaaS and IT services are not on Whop's list of what is not allowed, as of September 2026. You can start selling before Whop finishes verifying your business.
Download Whop Payments for WHMCS
Version 1.1.0 is current, built and supported by George. The changelog lists what changed.
Download the free module Read the docs (opens in a new tab)
Card numbers never reach your server · Paid only after Whop confirms · SHA-256 checksum