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.
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.
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 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.
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.
Customer Transactions: You are responsible for:
Violations: Any alleged or actual violations of these Terms and applicable laws.
Prohibited Billing Practices. You may not:
Violations may result in immediate suspension, termination, withheld payouts, and reporting to our Financial Partners and regulatory authorities.
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.
What You're Responsible For. You are solely responsible for all chargebacks, payment disputes, returns, and refunds related to your Products. 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.
Your Dispute Rate. You must maintain a dispute rate below 2%. Your dispute rate is calculated by dividing the number of dispute cases by your total transactions over a rolling 90-day period.
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:
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.
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:
You agree to reimburse us for all reasonable collection costs, including attorneys' fees, court costs, and collection agency fees.
Appeals. If you believe a reserve, suspension, or other action under this section was made in error, you may contact support@whop.com 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.
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.
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.
Not a Financial Institution. We are a technology platform, not a financial institution. We do not provide financial products 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.
Agent of the Payee. Each Seller appoints Whop as its agent for the limited purpose of receiving, holding, and settling payments from Buyers. When a transaction is processed through our Financial Partners, receipt of payment from Whop satisfies the customer’s obligation to you.. You will receive those payments, less any amounts owed to us and subject to these Terms. Sellers acknowledge that any payment made by Buyers to our Financial Partners is valid and binding and considered as delivery to the Seller. The delivery of payments made by Buyers to our Financial Partners constitutes final satisfaction of the Buyer's obligation to us and Seller(s).
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.
Last Updated: December 23, 2025