Whop vs CopeCart US

Lemon Squeezy vs CopeCart US

Whop vs CopeCart: What's the Difference?

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CopeCart is an all-in-one sales platform with a reseller model

CopeCart US Provides Complete Payment Infrastructure

CopeCart US is built for digital entrepreneurs, coaches, course creators, and high-ticket consultants.

CopeCart operates as a Merchant of Record (reseller) and offers a complete payment, billing, and compliance solution for digital entrepreneurs, online coaches, and course creators. CopeCart acts as the contractual partner to the buyer and assumes legal responsibility.

Whop is a platform + payment stack for digital products

Stripe is a Payment Processor

Lemon Squeezy is built for software companies, SaaS businesses, and developers selling digital downloads and subscriptions.

Whop offers a platform with an integrated payment system (Whop Payments) for selling digital products. Whop describes itself as a Merchant of Record in its own blog content. However, in the Seller Terms, Whop is described as an agent for receiving, holding, and processing payments, while sellers remain responsible for taxes as well as refunds, disputes, and chargebacks.

Costs & Fees

All-Inclusive vs. Add-On Model

Transaction fees are negotiated based on your sales volume across any platform. The rate includes all services:

payment processing, automatic invoicing, collections, tax handling, and conversion-optimized checkouts. No monthly base fees. Your rate decreases automatically as revenue increases.

The base processing fee is 2.7% + $0.30 per transaction (domestic). International cards cost an additional +1.5%, currency conversion another +1%.

Optional add-ons include: Orchestration 0.8%, Billing 0.5%, Tax & Remittance 0.5%. Disputes cost $15 per case. Payout fees vary by method (e.g., Next-day ACH $2.50, Wire $23, Crypto/Venmo 5% + $1), and are charged per withdrawal.

Taxes & Compliance

Who Bears the Responsibility?

As Merchant of Record, CopeCart handles complete US sales tax compliance across all 50 states.

We collect and remit sales taxes automatically based on product category and buyer location. You receive one monthly statement instead of hundreds of individual invoices. Expanding globally? EU VAT and UAE tax compliance available on request.

According to Whop Seller Terms, tax responsibility lies with the seller.

Whop documents an optional "Tax and remittance" feature (0.5% per transaction) that applies when taxes are collected and remitted. A blanket, standard assumption of sales tax compliance as a Merchant of Record is not guaranteed in official Whop legal documents.

Chargebacks, Disputes & Reserves

Who Bears the Risk?

CopeCart assumes chargeback risk.

Automated collections recover outstanding payments for you with professional follow-up. No sudden account freezes. No funds held hostage. Real human support when you need answers.

Automatisches Mahnwesen mit professionellem Inkasso-Partner holt ausstehende Zahlungen ein, bis hin zum gerichtlichen Mahnverfahren. Du musst keinem Kunden mehr hinterherlaufen.

According to Seller Terms, the seller is responsible for refunds, disputes, and chargebacks.

Whop does not guarantee transactions and does not cover dispute losses. The dispute rate must stay under 2%. Reserves up to 100% are possible, and funds can be held for up to 180 days.

Payouts

Predictability vs. Flexibility

Scheduled, predictable payouts on the 7th, 14th, 21st, and 28th of each month. Weekly, bi-weekly, or monthly intervals based on your preference. Real-time visibility shows you exactly what's happening. For high-volume vendors, Fast Payouts are optionally available.

Whop offers various payout options, including same-day payouts. However, according to Seller Terms, there is no guaranteed standard settlement time. Whop and its payment partners can delay or fully withhold payouts, including reserves up to 100% and holding periods of up to 180 days.

Invoicing & Subscriptions

Automatic invoice generation with every sale. Subscriptions and memberships with automatic renewals. Flexible payment plans and installments. Everything delivered automatically through CopeMember.

Invoicing in the dashboard (create, send, track, reminders, export). Customer Billing Portal for subscription self-service and billing history/receipts.

Support & Service

Dedicated Account Manager from $20K monthly revenue. VIP support with Slack 24/7 for high-volume vendors. Weekly live webinars and white-glove onboarding with personal setup and migration assistance.

Self-service Billing Portal for customers. No information about personal vendor support in available documentation.

Compare

Why CopeCart

Why CopeCart?

Comparison at a Glance

Features

Model / Role

Merchant of Record (Reseller)

Platform + Payment Stack; described as MoR in blog, as Agent in Seller Terms

Base Transaction Fee

Negotiated based on volume (all-inclusive)

2.7% + $0.30 (domestic)

International Cards

Included

+1.5% additional

Currency Conversion

Included

+1% additional

Tax & Remittance

Included

+0.5% (optional)

Tax Responsibility

CopeCart calculates & remits

Seller responsible (per Seller Terms)

US Sales Tax Compliance

Automatic for all 50 states

Not standard

Dispute Fee

Included

$15 per dispute

Chargebacks/Disputes

CopeCart assumes risk

Seller bears the risk

Reserves Possible

None

Up to 100%, up to 180 days

Invoice Generation

Automatic (one monthly statement)

Dashboard tool

Collections

Automatic with professional follow-up

Seller responsible

Refund Policy

Configurable (no-refund option available upon approval)

No platform-wide policy defined

Personal Account Manager

Yes (from $20K monthly)

No information

Payment Methods

9 methods incl. Klarna, PayPal, Apple Pay, Google Pay

Cards, Wallets, Crypto, Venmo

Buy Now, Pay Later Methods

Klarna, Affirm, PayVa integrated (up to 97% approval)

Klarna, Afterpay, Zip Pay, Sezzle and Splitit

Buy Now, Pay Later Fees

Klarna: 3% surcharge, Affirm: ~3% surcharge, PayVa: 8% per transaction

15% fee on every BNPL transaction

Monthly Base Fee

None

Payout Fees

None (no dedicated payout fees)

ACH: $2.50, Instant bank: 4% + $1, Crypto: 5% + $1, Venmo: 5% + $1, Wire: $23

Fast Payouts

Optional: +0.5% fee on gross amount (80% payout after 7 days)

Available via instant payout
methods (fees apply depending on method)

Sales to USA & Europe

USA + EU/UAE with expansion options

Globally possible

Let's plan your switch together

From automated payment processing to tax compliance to conversion-optimized checkouts: CopeCart offers everything you need to scale your digital business with full legal protection. Schedule a free consultation.

Start Free

Book a Demo

Ready to Scale Your Coaching or Course Business?

CopeCart US is built for digital entrepreneurs who close deals on calls and need the financing options to make high-ticket offers accessible to more buyers.

Start Free

Book a Demo

4.5 excellent

4.6 OMR Reviews

SCALING AWARDS

Designed to celebrate growth

Note: Whop information is based on official Whop Seller Terms, Whop Fees Docs, and Whop Blog (as of January 2025). CopeCart transaction fees are negotiated based on sales volume and decrease as revenue increases. Features listed are based on the CopeCart Merchant of Record model for the US market.

Sources Whop: whop.com/seller-terms/ | docs.whop.com/fees | whop.com/blog/mor-vs-sor/

Ready to Scale Your Coaching or Course Business?

CopeCart US is built for digital entrepreneurs who close deals on calls and need the financing options to make high-ticket offers accessible to more buyers.

Start Free

Book a Demo

4.5 excellent

4.6 OMR Reviews

SCALING AWARDS

Designed to celebrate growth

Note: The exact Stripe fees vary by region and product. The standard CopeCart fee is 4.9% + €1 per transaction. The mentioned features are based on the CopeCart reseller model for DACH.