All your payout, dispute, and account balance questions—answered.
How do I get paid?
Once you've created your store page or a checkout link, Whop will begin monitoring your account to ensure everything aligns with our Terms of Service.
After that initial check (and routine periodic reviews), your payouts will be sent to your connected bank account.
Payouts typically arrive within 3–5 business days, depending on your payment method and country.
Why are some payouts reviewed?
Certain payout milestones trigger an automatic review, such as:
Your first-ever sale
Your first withdrawal
Revenue milestones: $1k, $5k, $25k, $50k, etc.
During these reviews, we check:
Your store's compliance with Whop policies
Your risk score (dispute rate, payment anomalies)
Any unusual or high-value transactions
If all looks good, payouts continue as usual. If not, we may:
Temporarily place a reserve on your account
Pause payouts until the issue is resolved
What is a Reserve?
A reserve is when a percentage of your revenue is held temporarily. This helps protect against:
Chargebacks
Fraudulent activity
High dispute rates
When might a reserve be applied?
Your dispute rate exceeds 0.7%
You're brand new and have high transaction volume
Your product is vague or violates our Terms
Your customers appear to be inactive or non-engaged
You'll be notified if a reserve is placed. Once your account shows consistent low-risk behavior, it may be reduced or removed.
Disputes & Refunds
Whop provides a Resolution Center where users can request refunds without going through their bank. As a creator, you’ll have a chance to:
Review the request
Provide evidence (like receipts, screenshots, delivery proof)
Communicate with the customer
Dispute outcomes:
Refund granted by Whop (we cover the cost)
Refund granted by creator (you cover the cost)
Request denied (user doesn’t receive a refund)
If the customer bypasses the Resolution Center and disputes directly with their bank (a chargeback), the amount will be pulled back via the payment processor—often with an additional fee.
Can I set my own refund policy?
Yes! You can customize your refund policy in your product listing.
However, if a customer files a dispute, Whop may still issue a refund depending on:
The reason for the request
Your listed policy
How recently the purchase was made
Be clear and transparent to avoid misunderstandings.
Negative balance? Here's why:
Your Whop balance can go negative if refunds or chargebacks exceed available funds.
<$500: We’ll notify you and give time to fix it
>$500: After 72 hours, Whop may pull funds from your bank account
No funds available: Your account may be suspended
Tip: Keep some funds in your Whop balance to prevent issues.
Suspension of payouts or accounts
We may suspend payouts or even disable your store if:
Your dispute/chargeback rate is high
You're offering prohibited content/services
You hit a high-risk pattern (ex: lots of refunds or unclear offering)
You fail to resolve a negative balance
In most cases, you’ll be notified first with a chance to respond.
How to Keep Your Account in Good Standing
Maintain a low dispute rate (below 0.7%)
Make sure your listing matches your product
Respond to customer questions quickly
Be clear and transparent in your communication
Avoid risky or prohibited content