Whop offers five different financing options: AfterPay, Splitit, Klarna, Sezzle, and ZipPay. All of these buy now pay later options allow your customers to pay off their purchase over time, while you receive the full payment immediately at purchase.

Overview: AfterPay is a leading financing option for mid-ticket offers, designed for fast, low-friction checkout. It has strong brand-name recognition, high consumer trust, and extremely wide adoption among US customers.

AfterPay supports:

Overview: Splitit is a unique buy now pay later option that supports higher-priced plans, international customers, and requires no credit check from customers.

Splitit is different from most BNPL options, as it leverages a customer’s existing credit card and available credit limit to break purchases into monthly installments. There’s no extra application or external credit check from Splitit itself, and buyers can split purchases into monthly, interest-free installments as long as they have available credit on their card.

SplitIt supports:

Overview: Klarna is a global buy now, pay later provider offering flexible payment options, including Pay in 4, Pay in 30 days, and long-term financing for larger purchases. It has strong brand recognition and can support both US- and EU-based customers.

Klarna supports:

Overview: Sezzle is a buy now, pay later platform that gives customers flexible ways to pay, including Pay in 2, Pay in 4 interest-free installments, or longer-term monthly financing for larger purchases.

Sezzle supports:

Overview: ZipPay is an ideal buy now pay later option for shorter plans and lower-priced offers. Zip's most popular product lets shoppers split purchases into 4 installments over 6 weeks, with payments charged every two weeks.
​

ZipPay supports:

To get access to any financing option on Whop, apply from the Payouts page of your creator dashboard.

Businesses must meet the following eligibility criteria in order to access financing:

After your application is reviewed and approved, you will automatically be granted access to all financing options for which you are eligible.

All financing providers have a 15% fee per successful transaction.

Whop also supports a wide range of local payment methods, improving accessibility and enabling customers around the world to pay using the options most common in their region.

Businesses on Whop don't need to do anything to get access to these local payment methods -- any payment option for which a customer is eligible will automatically appear at checkout. For example, if you have a customer in the Netherlands, their Whop checkout will automatically include iDEAL as a payment option.

Overview: ACH (Automated Clearing House) is the primary U.S. bank-to-bank transfer network. It allows customers to pay directly from their bank accounts with low fees and high reliability. It’s one of the most trusted payment rails for larger transactions in the U.S.

Overview: Crypto payments allow buyers to pay using digital assets (converted instantly to USD). Crypto is a strong option in supporting global customers and provides fast settlement with no traditional banking friction.

Overview: Cash App Pay is a U.S.-based mobile wallet allowing instant payments directly from Cash App balances or linked cards.

Overview: iDEAL is the most widely used online banking payment method in the Netherlands and across parts of the EU.

Overview: Bancontact is Belgium’s leading payment method, connecting directly to customers’ bank cards and mobile banking apps.

Overview: SEPA Direct Debit allows customers across the EU to pay using their bank accounts through standardized European banking rails. It supports recurring and one-time payments with extremely wide market coverage.

Overview: Twint is Switzerland’s dominant digital wallet, allowing mobile payments via QR code or app-to-app transfer.

Overview: Vipps is Norway’s most popular mobile payment app, enabling fast payments via bank accounts or mobile numbers.

Overview: MobilePay is a leading mobile wallet in Denmark and Finland, enabling instant payments through app-based banking connections.

Overview: Swish is Sweden’s dominant bank-linked mobile payment method. It enables real-time transfers using mobile numbers.