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Payhook/Whop alternative
Comparison

Whop alternative with 0% platform fees and a full API

Whop takes 3% of every sale on top of Stripe's standard processing fees. Payhook charges 0% — you pay Stripe directly and keep the rest. Built for digital product sellers who want a clean checkout, instant delivery, and a write API that actually works.

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The fee math

Whop's 3% platform cut adds up quickly. Here's how it stacks against Payhook at different revenue levels:

Monthly revenueWhop feesPayhook feesMonthly saving
$1,000/mo~$59 (3% + Stripe)$29 (Stripe only)~$30
$5,000/mo~$295 (3% + Stripe)$145 (Stripe only)~$150
$10,000/mo~$590 (3% + Stripe)$290 (Stripe only)~$300

Whop fees: 3% platform fee + Stripe's 2.9% + $0.30. Payhook fees: Stripe's 2.9% + $0.30 only.

Where Whop and Payhook differ

Platform fees
Whop charges 3% on every transaction. Payhook charges 0%. At $5k/mo in sales that's $150/month you keep instead of paying a platform.
API access
Payhook exposes a full write API — create products, generate checkout links, query revenue. Designed for builders who want to automate their sales pipeline.
Agent-native checkout
Payhook responds with JSON when an AI agent calls your checkout URL. Built for the shift to agentic buying before it becomes mainstream.
Simplicity
Whop is a platform for communities, subscriptions, and software licences. Payhook is for sellers who want to move files, templates, and downloads without the overhead.

What sells well on Payhook

  • Digital downloads — templates, presets, fonts, icon sets, ebooks
  • AI tools and prompt packs — one-time purchase, instant delivery
  • Code assets — snippets, starter kits, component libraries
  • Notion and Figma templates — direct file delivery on payment
  • Written products — playbooks, guides, SOPs, swipe files

How Payhook works

1
Create an account — no credit card needed to get started
2
Upload your file and set a price — product page generates automatically
3
Share your checkout link or embed it anywhere
4
Buyer pays via Stripe — delivery fires in seconds, no manual sending
5
Revenue lands in your Stripe account on the standard payout schedule

Common questions

Does Payhook have a marketplace like Whop?
Yes. Every product gets a listing on the Payhook marketplace at /marketplace. Buyers can browse by category, find your product organically, and check out in one click.
Can I sell subscriptions or community access on Payhook?
Not yet — Payhook is built for one-time digital product sales. If you need recurring billing or community tools, Whop covers that use case. Payhook is the right fit if you're selling files, templates, or downloadable products.
Is there a free plan?
Payhook has no platform fee at any tier. You pay Stripe's standard processing rate (2.9% + $0.30) and nothing else. No monthly subscription required.
Can I migrate my products from Whop?
Yes. Upload your files, set your prices, and share your new Payhook checkout links. Most sellers are listed within 30 minutes.
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Stop paying 3% on every sale

List on Payhook, get marketplace discovery, and keep everything Stripe doesn't take. Founding seller spots still open — 0% platform fee locked in permanently.

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