Standard
$0a month
The plan you're on once a 0% period ends.
- Opening an account
- Free
- Tips
- 1%
- Sales through links and checkout
- 3%
Every fee is on the receipt.
Opening an account is free. Shft Money takes a percentage when you get paid. Whop, which processes payments and holds your balance with its financial partners, charges its own fees, and each one is shown before you confirm.
What a $900 project leaves you
- Payment
- $900.00
- Card processing, Whop (5.2% + $0.40)
- −$47.20
- Shft Money fee, 3%
- −$27.00
- You keep
- $825.80
During your first 15 days, the same project leaves you $852.80, because Shft Money takes 0%. Whop's fee depends on the card. The example uses Whop's highest published card rate: an international card with currency conversion. A card from the US starts at 2.7% + $0.30.
Shft Money is not a bank. Payments, balances and payouts are provided by Whop and its financial partners.
Shft Money's fees
What Shft Money takes when you get paid. Whop's fees are separate, and listed below.
Your first 15 days
$0a month
Everyone, counted from the day you open your account.
- Opening an account
- Free
- Tips
- 0%
- Sales through links and checkout
- 0%
First 100 members
$0a month
For 90 days, counted from the day you open your account.
- Opening an account
- Free
- Tips
- 0%
- Sales through links and checkout
- 0%
Shft ProComing soon
$10a month
Coming soon.
- Opening an account
- Free
- Tips
- 0%
- Sales through links and checkout
- 0%
On every plan
- Withdrawals
- No Shft Money fee
How the plans work
Everyone starts with 0% on tips and sales for their first 15 days, counted from the day they open their account.
The first 100 members get 0% on tips and sales for 90 days, instead of 15.
After that, you're on the standard plan.
The 0% periods and Shft Pro cover tips and sales only.
Shft Pro is coming soon. It will cost $10 a month and take 0% on tips and sales.
Withdrawing in Pakistan, Nepal, Bangladesh and Sri Lanka
Shft Money takes nothing on withdrawals. Whop charges a payout fee and converts your dollars to your currency at its own rate. You see both before you confirm.
PakistanPKR
HBL, Meezan Bank, UBL and Faysal Bank
- Whop's payout fee
- $0.20
- Usually arrives
- next business day
- Whop's rate vs mid-market
- 3.0% lower
NepalNPR
Nabil Bank, NIC Asia, Global IME, Himalayan Bank and 40 more
- Whop's payout fee
- $2.20
- Usually arrives
- next business day
- Whop's rate vs mid-market
- 2.3% lower
BangladeshBDT
BRAC Bank, Dutch-Bangla Bank, Eastern Bank, City Bank and 56 more
- Whop's payout fee
- $0.20
- Usually arrives
- next business day
- Whop's rate vs mid-market
- 5.4% lower
Sri LankaLKR
Commercial Bank, Bank of Ceylon, Hatton National Bank, Sampath Bank and 33 more
- Whop's payout fee
- $3.70
- Usually arrives
- 2 business days
- Whop's rate vs mid-market
- 1.4% lower
Whop's quotes for a standard payout to a local bank on 27 September 2026, compared with the mid-market rate the same day. Rates change every day. Use a bank account in your name that accepts your local currency: Whop can't pay out to a US dollar account in these countries. A bank wire to a bank that isn't listed costs more.
What a $10 tip leaves you
- Tip
- $10.00
- Card processing, Whop (5.2% + $0.40)
- −$0.92
- Shft Money fee, 1%
- −$0.10
- You keep
- $8.98
During your first 15 days, the same tip leaves you $9.08, because Shft Money takes 0%. Whop's fee depends on the card. The example uses Whop's highest published card rate: an international card with currency conversion. A card from the US starts at 2.7% + $0.30.
Whop's fees
Whop charges its own fees for:
- Card processing on every payment
- Withdrawals to your bank account or another payout method
- Currency, crypto and gold conversions
These apply on every plan, including 0% periods and Shft Pro. You see each one before you confirm. Every payment in your account shows its fee breakdown. Whop lists its fees on its fees page.
Letting viewers cover the fees
When a viewer tips you while you're live, they can choose to add the fees on top of their tip. Then the amount they chose reaches you after fees.
This option is for tips only. It never appears on payment links or checkout, where the price you set is the price the buyer pays.
Pricing questions
When does my 0% period start?
On the day you open your account. It lasts 15 days. If you're one of the first 100 members, it lasts 90 days.
What does the 0% cover?
Tips and sales through links and checkout. Whop's fees still apply.
What happens when it ends?
You move to the standard plan: 1% on tips and 3% on sales through links and checkout. Your account shows your plan and when a 0% period ends.
Do I pay anything to open or keep an account?
No. Opening an account is free, and the standard plan has no monthly price. Shft Pro will cost $10 a month. It's coming soon.
Does Shft Money add a fee to withdrawals?
No. There's no Shft Money fee on withdrawals. Whop charges its own withdrawal fee, which depends on the method and is shown before you confirm.
Do I get Shft Money's fee back if I refund a payment?
No. You refund a payment from your Whop dashboard, and Shft Money's fee on that payment isn't returned.
Is there a charge for Books?
No. Books comes with every account, on every plan.
Your next client can pay you by card.
More questions? See the FAQ.