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Whop Card

Updated: Aug 20, 2026

Whop Card is a Visa business payment card offered by Whop Finance to internet businesses, creators, and platform operators. Businesses can directly spend their sales proceeds and balances on the Whop platform without first withdrawing the funds to an external bank account; the underlying funding system uses stablecoin infrastructure. The card supports online and in-store payments, Apple Pay, and Google Wallet. Businesses can also issue separate cards to team members and set spending limits, with up to 5% cashback on purchases from designated merchants.
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Card network
Visa
Product type
Stablecoin payment card
Card form
Virtual + physical card
Operating status
Active
KYC level
Business KYC / KYB
Commercial relationship
No commercial relationship
Risk score
80-89
Supported assets
USDT
Last updated
Aug 20, 2026

Official and company information

Issuer identity and company credentials

Whop is a US internet commerce and payment technology platform for creators, software developers, community operators, and online merchants, offering digital product sales, subscription management, community operations, embedded checkout, payouts, balances, and global settlement. Whop acts as a payment processor or Merchant of Record in some transactions, but payment funds are held and processed by partner banks and payment service providers. The platform also offers the Whop Spend Card, which uses a credit line model secured by digital assets, but Whop itself only handles technology and program operations and is not a direct card-issuing bank or lender.
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Company / issuer
Whop
Legal name
Whop Inc.
Registered region
United States (US)
Headquarters
Brooklyn, New York, United States
Company type
Unconfirmed
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

Whop Cards officially launched in 2026 as part of Whop Finance's business fund management offering. After businesses receive sales revenue through Whop, balances pending settlement can also be used directly for card purchases, reducing the waiting time associated with withdrawals to traditional banks. Whop Finance currently manages the relevant balances using USDT stablecoin infrastructure, while card transactions are processed through the Visa network. The US Card Terms also use a collateralized Spend Account structure, under which businesses provide collateral assets through a Linked Wallet or another eligible wallet. Available card spending is linked to the collateral and a dynamic credit limit set by Whop. The product allows businesses to create multiple cards, assign separate limits to employees, and use both virtual and physical cards. It is restricted to business use and is not a personal credit card for everyday spending.
Visa card experienceRegional availabilityTerms may change
Notice: No additional notice is available.

Card variants and fee differences

Compare verified fee records across card forms and tiers

Whop Business Card
Card formVirtual + physical card
Fees
Monthly fee
Free
Card issuance fee
Free
Currently free for business applications
ATM fee—
Foreign exchange fee
1%
US card non-USD transactions
Top-up fee—
Failed transaction fee—
Rewards
Cashback
5%
Cashback on purchases at designated merchants
Crypto cashback—
Staking rewards—
Staking APR—
Welcome bonus—
Referral bonus—
Limits
Daily spending limit—
Monthly spending limit—
ATM withdrawal limit—
Card network

Fees may vary by region, card tier, and official policy. Verify the latest official terms.

Regions and China applicability

Application status based on public sources, official policy, and user reports. This is not application advice.

Available regions

Applications or normal card activation are supported

117
South KoreaKREl SalvadorSVGuyanaGYBahrainBHSouth AfricaZALithuaniaLTJamaicaJMMontenegroMENorwayNOHong KongHKBulgariaBGNorth MacedoniaMKUnited KingdomGBBrazilBRPanamaPABotswanaBWSwitzerlandCHMongoliaMNOmanOMGhanaGHJapanJPLaosLAFijiFJIcelandISLiechtensteinLIBarbadosBBDominican RepublicDOArmeniaAMPhilippinesPHCanadaCAIndonesiaIDParaguayPYEcuadorECSenegalSNEgyptEGMalaysiaMYAlgeriaDZKuwaitKWPortugalPTHungaryHUUzbekistanUZLuxembourgLUTunisiaTNMexicoMXMoldovaMDChileCLHondurasHNNew ZealandNZUgandaUGMauritiusMUDenmarkDKCyprusCYKazakhstanKZPolandPLTimor-LesteTLZambiaZMSloveniaSISeychellesSCRwandaRWThailandTHPapua New GuineaPGGermanyDEPeruPESwedenSEKyrgyzstanKGAustraliaAUBruneiBNColombiaCOSamoaWSSurinameSRGreeceGRAlbaniaALGeorgiaGECameroonCMTaiwanTWNamibiaNALatviaLVTrinidad & TobagoTTGuatemalaGTRomaniaROAustriaATSingaporeSGBoliviaBOJordanJOUruguayUYArgentinaARTanzaniaTZBahamasBSFranceFRBelizeBZCroatiaHRMacaoMOMaltaMTMoroccoMAUnited Arab EmiratesAEBosnia & HerzegovinaBASerbiaRSVanuatuVUUnited StatesUSCambodiaKHSlovakiaSKBelgiumBEQatarQAZimbabweZWEstoniaEETajikistanTJSpainESKenyaKENetherlandsNLIrelandIEFinlandFICôte d’IvoireCICosta RicaCRNigeriaNGItalyITAzerbaijanAZTongaTO
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

24
RussiaRUIraqIQMyanmar (Burma)MMAfghanistanAFNorth KoreaKPSyriaSYNepalNPVenezuelaVECubaCUTürkiyeTRIndiaINLebanonLBIranIRIsraelILLibyaLYVietnamVNChinaCNYemenYEBelarusBYNicaraguaNIHaitiHTSudanSDSomaliaSOSouth SudanSS
Evidence
Officially restricted

Unconfirmed regions

Evidence is insufficient

0

No records

Evidence
Public sources

China applicability

The source text is retained below.

Original

1、中国大陆：中国大陆明确列入 Whop Spend Card 禁止发卡地区，因此大陆居民及大陆注册主体不可申请；同时卡服务不支持在受限地区完成开户或发卡。

2、香港：中国香港未列入 Whop Card 禁发地区，符合企业业务、KYB、身份及发卡方审核要求的主体可申请；成功发卡后可在支持 Visa 的线上及实体商户使用。

3、澳门：中国澳门未列入当前 Whop Card 禁发地区，符合企业及 KYB 审核条件的主体可申请；成功取得卡片后可用于支持 Visa 的国际线上与线下商业消费。

4、台湾：中国台湾未列入 Whop Card 禁发地区，合资格企业及授权用户完成 KYB/KYC 后可申请；卡片可用于 Visa 商户及兼容 Apple Pay、Google Wallet 的支付场景。

Updated: Aug 20, 2026

Policies may change at any time. Verify the latest issuer policy.

KYC requirements

Current identity-verification requirements and restrictions

KYC required

YesRequired

KYC level

Business KYC / KYBRequirement confirmed

Proof of address

YesRequired

Accepted documents

Government-issued ID / Passport / Company registration document / Tax identification document / Bank statement

Review time / regional limits

Basic applications can be completed in about ten minutes; unusual documents or corporate information go through manual compliance review.

KYC provider

Sumsub

Updated

Aug 20, 2026

Payment compatibility

Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy

Compatibility overview12 scenarios
Supported8
Not supported4
UpdatedAug 20, 2026

Wallet payments

Alipay

Not supported

Aug 20, 2026

Wallet payments

Apple Pay

Supported

Aug 20, 2026

Cash services

ATM withdrawal

Not supported

Aug 20, 2026

AI tools

ChatGPT

Supported

Aug 20, 2026

AI tools

Claude

Supported

Aug 20, 2026

Wallet payments

Google Pay

Supported

Aug 20, 2026

AI tools

Midjourney

Supported

Aug 20, 2026

In-person payments

Offline POS

Supported

Aug 20, 2026

Online shopping

Online shopping

Supported

Aug 20, 2026

Wallet payments

PayPal

Not supported

Aug 20, 2026

Subscriptions

Subscription payment

Supported

Aug 20, 2026

Wallet payments

WeChat Pay

Not supported

Aug 20, 2026

User reviews

Showing 10 approved reviews matched to this card

Newest first
Soufianetrustpilot★ 1 / 5

My experience with Whop completely broke me as a beginner

I’ve been using Whop to run a small side hustle, and while the platform itself is solid, this payout issue completely broke me as a beginner. After putting months of hard work into building my income, my balance payout was suddenly blocked for a standard "review." I submitted every piece of information they asked for immediately, but weeks went by without any real progress. Reaching out to support only made it worse instead of a human actually looking at my case, I just got random, generic AI slop replies. Watching all my effort get frozen in limbo while receiving empty automated responses was deeply disheartening for someone just trying to get started.
View original
Ranitrustpilot★ 1 / 5

I've been using Whop to run a small…

I've been using Whop to run a small online side hustle, and technically the platform itself is solid , the card feature especially was a great option once I started using it. The problem is their payout review process. My balance payout was blocked for a "review" of card transactions, even though every transaction is fully visible on their end and I provided all the information they asked for. There was nothing suspicious to explain, yet the hold dragged on with no clear timeline. For someone just starting out and trying to build income, having months of effort tied up like this is a huge blow , and reading other reviews, I'm not the only one this has happened to. Support didn't help either, responses felt generic and scripted, not like anyone was actually looking at my case. I've stopped using the service. If you're a beginner counting on this platform for income, be aware this can happen to you too.
View original
Niram Lamagoogle_play★ 5 / 5

Whop Google Play review - 5 star

🤩
View original
Reeta Dubeygoogle_play★ 3 / 5

Whop Google Play review - 3 star

bast app for education purposes.
View original
Sadiyagoogle_play★ 4 / 5

Whop Google Play review - 4 star

মোবাইল ফোন এর সাথে তেমন ভালো কাজ করে না
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Ovi Ahmadgoogle_play★ 3 / 5

Whop Google Play review - 3 star

This apps good
View original
Okonkwo Promisegoogle_play★ 1 / 5

Whop Google Play review - 1 star

why did they restrict Lebanon users 😔😔 and I have so much business with it. but whop decided to suspend their account.
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Michael Manleygoogle_play★ 5 / 5

Whop Google Play review - 5 star

truely great
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nephiegoogle_play★ 5 / 5

Whop Google Play review - 5 star

so damn good app that can earn
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Manthan Kumargoogle_play★ 3 / 5

Whop Google Play review - 3 star

Good App
View original

Risk factors

Updated: Aug 20, 2026

No risk factors are available