> This page is for For Users. > For clean Markdown of any page, append .md to the page URL. > For a complete documentation index, see https://whop.ferndocs.com/llms.txt. > For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://whop.ferndocs.com/_mcp/server. # Local payment methods > Pay with regional, non-card payment options like ACH, iDEAL, SEPA, crypto, and more, with no additional setup required. Beyond card payments, Whop supports a wide range of local payment methods (LPMs), so customers can pay using the options most common in their region. You don't need to do anything to enable these — eligible options appear automatically at checkout. #### No setup required All eligible payment methods appear automatically at checkout. #### Customer location Customers are shown the most popular payment methods in their region. #### Configure per link Choose which LPMs to show or hide when you set up each checkout link. ## Which local payment methods display at checkout? Local payment methods will automatically appear at checkout if: * Customer is in **eligible geography** (based on IP address) * The checkout link is in an **eligible currency** * The checkout link does not exceed the **maximum price** supported by the LPM * The **pricing type** (i.e. one-time payment vs subscription) is supported by the LPM * The merchant has not **disabled the payment method** when configuring the link Local payment methods depend on the customer's geography, not the merchant's. For example, a customer in the Netherlands will see iDEAL – even if the merchant is based in the US. A customer in the US may see ACH or Cash App. > **Tip** > > If an LPM is not appearing on a customer's checkout, make sure the link was > created in an eligible currency and the customer is in an eligible geography > and is not using a VPN. ## Local payment method overview | Method | Countries | Currency | Min–max | | -------------------------- | --------- | ------------- | ----------------------- | | **US Bank Transfer (ACH)** | US | USD | $0.50–$1M | | **EU bank transfers** | EU | EUR | €1–€1M | | **Crypto** | Global | USD | $0–$1M | | **Cash App** | US | USD | $0.50–$1M | | **iDEAL** | EU | EUR | €0–€1M | | **Bancontact** | EU | EUR | €0.50–€1M | | **SEPA Debit** | EU | EUR | €0.50–€11.5k | | **Vipps** | NO | NOK | kr 0.50–kr 50k | | **MobilePay** | DK, FI | DKK, EUR | kr 0.50–40k / €0.50–€5k | | **Swish** | SE | SEK | kr 0.50–kr 50k | | **PayPal** | Global | USD + 18 more | $0–$1M | ## What local payment methods does Whop offer? Learn more about Whop's local payment method options below: ## Bank transfers #### 1. US Bank Transfer (ACH) ACH (Automated Clearing House) is the main US bank-to-bank transfer network. Customers pay directly from their bank account with low fees and high reliability, and it's one of the most trusted options for larger US transactions. * **Country:** US * **Currency:** USD * **Min–max amount:** * **Fees:** 0.8% (capped at \$5) * **Payment support:** One-time and recurring subscriptions * **Settlement:** 4 business days from payment creation (Stripe). Eligible US merchants can get 2 business days. Then normal payout to your bank. * **Refunds:** Yes. Full and partial refunds supported. Processed from your balance; timing to customer's account depends on their bank (often 5–10 business days). * **Disputes:** Yes, but final. Only 3 NACHA reasons: (1) never authorized or authorization revoked, (2) processed earlier than authorized, (3) amount different from authorized. No appeal. A successful dispute invalidates the mandate; a second dispute on the same account can lead to the account being blocked. #### 2. EU bank transfers Whop accepts one-time payments via EU bank transfers. * **Country:** EU * **Currency:** EUR * **Min–max amount:** €1 – €1M * **Fees:** 1% (capped at €5) * **Payment support:** One-time payments only * **Settlement:** Typically 1 business day for the transfer to be received, then standard payout for your country (e.g. 3 business days in many EU countries). * **Refunds:** Yes. Customer bank details are required; refunds can be requested within a limited window (e.g. up to 180 days). Usually 5–10 business days to reach the customer. * **Disputes:** No card-style dispute flow. Customers would need to raise issues with their own bank; there is no standard chargeback or dispute process like with cards or ACH. #### 3. iDEAL iDEAL is the most widely used online banking payment method in the Netherlands and in parts of the EU. * **Country:** EU * **Currency:** EUR * **Min–max amount:** €0 – €1M * **Fees:** 2.5% + €0.8 * **Payment support:** One-time and recurring subscriptions * **Settlement:** Instant bank-to-bank transfer; then standard country payout (e.g. Netherlands 3 business days after settlement). * **Refunds:** Yes. Full and partial. Often 5–10 business days to customer. * **Disputes:** Yes. Customers can dispute through their bank. PSP supports disputing iDEAL; outcome is decided by the customer's bank. #### 4. Bancontact Bancontact is Belgium's leading payment method, linked to customers' bank cards and mobile banking apps. * **Country:** EU * **Currency:** EUR * **Min–max amount:** €0.50 – €1M * **Fees:** 3.9% + €0.30 * **Payment support:** One-time and recurring subscriptions * **Settlement:** Instant; then standard country payout (e.g. Belgium 3 business days). * **Refunds:** Yes. Full and partial refunds; typically 5–10 business days to reach the customer. * **Disputes:** Yes. Card-linked; disputes and chargebacks work similarly to card payments (customer disputes with bank, you can submit evidence, bank or network decides). #### 5. SEPA Debit SEPA Direct Debit lets EU customers pay from their bank account over European banking rails. * **Country:** EU * **Currency:** EUR * **Min–max amount:** €0.50 – €11.5k * **Fees:** 1% + €0.30 * **Payment support:** One-time and recurring subscriptions * **Settlement:** 6 business days (Stripe: T+6 from payment creation). Longer than cards because of SEPA scheme and return risk. * **Refunds:** Yes. Often 3–4 business days to customer for SEPA; standard full/partial refunds. * **Disputes:** Yes. Strong consumer protection: within 8 weeks the customer can get a refund "no questions asked." After 8 weeks up to 13 months only if the transaction was unauthorized. Reversals by you are possible within 5 business days of the debit. #### 6. Swish Swish is Sweden's main bank-linked mobile payment method. Customers pay in real time using their mobile number. * **Country:** Sweden (SE) * **Currency:** SEK * **Min–max amount:** kr 0.50 – kr 50k * **Fees:** 0.60% + 3 SEK * **Payment support:** One-time payments only * **Settlement:** Standard payout for Sweden (e.g. 3 business days). * **Refunds:** Yes. Full and partial refunds supported. * **Disputes:** Yes. Disputes and complaints follow the bank or PSP process. #### 7. MobilePay MobilePay is a leading mobile wallet in Denmark and Finland. Payments go through app-based banking links. * **Countries:** Denmark (DK), Finland (FI) * **Currencies:** DKK, EUR * **Min–max amount:** DK: kr 0.50 – 40k | FI: €0.50 – €5k * **Fees:** 0.60% + €0.20 * **Payment support:** One-time payments only * **Settlement:** Standard payout for Denmark and Finland (e.g. 3 business days). * **Refunds:** Yes. Full and partial refunds supported. * **Disputes:** Yes. Consumers can raise complaints about unauthorized or problematic payments; consumer protection and complaint handling apply. #### 8. Vipps Vipps is Norway's most popular mobile payment app. Customers pay from their bank account or mobile number. * **Country:** Norway (NO) * **Currency:** NOK * **Min–max amount:** kr 0.50 – kr 50k * **Fees:** 0.50% + €0.20 * **Payment support:** One-time payments only * **Settlement:** Standard payout for Norway (e.g. 3 business days). * **Refunds:** Yes. Full and partial; typically 2–3 business days to customer (up to \~10 depending on bank). Refunds can often be issued for a long window (e.g. 365 days). * **Disputes:** Yes. Complaints and payment-regret mechanisms; consumer protection and complaint handling. ## Crypto and wallets #### 1. Crypto Customers can pay with digital assets, which are converted to USD at checkout. Crypto supports global customers and offers fast settlement without traditional banking friction. * **Country:** Global * **Currency:** USD * **Min–max amount:** * **Fees:** 1.5% * **Payment support:** One-time payments only * **Settlement:** Fast (minutes for on-chain confirmation); funds then settle to your balance in USD. * **Refunds:** Yes. You can refund from your balance (e.g. send back to the customer). * **Disputes:** No. On-chain transactions are irreversible; there is no chargeback or dispute mechanism. #### 2. Cash App Cash App Pay is a US mobile wallet that lets customers pay instantly from their Cash App balance or a linked card. * **Country:** US * **Currency:** USD * **Min–max amount:** * **Fees:** * **Payment support:** One-time and recurring subscriptions * **Settlement:** Daily batch (ACH) to the PSP, with a configurable cutoff (e.g. 11:00 PM UTC). Net of refunds and disputes. Then normal payout to you. * **Refunds:** Yes. Full and partial; refunds can be issued for a long time (e.g. up to 7 years per Cash App). Goes back to Cash App balance or to linked card/bank. * **Disputes:** Yes. Customers can dispute (fraud, duplicate charge, refund not received, etc.). Disputes are reflected as adjustments in settlement/reconciliation. #### 3. PayPal PayPal is a globally recognized digital wallet that lets customers pay using their PayPal balance, linked bank account, or card. PayPal supports 19 different currencies. * **Country:** Global * **Currency:** USD, EUR, GBP, SEK, NOK, CZK, + 13 more * **Min–max amount:** * **Fees:** * **Payment support:** One-time and recurring subscriptions ## Related resources #### [Fees](/payments-and-billing/fees/fees) See full fee details for cards and local payment methods.