Real posts, pulled 2026-09 via superagnt_. Engagement as returned by each source. Nothing here is written by us — every card links to its origin.
[ 02 / 04 ]·The money
//Rack rates, both sides//
What the switch is worth.
Drag your own numbers in. If the answer is that you should stay on Stripe, the panel says so.
$120,100
$1k – $2M, logarithmic
$49
2,451 transactions a month
12%
Cross-border cards, +1.5% on both sides
Payout frequency
4.33 payouts a month, at $2.50 each on swop.
Annual saving on swop
SIMULATED Modelled from published rack rates. Not a quote.
$2,694/yr
Same volume, two price books. At $120,100 a month you'd pay $5,051 on swop against $5,275 on Stripe. The difference is the rate cut minus the adders.
Stripe
$5,275/mo
Base rate 2.9%$3,483
Per transaction $0.30$735.31
Billing 0.7%$840.70
International +1.5% on 12%$216.18
swop → Whop
$5,051/mo
Base rate 2.7%$3,243
Per transaction $0.40$0.30 + $0.07 risk scoring + $0.03 3DS$980.41
Billing 0.5%$600.50
International +1.5% on 12%$216.18
Payouts weekly · $2.50 eachnext-day ACH$10.83
Rack rates, 2026-09. Weekly payouts assumed unless changed. Negotiated pricing swaps the base rate only; per-transaction fees are unchanged. Cross-border, billing and tax adders apply on both sides.
[ 03 / 04 ]·Proof mode
//The new part//
Proof mode.
Flip one flag and swop mirrors every request to both processors, compares the responses field by field, and shows you the report before you commit.
One flag. Both rails answer. Your customers only ever see Stripe's response until you decide otherwise.
Response parity, last 30 days
SIMULATED Simulated parity report. Illustrative only — not a measurement.
99.99%
41,203 requests compared · 3 diffs, all documented
Parity report
30 daysSIMULATED Simulated dashboard. Illustrative only — not a measurement.
Simulated per-endpoint response parity between Stripe and Whop over 30 days.
Endpoint
Compared
Match
Diffs
POST /v1/payment_intents
14,006
100.00%
–No differences
POST /v1/subscriptions
12,441
100.00%
–No differences
POST /v1/customers
9,812
100.00%
–No differences
GET /v1/invoices
4,238
99.93%
POST /v1/refunds
706
100.00%
–No differences
Three diffs, one field. lines.data[].price.tax_behavior returns `unspecified` on the Whop side until a tax profile is attached; Stripe returns `exclusive`. Totals, ids and ordering match. Documented, benign, and fixed by attaching the profile.
Parity held for 30 days.
Reversible for 90 days. Your Stripe account stays open, your keys stay valid, and traffic moves back with the same flag.
Mock control. This page cannot move anyone's traffic.
[ 04 / 04 ]·The schematic
//How it works//
The schematic.
A Stripe-shaped edge, a translator that keeps your ids and re-signs your webhooks, and Whop underneath.
One host swap. The ids, the events and the signature header are the ones your code already parses.Scroll the drawing →
Same IDs
cus_, sub_, in_ and pi_ come back exactly as your database stored them. A bidirectional map holds the Whop id on the other side; you never see it, and you never migrate a primary key.
Same webhooks
Whop events are translated to Stripe event types and re-signed with a Stripe-Signature header your existing verifier accepts. Ordered per object, retried on the same backoff.
Same test cards
4242 4242 4242 4242 still approves; 4000 0000 0000 0002 still declines. Your test suite runs unchanged against the sandbox host before you touch live traffic.
Where it is not one line. Checkout and Payment Links are a host swap and nothing else. Elements is not: the mount points and the confirmation call differ enough that you are looking at a ~30-line component swap, once, per form. We would rather put that on the page than in a footnote after you have migrated.
Concept demo — not a Whop product. Built to argue a position, not to take a payment.