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Payment Processing Comparison · By Zach Schleien · · 9 min read
Commas (formerly FanBasis) vs Kajabi Payments: What Course Sellers Should Compare
Compare the full cost of selling courses, then separate ordinary digital education from OnlyFans agency and adult-business requirements.
This is part of Head to head comparisons. Side by side spec tables and verdicts for the processors people shortlist.
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A useful comparison starts with what you sell. A course business, an OnlyFans management agency, and an individual adult creator do not have the same payment requirements. Commas told us they do not accept OnlyFans management agencies or adult entertainment.
FanBasis renamed to Commas on July 14, 2026. It remains the same company, with the same team and infrastructure. This Commas vs Kajabi Payments comparison replaces unsupported rate claims with the costs and responsibilities you can actually check.
For ordinary education businesses, our guide to payment processors for online courses provides broader context. Adult businesses should prioritize written category approval over course-platform features.
What is the actual fee math for course sellers?
There is no verified basis here for saying Commas is cheaper or more expensive than Kajabi Payments. Compare the payment quote, platform subscription, financing costs, dispute charges, and payout fees for the features you will actually use.
| Option | Verified pricing position | Business fit |
|---|---|---|
| Commas | Free to create an account; fees depend on enabled features. Commas told us they will match or beat your current rate. | Courses, coaching, communities, webinars, and digital services; not an adult-business option |
| Kajabi Payments | Check its current pricing page and applicable platform plan | Evaluate for your course business; do not assume adult-category approval |
| Whop | 2.7% + $0.30 per domestic card transaction; no monthly fee; additional services can add charges | An option for OnlyFans management agencies, not individual adult creators |
| Easy Pay Direct | Quote-based pricing | High-risk merchant accounts, subject to underwriting for your exact business |
Agencies can review Whop and our guide to payment processors for OnlyFans agencies. Compare agency service billing separately from payments for adult content.
Will my account get banned for scaling too fast?
Fast growth alone is not proof that an account will be closed. The original comparison's automatic revenue and refund triggers were unsupported. Before increasing sales, explain your business model, delivery schedule, refund policy, and expected volume to the underwriting team.
Commas does not publish pricing, and every processor's terms allow holds.
A merchant-of-record arrangement does not remove account review or reserve exposure. Whop's seller terms allow it to hold up to 100% of funds for up to 180 days. For an adult business, written approval for the actual activity matters more than whether the provider markets itself to creators.
Our explanation of why Stripe freezes accounts covers the broader risk issues. Do not treat another seller's experience as your account's contractual hold policy.
Who handles the global sales tax headache?
Payment processing and tax remittance are separate responsibilities. Ask who is the legal seller, who calculates tax, and who files and remits it. A checkout feature alone does not establish that the platform takes over those duties.
| Option | What is established | What to verify |
|---|---|---|
| Commas | Merchant-of-record status is not stated in its public materials | Tax responsibilities under your agreement |
| Kajabi Payments | No verified tax-remittance scope is established in this comparison | Which tax services are included or require separate tools |
| Whop | Merchant of record for card-network rules and payment settlement; tax merchant of record only with Whop Collects and Remits enabled | Tax and remittance adds 2% when tax is collected |
Read our guide to what a merchant of record does before assuming that payment settlement also includes tax compliance.
Does it support high-ticket BNPL for better conversions?
Commas has a broader verified financing offering than the original article described. That is relevant to eligible education businesses, not a financing route for excluded adult businesses. Approval, fees, and payout terms depend on the financing partner.
| Platform | Verified financing information | Important limit |
|---|---|---|
| Commas | Its guide lists 10 financing partners covering $30 to $465,000; Credit Key provides the upper limit for business buyers | Financing applies to one-time purchases, not subscriptions; most partners are US only |
| Kajabi Payments | Check currently available providers and pricing for your account | Do not assume that another processor's financing options are included |
| Whop | Klarna, Afterpay, and other financing partners; 15% per financed transaction | Agency payment acceptance does not establish financing eligibility |
No conversion increase should be assumed for your business. Eligible education sellers can consult our guide to BNPL for high-ticket coaching programs. Adult businesses need explicit approval for both their payment activity and any proposed financing product.
Is migration a nightmare or a breeze?
Migration is a project to scope, not a reason to accept unsupported promises. Confirm which course files, customer records, community memberships, and subscriptions can move before closing your existing account.
| Platform | What you can rely on | What to ask |
|---|---|---|
| Commas | Courses, members, and subscriptions can move; Commas says its team handles migration directly for larger sellers | Which records and billing arrangements transfer for your eligible business |
| Kajabi | No migration timing or payment-token portability claim is verified here | Available exports and recurring-billing transfer requirements |
| Whop | A public developer API and documentation are available | Migration scope, support, costs, and customer actions required |
For OnlyFans management agencies, review Whop's current terms before planning a move. Individual adult creators should seek a dedicated high-risk account approved for their activity. Use our payment processing fee reduction guide to compare total costs rather than headline rates.
Verified September 2026. Source: Whop's published pricing and seller terms. Kajabi rates and migration timelines are not verified in this comparison.
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Frequently Asked Questions
Is Commas safer than Kajabi for high-risk sellers?
There is no verified basis for a blanket safety ranking. Choose a provider that approves your exact business model in writing, and review its reserve, dispute, and account-termination terms.
Who has the fastest payouts between Commas and Kajabi?
Commas told us standard payouts arrive in 2 business days. Kajabi payout timing is not verified here, so this comparison cannot name a speed winner. Check account-specific availability and conditions.
Do I need separate course hosting with Commas?
Commas includes courses, paid communities, checkout, an AI funnel builder, webinars with native checkout, and affiliate programs in one account. Separate hosting is not automatically required for those features.
Can an OnlyFans management agency migrate from Kajabi to Whop?
Whop is an option for OnlyFans management agencies, not individual adult creators. Confirm approval and map customer records, subscriptions, and billing permissions before moving. No migration subsidy or completion deadline is verified here.