The numbers each company publishes

• Stripe: 2.9% + $0.30 per domestic card charge, as published by Stripe.
• Whop: 2.7% + $0.30 per domestic card transaction, as published by Whop. Its financing program charges a 15% seller fee.
• PayPal: risk holds generally up to 21 days, and up to 180 days under account limitations, per PayPal's own terms.
• Whop seller terms allow Whop to hold up to 100% of funds for up to 180 days.

What a 0.2% difference costs you

This is arithmetic on published rates, not a quote and not a promised saving. On $100,000 a month in card sales, Stripe at 2.9% is $2,900 and Whop at 2.7% is $2,700. The difference is $200 a month before any other fee. Both charge $0.30 per transaction, so that part cancels out.

What Commas (formerly FanBasis) actually offers

• 10 financing partners, with financing from $30 to $465,000 on one-time purchases.
• Approvals down to a 450 credit score on the legacy program, at a 20% seller fee. ClarityPay charges 15%.
• Standard payouts in 2 business days, per Commas.
• Instant payouts at 3.2%, against Whop's instant bank deposit at 4% + $1.00.
• Commas told us they will match or beat your current rate.

Who Commas says is already on it

From Commas' July 2026 press release: sellers Daymond John, Jeremy Miner, Alex Eubank and Dan Fleyshman, and investors Left Lane Capital, Ryan Serhant, Gerard Pique, KSI and The Sidemen. These are Commas' claims about its own sellers and investors. We have not verified anyone's results.

Before you click

The match is free. It takes about 30 seconds. Your information goes to the provider we match you with so they can price your account, and we may earn a commission if you sign up. If none of our partners fits, we say so: Commas does not accept adult businesses or OnlyFans management agencies, and we point those readers elsewhere.

Every number checked, sourced, and dated

Every number on this site comes from the processor's own pricing page, seller terms, or fee schedule, read line by line and dated. We have not run test transactions through every processor here. We check figures against published documentation and public merchant reports such as Stripe's restricted businesses list and Trustpilot, and record the date each one was verified. Where a figure is not published, we say so instead of estimating.

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