WhopWhop
67
Side-by-side card comparison
Whop vs Solayer Pay: fees, rewards and account setup
Whop Card has the higher Overall Score by 12 points (67 vs 55). Whop Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Solayer Pay Card may still be the better personal fit.
Information checked Aug 12, 202645 official sources reviewed
01 · Make the first cut
Whop Card is the better all-round starting point
Whop Card has the higher Overall Score in this comparison. Solayer Pay Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallWhop67Solayer Pay55Higher score
CashbackWhop39Solayer Pay20Higher score
TravelWhop57Solayer Pay53Higher score
Funds controlWhop74Solayer Pay47Higher score
Lowest feesWhop56Solayer Pay43Higher score
TransfersWhop92Solayer Pay29Higher score
Choose Whop Card if cashback and travel matter most
Whop Card comes out ahead for Cashback, Travel, Funds control, Lowest fees, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Spend Whop revenue before bank payout
- Five percent in three business categories
- Team controls and phone-wallet support
Choose Solayer Pay Card if its day-to-day setup suits you
Solayer Pay Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. The other card looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers, so compare that advantage with the features you would actually use.
- Virtual and physical Visa cards
- Spend USDC from Solana
- sUSD can earn while spendable
The differences that could change the result
The overall score points one way, but a specific use case or product condition may point another.
- Overall Score
- Whop67Solayer Pay55
Whop Card has the higher Overall Score by 12 points.
- Entry cost & FX
- WhopNot verified plan · 1% FX and 1% cross-border are separate contractual layers; universal stacking is not confirmed FXSolayer Pay$20/year plan · Up to 3% stated + $0.10; components may stack FX
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- Purchase rewards
- Whop0% base · up to 5%Solayer Pay0% base
Both cards show the same base cashback rate of 0%.
- Funds control
- WhopHybrid custodySolayer PayCustodial balance
Whop Card uses a hybrid custody setup, while Solayer Pay Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- WhopVirtual + Physical · Apple Pay, Google PaySolayer PayVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Whop2 stablecoins · Stablecoin transfers; Next-day ACH payout, Instant bank RTP payout, Venmo payout, Bank wire payout +1Solayer Pay1 stablecoin · Not modeled
Whop Card lists more stablecoins and ways to send money out (8 vs 1).
02 · Read the shortlist
A closer look at the two cards
These quick facts cover the costs, rewards and everyday features most likely to shape your choice. Use the full table below when you want the finer details.
- Cashback
- 0%-5%
- Plan cost
- Not disclosed
- FX fee
- 1% FX and 1% cross-border are separate contractual layers; universal stacking is not confirmed
- ATM fee
- ATM access, issuer fee and limit are not separately confirmed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 2 fiat
- Payout methods
- 1 crypto · 1 fiat
- Cashback
- 0% base
- Plan cost
- $20/year
- FX fee
- Up to 3% stated + $0.10; components may stack
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 0 crypto · 0 fiat
03 · Compare the details
Compare the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsWhop CardOverall67Solayer Pay CardOverall55
Whop CardOverall67Solayer Pay CardOverall55Scores
6 fields- Overall Score
- Whop Card67Solayer Pay Card55
- Cashback score
- Whop Card39Solayer Pay Card20
- Travel score
- Whop Card57Solayer Pay Card53
- Funds control score
- Whop Card74Solayer Pay Card47
- Lowest fees score
- Whop Card56Solayer Pay Card43
- Transfers score
- Whop Card92Solayer Pay Card29
Strengths & trade-offs
2 fields- Strengths
- Whop CardSpend Whop revenue before bank payout, Five percent in three business categoriesSolayer Pay CardVirtual and physical Visa cards, Spend USDC from Solana
- Trade-offs
- Whop CardBusiness-only with strict country exclusions, Several costs and the foreign stack remain unclearSolayer Pay CardPurchases earn Emerald Points, FX costs vary by region
Costs
7 fields- Plan cost
- Whop CardNot disclosedSolayer Pay Card$20/year
- FX fee
- Whop Card1% FX and 1% cross-border are separate contractual layers; universal stacking is not confirmedSolayer Pay CardUp to 3% stated + $0.10; components may stack
- Top-up fee
- Whop CardDirect card top-up fee unknown; a provider-account stored-payment-method top-up is 0%Solayer Pay Card1%
- Card spending fee
- Whop Card0%Solayer Pay Card$0.15
- ATM fee
- Whop CardATM access, issuer fee and limit are not separately confirmedSolayer Pay CardNot disclosed
- Virtual card
- Whop CardNot disclosedSolayer Pay Card$0 virtual card; included with the $20/year Solayer Pay base plan
- Physical card
- Whop CardNot disclosedSolayer Pay CardFree card; US Express shipping $24.99 or International Express shipping $59.99
Plans
2 fields- Available plans
- Whop CardNot disclosedSolayer Pay Card1 plans: Solayer Pay
- Top cashback plan
- Whop CardNot disclosedSolayer Pay CardNot disclosed
Everyday use
8 fields- Network
- Whop CardVisaSolayer Pay CardVisa
- Card formats
- Whop CardVirtual, PhysicalSolayer Pay CardVirtual, Physical
- ATM withdrawals
- Whop CardNot disclosedSolayer Pay CardAvailable
- Mobile wallets
- Whop CardApple Pay, Google PaySolayer Pay CardApple Pay, Google Pay
- Apps
- Whop CardiOS, AndroidSolayer Pay CardiOS, Android
- Daily spending limit
- Whop CardDynamic and collateral-dependent; users can set per-card controls, but no universal provider amount is publishedSolayer Pay CardShown in app
- Monthly spending limit
- Whop CardDynamic and collateral-dependent; Whop or issuer can change the aggregate or per-card limitSolayer Pay CardShown in app
- ATM limit
- Whop CardATM access and numeric withdrawal limits are unclearSolayer Pay CardLimits shown in app
Funding & transfers
5 fields- Networks
- Whop CardEthereum, Polygon, Optimism, ArbitrumSolayer Pay CardSolana
- Crypto deposits
- Whop CardStablecoins: USDTSolayer Pay CardStablecoins: USDC
- Fiat deposits
- Whop CardStored payment method top-up, Dynamic bank deposit instructionsSolayer Pay CardNot disclosed
- Transfers
- Whop CardStablecoin transfers; Next-day ACH payout, Instant bank RTP payout, Venmo payout, Bank wire payout +1Solayer Pay CardNot disclosed
- Payout currencies
- Whop CardUSDSolayer Pay CardNot disclosed
Rewards
3 fields- Base cashback
- Whop Card0%Solayer Pay Card0%
- Max cashback
- Whop Card5%Solayer Pay CardNot disclosed
- Reward currency
- Whop CardWhop account cash-back creditSolayer Pay CardEmerald Points
Earn
5 fields- Advertised APY
- Whop CardUp to 6% APYSolayer Pay CardUp to 3.5% APY
- How it works
- Whop CardOptional earn vaultSolayer Pay CardEarn on spending balance
- Separate deposit
- Whop CardNoSolayer Pay CardNo
- Use balance for spending
- Whop CardNot disclosedSolayer Pay CardYes
- Lock-up
- Whop CardNoSolayer Pay CardNo
Trust & availability
6 fields- Custody
- Whop CardHybrid custodySolayer Pay CardCustodial
- Control until payment
- Whop CardProvider controls fundsSolayer Pay CardProvider controls funds
- Card issuer
- Whop CardThird NationalSolayer Pay CardThird National
- Custody / key management
- Whop CardPrivySolayer Pay CardNot disclosed
- Identity verification
- Whop CardNot disclosedSolayer Pay CardSumsub
- Programme operator
- Whop CardNot disclosedSolayer Pay CardSolayer Labs, Inc.
Sources
2 fields- Official sources
- Whop Card20Solayer Pay Card25
- Last reviewed
- Whop CardAug 11, 2026Solayer Pay CardAug 12, 2026
04 · The takeaway
Whop Card is the stronger all-round choice
Whop Card finishes ahead with an Overall Score of 67 versus 55 for Solayer Pay Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Both cards show the same base cashback rate of 0%.
Solayer Pay Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Whop Card uses a hybrid custody setup, while Solayer Pay Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Whop Card lists more stablecoins and ways to send money out (8 vs 1). Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full Whop Card and Solayer Pay Card reviews first.
Continue with
Whop Card
Continue with
Solayer Pay Card
05 · Common questions
Whop vs Solayer Pay FAQ
Is Whop or Solayer Pay better overall?
Whop Card has the higher Overall Score (67 vs 55). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, Whop or Solayer Pay?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Whop or Solayer Pay?
Both cards show the same base cashback rate of 0%. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Whop and Solayer Pay differ on custody?
Whop Card uses a hybrid custody setup, while Solayer Pay Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Whop vs Solayer Pay comparison?
The latest information check for these two cards was August 12, 2026, using 45 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.