Online courses & info-products
Coaching programs, course bundles, ebooks, signal groups. Stripe flags these as elevated-risk and freezes accounts on launch spikes. The platforms we cover were built for this.
Payment processor index · independent since 2026
Sell your digital products without Stripe freezing your account.
Honest, hands-on comparisons of the platforms that actually accept coaches, course creators and paid communities. We rank on the all-in effective fee, not the headline rate. No paid placement, ever.
Payment processor index
The full comparison
| Platform | Effective fee | MoR | Payout | Freeze risk | |
|---|---|---|---|---|---|
 | from 2.4%US card rate | Partial | Same-day–5d | Low | Start free |
 | 2.9% + $0.30processing only | No | 2–7 days | High | |
 | ~5% + $0.50all-in MoR | Yes | Net terms | Low | |
 | 5% + $0.50all-in MoR | Yes | 1st & 15th | Medium | |
 | ~13.7% all-in10% + processing | Partial | Weekly | Medium |
Whop: a lower fee than Stripe on every sale, and no 90–180 day account freezes. How we score →
Our pick for digital products
The best home for sellers who can’t risk a Stripe freeze: checkout, courses and community in one place.
- No surprise account freezes on launch spikes
- 2.7% + $0.30 per transaction, no monthly fee
- $3.4B+ paid out to 211K+ creators
Iman Gadzhi made $25M+ · TJR runs $1M/month · Airrack $250K/month. All on Whop.
Start selling on Whop, free
Free to start · no monthly fee
Affiliate link. We earn a commission, you pay the same price.
Built for digital product sellers
Paid communities & memberships
Discord servers, Telegram channels, recurring memberships, masterminds. Where Stripe stops, platforms with native gating and built-in tax handling pick up.
Sell without surprise account holds
Stripe freezes accounts at sudden volume spikes, dispute rates above 0.75%, or “elevated-risk” categories. The platforms we cover do not block sellers without reason.
How we work
- No vendor pays for placement, ever.
- Every figure traces back to official documentation and our own test accounts.
- We disclose every commercial relationship at the point of the link.
- Articles are revisited quarterly. Stale data gets fixed.
Start with the full comparison
The all-in numbers, side by side, with the freeze risk that actually matters.
Read the flagship guide