The best 2Checkout alternatives for WHMCS

Why WHMCS businesses leave 2Checkout

Most reasons come down to who owns the renewal and how long the money takes. These six push WHMCS businesses to look elsewhere.

1. 01

   Customers pay on 2Checkout's page

   WHMCS ships 2Checkout as a third-party gateway: the client leaves your site to pay. With the old inline style retired, every payment runs on 2Checkout's hosted page.

   Source: WHMCS's 2CheckOut module docs, updated August 2026

   With Whop: Customers pay on your WHMCS site, in your theme. A bank or payment app that needs its own screen sends them straight back.

2. 02

   Renewals are 2Checkout subscriptions

   WHMCS keeps no card for 2Checkout: renewals run as 2Checkout subscriptions. WHMCS also turns off Attempt Capture, its button for charging a saved card, on every third-party gateway.

   Source: WHMCS's payment gateway docs, 2026

   With Whop: The card is saved as a WHMCS Pay Method that WHMCS charges at renewal, and Attempt Capture works. If the bank asks for authentication, the client pays by hand.

3. 03

   Every account is reviewed by hand first

   2Checkout's underwriting team reviews each new account manually before it can sell. It asks for tax IDs, proof of address and owners' national IDs for a soft credit check.

   Source: 2Checkout's account activation guide, 2026

   With Whop: You can start selling, with a limited set of payment methods, before Whop verifies you. Withdrawals wait for verification.

4. 04

   A 90-day reserve and weekly payouts

   2Checkout holds a risk-based share of your sales on a rolling 90-day basis. The rest pays out weekly once the balance reaches $50, and each wire costs $15.

   Source: 2Checkout's payouts documentation, 2026

   With Whop: Card sales are ready to withdraw in about two business days once Whop has verified your business; timing varies by country and account. Whop can hold a reserve too.

5. 05

   Fees start at 3.5% + $0.35

   A sale costs 3.5% + $0.35 on 2Sell, the entry plan, or 4.5% + $0.45 on 2Subscribe. Payments from abroad add 2%, unless your business is registered in one of 23 exempt countries, the US and UK among them.

   Source: 2Checkout's pricing page, archived October 4, 2026, and its cross-border fee page

   With Whop: A base rate of 2.7% + $0.30 per domestic card. Whop also lists $0.03 for 3D Secure and $0.07 for fraud screening per payment, and on foreign cards a US business pays less on 2Sell.

6. 06

   Paid renewals that never reached the invoice

   In January 2022, a host said WHMCS recorded only one of the two renewal messages for a service and its add-on, a bug the poster said WHMCS had logged in 2020 and still hadn't fixed. In another thread, from October 2022, 2Checkout stopped sending renewal messages for weeks; WHMCS's product manager confirmed the fault was 2Checkout's. Both posters applied payments by hand.

   Source: a January 2022 thread and an October 2022 thread on the WHMCS community forum

   With Whop: No outside subscription has to report the renewal. WHMCS's cron charges the saved card, and the invoice turns Paid once Whop confirms.

2Checkout alternatives for WHMCS, ranked

Whop ranks first for most WHMCS businesses leaving 2Checkout; each of the others fits a narrower case. Whop is also my pick for the best WHMCS payment gateway overall. Here is that ranking without 2Checkout.

Sources: published US base rates, October 2026, from Whop's fee schedule and each provider's pricing page.

• Whop. Customers pay on your WHMCS site, WHMCS charges saved cards at renewal, and the US base rate is below 2Sell's, in a free module.
• Stripe. Bundled, with saved cards and 3D Secure, in Stripe's 44 signup countries; my Stripe alternatives for WHMCS page compares it with Whop.
• PayPal Payments. Bundled, and it saves PayPal accounts for renewals where PayPal approves you. A good second button, but a PayPal Checkout payment costs more than a card on Whop or Stripe.
• Authorize.net. Its CIM module keeps cards at Authorize.net for WHMCS to charge, if you already have a merchant account. Every plan costs $25 a month before card fees.

Also an option: GoCardless renews by bank debit in 8 invoice currencies, but takes no cards and can't refund from WHMCS.

Not ranked: Paddle is the merchant-of-record route, with no WHMCS module and a policy written for software companies. WHMCS's only Mollie module takes one-time iDEAL payments, and WHMCS 9.0 bundles no Braintree module.

The 2Checkout module WHMCS ships

WHMCS ships one 2Checkout module, named 2CheckOut, and it is still current in WHMCS 9.0 and 8.13.

What changed, and what still applies

• The Checkout Style setting is on its way out. WHMCS plans to remove it now that the module always uses Standard Checkout, and choosing Inline can crash Chrome.
• The last change shipped in WHMCS 8.11. It added support for 2Checkout's SHA verification hashes. The 8.12, 8.13 and 9.0 change logs list nothing for 2Checkout.
• 2Checkout's own connector is separate. It works only with 2Sell and 2Subscribe accounts, and nothing public shows it tested on WHMCS 9.
• Other currencies are converted first. Convert To For Processing must match your 2Checkout account currency, so WHMCS converts other invoices at its own exchange rates. Whop charges each invoice in its own currency; the module supports 77 invoice currencies.

Whop vs 2Checkout for WHMCS

Whop wins on domestic cards and on where your customers pay; 2Sell wins on foreign cards for a business in one of its 23 exempt countries. Here is every criterion side by side.

Sources: 2Checkout's pricing page, its cross-border fee and payouts pages, Whop's fee schedule and WHMCS's module docs, checked October 2026.

What one card payment costs

For a US business, Whop's base rate is lower on domestic cards, and 2Sell's on foreign ones, since Whop adds 1.5% for international cards.

Base rates only: no currency conversion, and none of Whop's per-payment 3D Secure or fraud-screening fees.

Refunds are close to a tie: both refund in full or in part from the WHMCS invoice, though 2Checkout's self-serve window closes after three months.

How to switch from 2Checkout without losing renewals

Run Whop beside 2Checkout, move each client at their next invoice, and cancel their 2Checkout subscription before it bills again. Nothing is imported, since WHMCS holds no 2Checkout cards, and 2CheckOut stays active, just hidden, for past payments.

Never deactivate 2CheckOut to switch. WHMCS reassigns a deactivated gateway's services, invoices, transactions and pay methods to the gateway you pick (WHMCS's gateway docs). Old 2Checkout payments would then be labeled Whop, and Whop can't refund them.

1. 01

   List your 2Checkout subscriptions

   List the active subscriptions in 2Checkout. In WHMCS, find the services and unpaid invoices on 2CheckOut, and note which clients pay by hand.

2. 02

   Install Whop beside 2Checkout

   Install the free module, test a payment in Whop's Sandbox, then go Live. In Payment Gateways, turn Show on Order Form on for Whop Payments and off for 2CheckOut. 2CheckOut stays active, just hidden from the order form.

3. 03

   Move each client at their next invoice

   Set the client's service and upcoming invoice to Whop Payments. The client pays with a card that Whop Payments can save; check Payment Methods for it before relying on automatic collection.

4. 04

   Cancel the subscription at 2Checkout

   Hiding 2CheckOut doesn't stop a 2Checkout subscription. Before it bills again, open it in 2Checkout's Subscriptions management, choose Stop automatic billing, then Now, and tick Cancel subscription when automatic billing ends, or the client may pay twice.

5. 05

   Watch one full renewal cycle

   Confirm the next renewal is paid once, by Whop, with no 2Checkout renewal message in the Gateway Log. Then move the next group.

6. 06

   Keep old payments with 2Checkout

   Refund a 2Checkout payment from its original invoice within three months; the refund still goes through 2Checkout. From three to twelve months, ask 2Checkout. Keep 2CheckOut active until nothing is left to refund or dispute.

The switch guide in the module's docs (opens in a new tab) covers the same steps for any gateway.

2Checkout alternative questions