Collect payments for connected accounts

Direct charges and transfers for connected accounts

There are two ways to collect payments for connected accounts:

1. Direct charges: Create a checkout for the connected account and collect an application fee.
2. Transfers: Collect payment to your platform account and transfer funds to connected accounts later.

Direct charges

Create a checkout configuration with a connected account’s company ID to charge customers directly on the connected account. The connected account is responsible for Whop fees, refunds, and disputes.

How it works

1. Create a checkout configuration for your connected account with an application_fee_amount
2. When a customer purchases, Whop creates the charge directly on the connected account
3. Your platform collects the application fee, and the remaining amount goes to the connected account
4. The connected account handles any disputes or refunds for the transaction

Example

TypeScript

import Whop from "@whop/sdk";

const client = new Whop({
	apiKey: "Company API Key",
});

const checkoutConfig = await client.checkoutConfigurations.create({
	company_id: "biz_xxxxxxxxxxxxx", // Connected account's company ID
	plan: {
		initial_price: 10.0,
		plan_type: "one_time",
		application_fee_amount: 1.23,
	},
});

console.log(checkoutConfig.purchase_url);

In this example:

• company_id is the connected account’s company ID where Whop will create the charge
• plan.initial_price is the total payment amount (10.00 United States dollars)
• plan.application_fee_amount is the fee your platform collects (1.23 United States dollars)
• The connected account receives 8.77 United States dollars (10.00 - 1.23)

Limitations

• The application_fee_amount must be positive and less than the total payment amount
• The application fee can’t exceed the captured payment amount

Transfers

Use transfers when your platform collects the payment first, or when your backend decides how much and when to pay each connected account.

Before you transfer

• Origin company: the company sending funds must complete Know Your Customer (KYC) verification and have enough balance for the transfer. You can top up the balance from the dashboard or via Add funds to your balance.
• Destination company: the recipient must already have a Whop company. If they don’t, onboard them first with Enroll connected accounts.
• Settlement ownership: with transfers, your platform is the merchant of record for the original payment. Your platform handles fees, disputes, and refunds on that payment.

Example

Collect payment to your platform company, then transfer the connected account’s share:

TypeScript

import Whop from "@whop/sdk";

const client = new Whop({
	apiKey: "Company API Key",
});

const transfer = await client.transfers.create({
	amount: 90.0,
	currency: "usd",
	origin_id: "biz_yyyyyyyyyyyyy", // Platform's company ID
	destination_id: "biz_xxxxxxxxxxxxx", // Connected account's company ID
	metadata: {
		order_id: "order_12345",
	},
});

console.log(transfer.id);

In this example:

• origin_id is your platform’s company ID (where Whop deducts funds)
• destination_id is the connected account’s company ID (where Whop credits funds)
• amount is the amount to transfer
• metadata stores custom data for your reference

Handle transfer failures

Transfers fail if the origin company isn’t verified, the origin balance is too low, or the destination company can’t receive funds yet. Fix the underlying cause before retrying. Don’t retry failed transfers without reviewing the cause.

Common uses

• Scheduled creator payouts
• Affiliate payouts
• Marketplace splits after an order settles

Choose a payment flow

	Direct charges	Transfers
Fees	Connected account pays Whop fees	Platform pays Whop fees
Disputes	Connected account handles disputes	Platform handles disputes
Refunds	Connected account handles refunds	Platform handles refunds

Use transfers when your backend controls payout timing and amount. Use direct charges when the connected account should own fees, disputes, and refunds from the original purchase.

API reference

Create Checkout Configuration

Create checkout configurations with application fees

Create Transfer

Transfer funds between accounts

Related resources

Accept payments

Learn about checkout links and embedded checkout

Enroll connected accounts

Create recipient companies and finish onboarding before paying them