Your money never passes through us.

We wrote this guide because a marketplace that handles contracts and invoices owes you a straight answer about money. This is ours.

The short version

Step by step

1. You connect a processor once. In the vendor app, Payments asks for your Whop business ID and checks that the Lazo Payments app is installed on it. Nothing in Lazo stores your bank details or card credentials; Whop does the onboarding and identity checks, the same as if you had signed up with them directly.
2. You send an invoice in the thread. Deposit, milestone, balance, gratuity line if you allow one. The invoice sits next to the proposal and the signed agreement so the couple sees the whole picture.
3. The couple taps Pay. Lazo asks Whop to open a checkout for that exact invoice, on your business. The couple pays on Whop's hosted page. Lazo never sees the card number.
4. Whop tells Lazo the payment succeeded. We mark the invoice paid, post a receipt into the thread, update the couple's portal and your Money card, and stop any reminder that was scheduled. That is the whole of our involvement with the money.
5. Whop pays you out to the bank account you gave Whop. Whop's own documentation says a sale is available to withdraw in one to four business days, and a requested payout can take up to ten business days to reach your bank.⁴ Payout timing, instant-payout options, fees and any hold are set by Whop's terms, not by Lazo.

What Lazo controls

• The invoice: amounts, due dates, payment plans and reminders.
• The record: who paid what, when, against which agreement, with receipts in the thread and the couple's portal.
• The paper trail that wins disputes: the signed agreement, the questionnaire, the message history and the delivery timeline all live in one place, exportable when you need them. See Chargebacks and disputes.
• Our fee, which is zero.

What Lazo does not control

• Whether Whop approves your business, and what information it asks for.
• Whop's processing fee, payout schedule and payout methods.
• Whether Whop places a hold or reserve on your balance, and for how long. Whop's Seller Terms say it "may place reserves on your account (up to 100% of funds)" and may hold them "for as long as commercially reasonable" but "no longer than 180 days".¹ Its reserves page lists "long gaps between payment and delivery" among the triggers, which describes every wedding deposit.² Read both before you connect, and read our holds and reserves guide so none of it is a surprise.
• Chargebacks. A couple's bank can dispute a card payment whoever the processor is. We help you with the evidence; the decision is made by the card network.

Why Whop, and why your own account

We looked at two models. In the first, the marketplace holds the money and pays vendors out, which is how most booking platforms work. It is convenient and it lets the platform take a cut, but it also makes the platform the one who decides when you get paid, and a platform-wide problem becomes everyone's problem. In the second, each vendor holds their own account and the marketplace only connects the invoice to the checkout. We chose the second. It costs us a revenue line and it means a hold at the processor is yours to resolve, not ours, which is exactly why this resource exists.

Whop is the processor Lazo integrates with today because its API lets us open a checkout for one specific invoice on a business you own without moving money through Lazo. If we add another processor, this page will change the same day.

If you do not want card payments at all

Leave the processor disconnected. Your thread shows the methods you list in Payments (bank details, Zelle, Venmo, PayPal, a link to the invoicing tool you already use). When money arrives, mark the invoice paid and the thread, the portal and the reminders update as if a card had been used. Bank transfers cannot be charged back the way cards can, which many vendors prefer for balances over a few thousand dollars.

If your processor holds your funds

Tell the couple nothing has changed about their booking. Their payment succeeded, their receipt is in the thread, and the hold is between you and the processor. Then open the frozen-account playbook. If the processor asks for proof of the booking, the signed agreement, the invoice, the receipt and the message history are all in the thread, which is the fastest proof there is. Email vendors@meetlazo.com if you need a clean export.

Questions vendors ask us

Does Lazo ever hold my money?

No. We never have it.

Does Lazo see my Whop balance or bank account?

No. We see that a checkout we opened was paid, and the payment ID. Nothing else.

Can I use Stripe or Square with Lazo?

Not for in-thread card checkout today. You can list a link to any invoicing tool as one of your payment methods and record payments by hand.

What does Whop charge?

As of November 2026 Whop's published rate for US cards is 2.7% + 30¢ per payment, 1.5% capped at $5 for bank (ACH) payments, $2.50 for a next-day bank payout, and $15 per chargeback.³ Whop sets these and they can change; the link below is the current page. Lazo adds nothing on top.

Who decides a dispute?

The couple's bank. Whop's own words: "The customer's bank makes the final decision, not Whop."⁵ Whop debits the disputed amount and the $15 fee from your balance when the dispute opens, and you have roughly 7 to 21 days to send evidence.⁵

Who do I call if a payment is wrong?

For the invoice or the record, us. For the money, Whop. We will help you find the right contact and give you the payment ID.