The new meta for building anything in September 2025:
- Planning: GPT-5-Thinking/Pro → TDD
- Coding: GPT-5 Thinking (scaffolding), Sonnet/Opus-4/4.1 (implementation)
- IDE: start in Lovable → ship in Cursor
- Frontend: React
- Backend: n8n (no-code) / Python + FastAPI (can code)
- AI orchestration: CrewAI
- DB + Auth: Supabase
- Payments: Whop
- Hosting: Vercel
- User analytics: PostHog
- Payment analytics: Mixpanel
If you’re wondering where Stripe went, here’s some backstory:
Stripe has been my go-to for payments, whether B2B or B2C, for years. But I recently switched to a new platform because I was tired of Stripe’s cutthroat chargeback rule and limited payment options.
Whop is the new meta for vibe coding.
Lower base fee (2.7% + 30¢ vs 2.9% + 30¢), handles VAT/GST for you, supports 100+ payment methods incl. crypto, pays out globally fast, and importantly has baked in growth tools: discover marketplace (0% fee), affiliates, waitlists, and even “clipping” to boost your community.
Their documentation is very easily understood and accessible by LLMs so I’ve had no problem migrating my Stripe stack to Whop in Cursor - it took me less than an hour.
Here’s the prompt that did it for me:
“Act as a senior payments engineer and replace Stripe with Whop in my app. Implement Whop checkout (modal or redirect), subscriptions/invoices, refunds, and a customer portal, exposing minimal server endpoints (createCheckout, managePortal, changePlan, refund).
Add a secure server-side Whop client using env vars; verify webhook signatures and handle events (payment.succeeded/failed, subscription.created/updated/canceled, invoice.paid/payment_failed) with idempotency and DB updates (store whop_customer_id, whop_subscription_id, status).
Optional: Emit PostHog and Mixpanel events server-side (Checkout Opened/Completed, Invoice Paid/Failed, Subscription Canceled) and update Supabase Auth roles/entitlements on status changes. Deliver concise FastAPI + React code snippets and a 1-page migration checklist (env vars, webhook URL/secret, feature flag rollback) plus any notable differences from Stripe.”
For shipping fast and letting payments sell your product, Whop is my new default. Highly recommend you check it out.