Pay with Profits — Overview

Understand how Pay with Profits works: Admission Fees, PWP Fees, Risk Tiers, and what's different from standard Challenges.

Pay with Profits (PWP) is an alternative way to pay for a PipFarm Challenge. Instead of paying the full Challenge price upfront, you pay a small Admission Fee to get started and a PWP Fee later, which is deducted from your first payout on the Simulated Funded Account.

The Admission Fee is a fraction of the standard Challenge price. It scales with your account size and the Challenge type you pick, and the current price is shown at checkout.

The PWP Fee is a one-time fee based on a percentage of your initial account balance. The percentage depends on the Risk Tier you're placed into during the Challenge. The PWP Fee is deducted from your gross profit before the Profit Share split is applied, and it's only ever paid once from your first payout. After that, every subsequent payout is yours at your full Profit Share with no further deductions.

PWP Challenges also come with more generous hard limits than standard Challenges. The Max Loss is 10% (static), and the Max Daily Loss is 5%, both of which are the highest across all PipFarm Challenge modes. This gives your strategy room to play out naturally while your trading behaviour determines your Risk Tier.

ℹ️ Pay with Profits is available only in Consistency and Endurance modes, in both 1-Stage and 2-Stage formats. Account sizes range from 5K to 150K.

How it works

1. Pay the Admission Fee and start your Challenge. This is the only upfront cost. It's a small fraction of the standard Challenge price and gives you access to the full Challenge experience.

ℹ️ You can use Experience Points (XP) towards the Admission Fee at checkout, up to a maximum of 25% of the Admission Fee. This is lower than the 50% cap that applies to standard Challenges.

2. Trade the Challenge as normal. Your trading behaviour during the Challenge determines your Risk Tier. The tier is based on the worst of your two risk metrics: Max Loss usage and Max Risk usage. Lower risk means a lower PWP Fee and a higher Profit Share on the Simulated Funded Account.

3. Pass the Challenge and receive your Simulated Funded Account. Your Risk Tier is locked at this point and cannot be changed.

4. The PWP Fee is deducted from your first payout. The fee is taken from your gross profit first, and then the Profit Share split is applied to the remaining amount. Every payout after that is paid at your full Profit Share with nothing further deducted. For a full breakdown of the payout process, see the Payouts guide.

Risk Tiers

Your Risk Tier determines three things: the PWP Fee you pay, the Max Loss and Max Risk rules on your Simulated Funded Account, and your Profit Share. There are five tiers, ranging from Very Low to Very High.

Tier	PWP Fee	Max Loss	Max Risk	Profit Share
Very Low	1.0%	≤2%	≤0.5%	90%
Low	1.5%	≤4%	≤1%	80%
Moderate	2.0%	≤6%	≤1.5%	70%
High	2.5%	≤8%	≤2%	60%
Very High	3.0%	≥8%	≥2%	50%

Your tier is determined by the worst of your two risk metrics during the Challenge. For example, if your Max Loss usage qualifies you for the Low tier but your Max Risk usage puts you in the Moderate tier, you'll be placed into the Moderate tier. For a detailed breakdown, see the Risk Tiers guide.

ℹ️ When you pass the Challenge, you can choose to move to a higher Risk Tier than the one you qualified for — but not a lower one. For example, if you finish in the Very Low tier, you can select to move to Low, Moderate, High, or Very High. This is a one-time choice made when you pass.

Challenge rules

Pay with Profits is available in four Challenge formats. The risk limits are the same on all of them, and are intentionally generous to give your strategy room to play out while your Risk Tier is being determined. The profit target and the Trading Requirement are what change.

	One-stage Consistency	One-stage Endurance	Two-stage Consistency	Two-stage Endurance
Profit Target 1	12%	12%	6%	8%
Profit Target 2	N/A	N/A	6%	5%
Max Loss	10% static	10% static	10% static	10% static
Max Daily Loss	5%	5%	5%	5%
Max Risk	3%	3%	3%	3%
Consistency Score (challenge)	40%	N/A	40%	N/A
Consistency Score (funded)	40%	50%	40%	50%
Profitable Days	0	4	0	3

These are the highest hard limits available across all PipFarm Challenge modes. How you use them during the Challenge is what determines your Risk Tier and, ultimately, the terms of your Simulated Funded Account.

🚨 Max Risk is a hard breach. PWP does not use the Pip Protector strike system. The underlying Max Risk mechanic is the same (Reference Balance, Risk Window, Cooling Down), but there are no strikes — if you reach the 3% Max Risk limit during the Challenge, the Challenge is breached immediately. On the Simulated Funded Account, the same applies: reaching your Max Risk limit is an immediate breach with no warnings.

What's different from standard Challenges

PWP Challenges and Simulated Funded Accounts have a few key differences from the standard model:

There is no Pip Protector on PWP accounts. On standard accounts, the Pip Protector uses a three-strike system for Max Risk. On PWP, Max Risk is a hard breach on both the Challenge and the Simulated Funded Account — one breach and the account is terminated. The underlying risk mechanic is the same (Reference Balance, Risk Window, Cooling Down), but there are no strikes or escalation.
Experience Program rank benefits do not apply to Max Loss, Max Daily Loss, or Profit Share.
Only the following Add-Ons are available: Extended Time Limit, Payout Frequency, and Swap-Free.
Your first payout is on demand at no extra cost on accounts purchased on or after 27 August 2026.

Frequently asked questions

Can I pay the Admission Fee with XP?

Yes. XP can be applied to the Admission Fee at checkout, up to a maximum of 25% of the Admission Fee. On standard Challenges the cap is 50%, but for Pay with Profits it is 25%. See the Experience Program for how XP values are calculated.

How do payouts work on a PWP account?

The PWP Fee is deducted from your first payout only. After that, every payout is at your full Profit Share. For the full breakdown including minimum thresholds, payout caps, and worked examples, see the Payouts guide.

Do higher-risk tiers have to pay more out of pocket upfront?

No. Every trader pays the same Admission Fee for the same Challenge type and account size, regardless of tier. The difference lies in the PWP Fee, which is deducted from your first payout. A higher-risk tier means a larger PWP Fee deduction from your profit and a lower Profit Share going forward, but your upfront cost is always the same.

How is my Risk Tier calculated?

Your tier is based on the worst of two metrics during the Challenge: your Max Loss usage and your Max Risk usage. Whichever metric places you in the higher tier is the one that counts. This encourages disciplined trading across both dimensions, not just one.

What happens on the Simulated Funded Account?

Your Simulated Funded Account has a Max Loss and Max Risk limit set by your Risk Tier, both of which are hard breaches — reaching either limit terminates the account immediately. There is no Pip Protector and no strike system on PWP accounts. Experience Program rank benefits do not apply to Max Loss, Max Daily Loss, or Profit Share. Only the Extended Time Limit, Payout Frequency, and Swap-Free Add-Ons are available.

Do Experience Program rank benefits apply?

You still earn XP and progress through ranks, but rank benefits do not apply to Max Loss, Max Daily Loss, or Profit Share on PWP accounts. Other rank benefits still apply as normal, including leverage tier, commissions, and scaling increments.

How many PWP Challenges can I have?

There is no limit on how many PWP Challenges you can participate in. However, the maximum funded allocation from Challenges is $300,000 before scaling, and you can hold up to 5 Simulated Funded Accounts at a time. These limits are the same as those of other Challenge-promoted Simulated Funded Accounts and are separate from Instant accounts.

Can Power-Ups be used with PWP Challenges?

Most Power-Ups are available, but Imposter and Gold Rush cannot be used with Pay with Profits Challenges.

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