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. For example, a $10K Consistency 2-Stage Challenge has an Admission Fee of $15, and a $100K Consistency 2-Stage Challenge has an Admission Fee of $79. Accounts are available from $5K up to $100K.
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.
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.
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.
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.
Admission Fee examples
The Admission Fee scales with account size. Here's a comparison across a $10K and $100K account:
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 $100K.
Challenge rules
PWP Challenges use the same rules regardless of whether you're on Consistency or Endurance mode. The limits are intentionally generous to give your strategy room to play out while your Risk Tier is being determined.
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 Programme 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.