PipFarm Cuts Every Pay With Profits Fee by 0.5 Percentage Points, Which It Says Saves $500 on a $100K Account, and Pairs It With a 40% PROFIT Code
PipFarm has lowered the fee on its Pay With Profits option by 0.5 percentage points in every risk tier, according to a Forex Prop Reviews report published on 10 November 2026. The firm says the cut is worth $500 on a $100,000 account whatever tier is chosen, and a separate 40% discount is available with the code PROFIT. Pay With Profits is the model where the fee is not paid at checkout but deducted from the trader’s first payout, so the change affects what a successful trader keeps, not what they spend on day one. JoinProp has no firm review page for PipFarm at the address we use, so this story carries no review link, and every figure below is attributed to the report, not to PipFarm’s own pricing page, which JoinProp has not confirmed.
What Changed in the Pay With Profits Pricing
The report says every Pay With Profits risk tier now carries a fee that is 0.5 percentage points lower than before. It does not list the old or new percentages for each tier, and JoinProp has not seen a full fee table, so we cannot say what any single tier now costs. What the report does give is the headline example: $500 less on a $100K account, regardless of tier.
That example is internally consistent. Half a percentage point of $100,000 is $500, which is JoinProp’s own arithmetic from the figures given. It also tells us the fee is calculated on the account size, not on the trader’s profit, because the saving is the same at every tier on the same account. On a $50,000 account, the same logic would imply a $250 saving, but that is our calculation and PipFarm has not stated it.
The structure itself is unchanged. The fee is not paid upfront. PipFarm deducts it from the first payout, so a trader who never reaches a payout never pays it, according to the report’s description of the model.
How Pay With Profits Works and Who It Suits
Pay With Profits was introduced by PipFarm earlier as a way to defer most of the challenge fee until a trader is in profit, and JoinProp covered that launch at the time. The appeal is cash flow. A trader who would rather not commit a larger sum to a challenge can start with a smaller entry cost and settle the rest from earnings.
The trade-off is that deferral is not free. The report itself notes that even a deferred fee is still a deduction from earnings, and traders should account for it when estimating a first payout. A lower fee improves the maths, but it does not change the fact that the first withdrawal will be smaller than the raw profit. Our guide to profit splits shows how to combine the split and any deductions into a realistic net figure.
The change matters most for larger accounts, where the same percentage translates into more dollars. A trader targeting a $100K allocation saves $500 under the report’s example, while a trader on a small account saves proportionally less. That makes the cut more relevant to experienced traders who are sizing up than to beginners testing a $5K account.
The PROFIT Code and What Is Not Confirmed
The report says a separate 40% discount is available with the code PROFIT. It does not say whether the discount applies to the Pay With Profits fee, the upfront portion, or the whole order, and it gives no end date. JoinProp has not tested the code at checkout. Anyone planning to use it should check the total before paying and confirm in writing, through support, whether the 40% stacks with the new lower fee or replaces it.
Also unconfirmed are the exact fee schedule by tier, whether the change applies to accounts already purchased, and whether it covers every evaluation type. The report mentions PipFarm’s routes into funding as two-step, one-step static, one-step trailing and Instant Funding, plus an XP ranking system that can unlock better profit shares and lower payout thresholds, but it does not say which of those products offer Pay With Profits.
Checking the Total Cost Before You Buy
The simplest way to use this news is to build a short cost comparison. Take the challenge price at checkout, add the Pay With Profits fee at the tier you plan to choose, subtract any code, and compare the total with the same account at another firm. Our overview of evaluation rules is a reminder that price is only one part of the decision: drawdown model, consistency rules and payout schedule can cost a trader more than a fee difference of a few hundred dollars.
Traders weighing a deferred-fee model against a plain discount may also want to look at how other firms price similar accounts. The FXIFY review and the Hola Prime review on JoinProp are two places to see different pricing and rule structures side by side.
What This Means for the Broader Prop Industry
Deferred-fee and pay-after-you-pass models have been spreading because they answer the most common objection to challenges, which is that most traders pay and never get funded. A firm that collects its fee only from a first payout shifts some of the risk back to itself, and a fee cut like this one is a competitive move within that model.
The risk for traders is complexity. When pricing is split between an upfront cost, a deferred fee, a profit split and a discount code, it becomes harder to compare firms on a like-for-like basis. Until PipFarm publishes the full fee table where JoinProp can verify it, the sensible reading is that the cut is real according to the report, the $500 example is plausible, and every other detail should be checked before money changes hands.
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