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Paid 2 Save launched in early 2012 and owned by “Hart 2 Hart Marketing”, who appear to be based out of the US state of California.

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Management wise Paid 2 Save is headed up by co-founder and President, David Hart (photo right).

On his company bio, Paid 2 Save claims Hart

has 22 years of experience in the direct marketing industry and has successfully built downlines in the tens of thousands several times.

Hart’s previous MLM ventures include reaching the “Diamond Club” in Waiora (health and nutrition).

Read on for a full review of the Paid 2 Save MLM business opportunity.



The Paid 2 Save Product Line

Paid 2 Save has no retailable products or services, with affiliates only able to market “discount card” membership to the company itself.

Paid 2 Save membership provides access to a range of discounts, offered by third-party service providers.

Paid 2 Save call this a “Discount Card Program” and offer two membership pricepoints:

  1. Premium Membership for $29.95 a month or
  2. Ultimate Membership for $159.95 for the first month and then $29.95 a month thereafter



The Paid 2 Save Compensation Plan

Paid 2 Save’s compensation plan pays its affiliates based on sales of thier Discount Card Memberships.


Membership Ranks

There are seven affiliate membership ranks within the Paid 2 Save compensation plan. Along with their qualification criteria, they are as follows:

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  • Affiliate – pay affiliate membership fee and generate 10 CPs
  • Sapphire – 40 CPs
  • Ruby – 70 CPs
  • Pearl – 100 CPs
  • Emerald – 130 CPs
  • Diamond – 190 CPs
  • Double Diamond – 280 CP


A “CP” is a Customer Point and is generated with the sale of a Paid 2 Save “Ultimate Membership”.

Paid 2 Save’s compensation plan doesn’t explicitly mention whether or not the sale of Premium Memberships generate CPs.


Discount Card Membership Commissions

Paid 2 Save pay out recruitment commissions on both discount card membership fee options.

With Premium Membership, the first and second sales generate a credit towards an affiliates own membership ($14.95 and $15 respectively).

From the third Premium Membership sale and beyond a $20 bonus is paid out on the first months membership fees paid.

The second month thereafter $12 is paid as a commission on an affiliate’s membership fees.

Ultimate Membership pays out a recruitment bonus on the first months membership fees, dependant on an affiliates membership level:

  • Affiliate – $30
  • Sapphire – $35
  • Ruby – $40
  • Pearl – $45 on direct recruits, $5 on level 2 recruits
  • Emerald – $50 on direct recruits, $5 on level 2 recruits
  • Diamond – $55
  • Double Diamond – $60


Although not explicitly mentioned in Pay 2 Save’s compensation material, I believe the second month and beyond of Ultimate membership generates the same $12 a month commission as Premium Membership.


Discount Card Membership Matrix Commissions

In addition to the discount card membership commissions above, Paid 2 Save affiliates can also earn additional discount card membership commissions via a 3×9 matrix.

A 3×9 matrix places an affiliate at the top of the matrix with three legs branching out under them (level 1).

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In turn, these three legs branch out into another three legs (level 2) and then again (level 3) and so on and so forth down 9 levels.

Each of these legs is a position that is filled by the purchaser of a discount card membership, either via direct sale or the sales efforts of an affiliate’s up and downline.

How much of a commission an affiliate is paid per discount card membership holder in their matrix depends on what level that holder falls on:

  • Level 1 – 25c
  • Level 2 – $3.25
  • Levels 3 to 5 – 50c
  • Level 6 – $1
  • Levels 7 and 8 – $1.50
  • Level 9 – $3


In order to qualify for matrix commissions a Paid 2 Save affiliate must have sold at least 10 discount card memberships.


Binary Commissions

A binary compensation structure places an affiliate at the top of the structure with two legs directly under them.

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In turn, these two legs branch into two more legs each and so on and so forth down a theoretical infinite number of levels.

Each of these positions can be filled with a newly recruited Ultimate Membership discount card membership holder, either via direct sales or the sales efforts of an affiliate’s up and downlines.

Paid 2 Save pay out a pairing commission using a ratio of 3:3. That is for every three new Ultimate Membership discount card membership holders matched up on both sides of the binary, a $45 commission is paid out.

Note that the total weekly commissions available to Paid 2 Save affiliates is determined by their affiliate membership rank:

  • Rep – $90
  • Sapphire – $540
  • Ruby – $1080
  • Pearl – $2025
  • Emerald – $6030
  • Diamond – $10,035
  • Double Diamond – $20,025


In order to qualify for binary commissions, a Paid 2 Save affiliate must have sold at least 10 discount card Ultimate Memberships.


Cashback Commissions

Using a branded “Paid 2 Save” toolbar, an affiliate can earn a matching bonus on cashbacks paid to shoppers and affiliates they distribute the toolbar to.

The Paid 2 Save toolbar provides access to third-party products and services, with Paid 2 Save paying out a cashback and matching bonus on any items purchased through the toolbar.


Car Bonus

If a Paid 2 Save affiliate has a downline of at least 243 Premier Membership affiliates in three separate recruitment legs each, they qualify for a $500 a month car bonus.

This bonus can also be paid out as $300 in cash.


Residential Bonus

If a Paid 2 Save affiliate has a downline of at least 729 Premier Membership affiliates in three separate recruitment legs each, they qualify for a $2000 a month Residential Bonus.


Lifestyle Bonus

If a Paid 2 Save affiliate reaches the Double Diamond affiliate membership rank, they qualify for a one time Lifestyle Bonus of $5000.



Joining Paid 2 Save

Affiliate membership to Paid 2 Save is a one time fee of $39.95.



Conclusion

The major red flag with the Paid 2 Save MLM business opportunity lies with the so-called product range the company offers.

In short, offering a discount or “discount card” as it were the case here is not a viable product in MLM. Moreso when the discount applies to the services and products of third-party vendors.

It is noted that Paid 2 Save affiliates do not earn commission on the recruitment of new affiliates (provided they aren’t misled to believing that a discount card membership is required, however as far as demonstrating a tangible product or service goes, a discount card is a hard sell.

Nobody gets paid in Pay 2 Save unless customers (or affiliates if they sign up to the discount card program) buys a non-affiliate discount card membership, the red flag is in how Paid 2 Save pay out their commissions.

They’re essentially generating commissions on the sale of access to discounts.

Furthermore if we look at the two discount membership options available, Premium ($29.95 a month) and Ultimate ($159.95 for the first month, $29.95 thereafter), it’s hard not to question the actual value of the Ultimate Membership, given that after the first month it costs the same as the Premium Membership.

Harder still when you consider you’re trying to peg a value to access to discounts rather than actual discounts themselves.

If the increase in cost is purely to cover increased commission payouts to affiliates via the compensation plan, then there’s not really much additional value being provided to the end-customer. On paper it’s access to more discounts but in real dollar terms, it’s a question mark.

All in all I believe the legitimacy of Paid 2 Save rests on their product line and being a discount card that merely provides access to discounts, there’s an obvious distinction to be made here between tangible products and services  and Paid 2 Save’s discount card.