daily-pay-logoThe ‘Contact Us’ section of the Daily Pay website names the owner of Daily Pay as Christopher Young, trading as Ad Pay Daily LLC operating out of Kansas in the US.

Ad Pay Daily was launched in 2010 and appears to be an ad rotator + recruitment scheme.

Members had to recruit advertisers to spend money advertising on Ad Pay Daily, and in turn members had to visit 20 websites a day (via the advertising) to earn commissions.

These commission were paid out at a percentage of a member’s accumulated ad points (members obtained ad points by attracting advertisers).

This sounds all well and legit, until you take into consideration that Ad Pay Daily members themselves could purchase advertising. In effect, members would invest in the company by “purchasing” advertising to increase their ad points. The larger the amount of ad points a member had, the larger their share of the daily profits.

Where were the daily profits coming from? Said investments of Ad Pay Daily members.

The Ad Pay Daily scheme looks to be mostly dead in the water (as all Ponzi schemes eventually wind up) and it’s failure is presumably what has prompted the launch of Daily Pay.

Read on for a full review of the Daily Pay MLM opportunity.

The Daily Pay Product Line

Daily Pay has no retailable product or services. Instead, upon joining the company Daily Pay members are able to invest in the company.

Bundled with each investment are a series of advertising credits which can then be used to advertise on an advertising network shown on the Daily Pay website.

The Daily Pay Compensation Plan

Investment Returns

The basic idea with the Daily Pay compensation plan is that you invest in $10 allotments, and over 50 days earn a 4% daily ROI until a total 200% ROI has been paid out.

Matrix Commissions

In addition to investment returns, upon every 6 investments made reaching their 50 day maturity, Daily Pay members are given an entry ticket into a 2×2 matrix.

Upon cycling out of this matrix (2 more people are placed under you via investment maturity), members are then placed in another matrix (a 2×3).

In this fashion, there are five matrices in total which pay out as follows:

  • 2×2 matrix – $15
  • 2×3 matrix – $25
  • 2×4 matrix – $60
  • 2×5 matrix – $150
  • 2×6 matrix – $300

Upon cycling out of one matrix, in addition to the cycle commission paid out above, members are also given 2 entries into the same level matrix they just cycled out of, as well as an entry into the next level matrix.

Referral Commissions

Daily Pay pay out referral commissions on up to 10 levels on both investments made and matrix commissions.

  • Level 1 – 6%
  • Level 2 – 4%
  • Levels 3 to 6 – 2%
  • Levels 7 and 8 – 1%
  • Levels 9 and 10 – 0.5%

How many levels you are paid out on depends on your Daily Pay membership rank:

  • Copper – costs $9.95 a month and pays out on four levels
  • Silver – costs $19.95 a month and pays out on five levels
  • Gold – costs $29.95 a month and pays out on six levels
  • Diamond – costs $59.95 a month and pays out on seven levels

Note that Daily Pay pay out up to 10 levels whilst membership levels only pay out up to 7 levels. The missing three levels are unlocked via recruitment of new members.

  • recruit 3 copper members and get paid on one extra level
  • recruit 3 silver or gold members and get paid on two extra levels
  • recruit 3 diamond members and get paid on three extra levels

Note that these extra levels are stacked onto your membership rank payout levels (the recruitment of 3 diamond members + diamond membership is how 10 levels of payout is achieved).

Note however that the recruitment levels of payout do not stack with eachother.

Membership Commissions

The final commission offered by Daily Pay is a membership commission at a rate of 20% a month on direct recruits, 10% on their recruits (your level 2) and 5% on their recruits (your level 3).

These membership commissions are paid out on the monthly membership fees paid by all “upgraded” Daily Pay members.

Joining Daily Pay

Membership to Daily Pay is free however if you wish to earn referral commissions on your recruitment’s investments, membership fees and matrix cycle commissions then membership fees must be paid.

  • Copper – $9.95
  • Silver – $19.95
  • Gold – $29.95
  • Diamond – $59.95

All membership fees are monthly and the only difference between the membership is how many levels you earn referral commissions on.

The more you pay in membership fees the more you earn in commissions.


The membership fee commissions Daily Pay offers should be enough to declare the entire scheme questionable on its own, but when you add in the investment scheme and matrix commissions (which are just encouragement to get members investing), it paints a pretty stock-standard picture of a Ponzi scheme.

This is confirmed by the fact that there is no other revenue generated by Daily Pay other than the investments made by members and their monthly membership fees.

Meanwhile Daily Pay insist they aren’t an investment scheme:

DailyPay.co is an exciting website for your advertising. We consider our high traffic site one of the best resources for marketers.

DailyPay.co is NOT an investment program.

Yet elsewhere on the website (the support page) it is clearly stated that:

All of our plans have a potential payout of 200% ROI.

ROI of course standing for ‘return on investment‘.

Daily Pay also try to entice investments with some suspiciously investment orientated terminology:

You may think that a daily earning of 40c per ad credit is nothing, but once you start compounding the return, your earnings may increase exponentially.

Compounding returns? When was the last time something you purchased offered a compounding return?

Additionally the company offers no refunds, insisting that

no refunds will be given for digitally delivered products and services due to their intangible nature.

With the digitally delivered products allegedly being advertising credits, if said credits weren’t spent, one would think offering a refund wouldn’t be a problem.

Of course with Daily Pay not selling anything and instead being an investment scheme, any money you pay them is instantly used to pay out existing owed returns and that’s the real reason you can’t get refunds.

The matrix inclusion is differs from your standard cookie-cutter Ponzi scheme but at the end of the day that’s still all we’re looking at here.

If the new investments stop, so do the returns.