Elite Pay Alliance Review: 4×4 matrix cash gifting

There is no information on the Elite Pay Alliance website indicating who owns or runs the business.

The Elite Pay Alliance website domain was registered on the 15th of December 2015, with Optimus Dale listed as the owner. An address in the US state of Arkansas is also provided.

Optimus Dale is a pseudonym of Sherm Mason, who first popped up on BehindMLM’s radar as the admin of Magnetic Builder.

Magnetic Builder was a $29.95 recruitment scheme launched in 2011.

Last year was a busy one for Mason (right), with at least five known dubious schemes launched throughout:

• Paradise Payments (February 2015) – a $2 to $1000 cash gifting scheme
• Magnetic Gratitude (April 2015) – a $580 matrix-based Ponzi scheme
• Summer Fun Matrix (July 2015) – a $22 three-tier Ponzi scheme and
• 3×9 Millionaire Machine (September 2015) – a $3 in, $435 million dollars out Ponzi scheme
• Instant Pay Christmas (November 2015) – a $5 to $800 cash gifting scheme

With Christmas 2015 having come and gone, it appears Mason is looking to start his 2016 launches early.

Read on for a full review of the Elite Pay Alliance MLM business opportunity.

The Elite Pay Alliance Product Line

Elite Pay Alliance has no retailable products or services, with affiliates only able to market Elite Pay Alliance affiliate membership.

Once signed up, Elite Pay Alliance affiliates can purchase $5 positions in the company’s compensation plan.

Bundled with each $5 purchase are advertising credits and access to a PLR product library.

The Elite Pay Alliance Compensation Plan

The Elite Pay Alliance compensation plan sees affiliates gift $5 payments to each other.

Payments are tracked through a restricted 4×4 matrix compensation structure, with affiliates required to pay to unlock each level of the matrix.

A 4×5 matrix places an affiliate at the top of a matrix, with four positions directly under them (level 1):

The second level of the matrix is generated by splitting each of the initial four level 1 positions into another four positions each (16 positions).

The first three levels of the 4×4 matrix are sized by multiples of four, however levels 4 and 5 of the matrix are restricted to 81 and 243 positions respectively.

Whereas a typical 4×5 matrix holds 1364 positions, Elite Pay Alliance’s restricted matrix only pays out on 408 positions.

New Elite Pay Alliance affiliates enter the matrix by gifting $5 to the affiliate who recruited them. This payment in turn qualifies them to receive $5 payments from subsequently recruited affiliates.

Once four such payments have been received, the affiliate must then pay $10 to “unlock” level 2 of the matrix.

This $10 fee qualifies an affiliate to receive $10 from sixteen subsequently recruited affiliates.

Levels 3, 4 and 5 of the matrix require gifting payments of $20, $40 and $50, which qualifies an affiliate to receive $1280, $3240 and $12,150 respectively.

In total, a full 4×5 Elite Pay Alliance matrix sees newly recruited affiliates gift $16,850 to existing affiliates (per completed 4×5 matrix).

Joining Elite Pay Alliance

Affiliate membership with Elite Pay Alliance is free, however affiliates must make at least one $5 gifting payment in order to participate in the income opportunity.

Conclusion

Under the guise of receiving advertising credits and receiving access to Sherm Mason’s recycled PLR product library, Elite Pay Alliance offers up a $5 cash gifting scheme.

The ad credits and PLR products are neither here nor there, with $5 payments qualifying affiliates to participate in a five-tier gifting scheme.

With respect to the PLR library, any reselling of products is external to the Elite Pay Alliance MLM compensation plan. The ad credits are filler, with qualification to receive payments from subsequently recruited affiliates the true motivator behind each $5 payment.

The match behind Elite Pay Alliance is such that it’s pretty much assured Mason himself will walk away with the majority of funds gifted.

Each full 4×5 matrix pays out $16,850, which requires at a minimum 3370 five dollar payments to be made. That’s raw money in and out, with reality seeing more payments required due to the matrix structure Elite Pay Alliance use.

Sherm Mason has likely preloaded Elite Pay Alliance with a bunch of positions, which will effectively collect the lion’s share of money deposited in.

This takes place at each level of the matrix, with affiliates gifting the majority of funds received back into the system to unlock subsequent levels of the matrix.

By owning a bunch of preloaded positions, Mason guarantees he receives most of the initial matrix level unlock fees paid in.

Over time affiliate recruitment dies down, leaving those who have bought in unable to get anywhere near the $16,850 advertised earnings.

For an idea of what happens then, we need only turn to Elite Pay Alliance’s refund policy:

Refunds?

No refunds. Period.

Mason’s schemes don’t have a history of staying afloat very long, with Elite Pay Alliance pretty much guaranteed to follow suit.