Instant Pay Christmas Review: $5 to $800 cash gifting
There is no information on the Instant Pay Christmas website indicating who owns or runs the business.
The Instant Pay Christmas website domain (“instantpaychristmas.com”) was registered on the 7th of November 2015, with Optimus Dale listed as the domain owner.
Optimus Dale is a pseudonym of Sherm Mason, with Instant Pay Christmas marking Mason’s fourth MLM launch this year alone.
Mason first popped up on BehindMLM’s radar as the admin of Magnetic Builder, a $29.95 recruitment scheme.
Since February 2015, Mason has launched:
- 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
As at the time of publication, Alexa traffic estimates suggest Paradise Payments, Magnetic Gratitude and Summer Fun Matrix have all but collapsed.
3×9 Millionaire Machine still appears to be chugging along, with Nigeria being the scheme’s number one source of website traffic.
An overall decline however has likely prompted Mason to launch a new scheme, which brings us to Instant Pay Christmas.
Read on for a full review of the Instant Pay Christmas MLM business opportunity.
The Instant Pay Christmas Product Line
Instant Pay Christmas as an MLM opportunity has no retailable products or services.
Instant Pay Christmas affiliate membership is tied to the purchase of a $5 position, which is bundled with advertising credits and access to a digital products library.
These products appear to be Private Label Rights, which means they can be resold to third-parties. These sales however are external to the Instant Pay Christmas MLM opportunity (they have nothing to do with the MLM component of Instant Pay Christmas’ compensation plan).
The Instant Pay Christmas Compensation Plan
The Instant Pay Christmas compensation plan sees affiliates purchase $5 positions, which are then fed through a three-tiers of matrices.
Through these matrices, new Instant Pay Christmas affiliates gift amounts of $5 to $800 to existing affiliates. In turn, these gifting payments qualify the new affiliates to receiving gifting payments from subsequently recruited affiliates.
Instant Pay Christmas use 3×3 and 4×3 matrix structures to track gifting payments between affiliates.
A 3×3 matrix places an affiliate at the top of a matrix, with three positions directly under them (level 1):
These three positions form the first level of the matrix, with the second level generated by splitting each of the first three positions into another three positions each (9 positions). Note that in the above diagram, the third level of the matrix is not shown.
The third level of the matrix is generated by splitting each of the nine level 2 positions into another three positions each again (27 positions).
This results in a total of 39 positions.
A 4×3 matrix is much the same, with each level of the matrix operating in multiples of four.
This equates to four positions on the first level, sixteen on the second and sixty-four position on the third (84 positions total).
Instant Pay Christmas use a 3×3 matrix for the first and third matrices and a 4×3 for the second.
Gifting payments between Instant Pay Matrix affiliates are thus tracked as follows:
- Matrix 1 (3×3) – $5 payment per affiliate on the first level (3 payments = $15), $10 payment per affiliate on the second level (nine payments = $90) and $20 payment per affiliate on the third level (twenty-seven payments = $540)
- Matrix 2 (4×3) – $40 payment per affiliate on the first level (4 payments = $160), $80 payment per affiliate on the second level (sixteen payments = $1280) and $160 payment per affiliate on the third level (sixty-four payments = $10,240)
- Matrix 3 (3×3) – $200 payment per affiliate on the first level (3 payments = $600), $400 payment per affiliate on the second level (nine payments = $3600) and $800 payment per affiliate on the third level (twenty-seven payments = $21,600)
Note that an affiliate must pay the appropriate payment amount at each matrix level. This then qualifies them to receive gifting payments on that level from subsequent affiliates.
Joining Instant Pay Christmas
Affiliate membership with Instant Pay Christmas is tied to the purchase of one $5 matrix position.
Any initial additional position purchases will increase the cost of Instant Pay Christmas affiliate membership.
It’s that time of year again, wherein we start to see Christmas themed schemes populate the MLM underbelly.
Mason is relatively early out the gate, with Instant Pay Christmas unlikely to survive till its namesake this far out.
The basic math behind Instant Pay Christmas is pretty bad, with 7625 $5 payments required for one person to be paid out the full $38,125 across all three matrix tiers.
Each of those initial 7625 positions then require another 58.1 million gifting payments to receive their $38,125, which needless to say isn’t going to happen.
Mason has likely preloaded who knows how many positions into Instant Pay Christmas before it launched.
As a new affiliate you sign up and gift him $5. A few affiliates who get in early might see a few payments but by and large math dictates most payments will roll up to Mason (either directly or by way of existing affiliates buying into higher matrix tiers).
Everybody else loses out.