PayNext provide no information on their website about who owns or runs the business.

The PayNext website domain (“”) was privately registered on November 20th, 2017.

At the time of publication Alexa cite India as the largest source of traffic to the PayNext website domain (50%).

Offered languages on the PayNext website are only English and Chinese.

This suggests that whoever is running PayNext is likely either based out of India or China (Hong Kong).

As always, if an MLM company is not openly upfront about who is running or owns it, think long and hard about joining and/or handing over any money. 

PayNext Products

PayNext has no retailable products or services, with affiliates only able to market PayNext affiliate membership itself.

The PayNext Compensation Plan

PayNext affiliates acquire pre-generated PET points from the company’s anonymous owners.

PET points are sold to PayNext affiliates for 50 cents to $1.25 each.

Once acquired, PET points are “lent” back to PayNext on the promise of a monthly ROI of up to 41%.

  • invest $100 to $1000 and receive a daily variable ROI for 295 days
  • invest $1010 to $5000 and receive a daily variable ROI plus 0.1% bonus daily ROI rate for 235 days
  • invest $5010 to $10,000 and receive a daily variable ROI plus 0.25% bonus daily ROI rate for 175 days
  • invest $10,100 to $100,000 and receive a daily variable ROI plus 0.35% bonus daily ROI rate for 110 days
  • invest $100,001 or more and receive a daily variable ROI plus 0.45% bonus daily ROI rate for 89 days

PayNext pay referral commissions via a unilevel compensation structure.

A unilevel compensation structure places an affiliate at the top of a unilevel team, with every personally recruited affiliate placed directly under them (level 1):

If any level 1 affiliates recruit new affiliates, they are placed on level 2 of the original affiliate’s unilevel team.

If any level 2 affiliates recruit new affiliates, they are placed on level 3 and so on and so forth down a theoretical infinite number of levels.

PayNext pay referral commissions as a percentage of funds invested as follows:

  • level 1 (personally recruited affiliates) – 9%
  • level 2 – 3%
  • level 3 – 2%
  • level 4 – 1%
  • level 5 – 0.5%
  • level 6 – 0.3%
  • level 7 – 0.2%
  • level 8 – 0.1%
  • level 9 – 0.05%
  • level 10 – 0.03%
  • level 11 and deeper – 0.01%

Joining PayNext

PayNext affiliate membership is free, however free affiliates can only earn referral commissions.

Full participation in the PayNext MLM opportunity requires a minimum $100 investment.


PayNext claim to generate external ROI revenue through “arbitrage and AI trading technology in cryptocurrency market” [sic].

There is no evidence of PayNext engaging in arbitrage and/or trading, leaving new investment as the sole verifiable source of revenue entering the company.

Using newly invested funds to pay affiliates a daily ROI makes PayNext a Ponzi scheme.

Lending ICO Ponzis like PayNext play out as follows:

Admins (who are typically anonymous) offload worthless pre-generated points in exchange for real money. In this case it’s PET points.

PayNext’s admins then use some of this money to pay promised ROIs for as long as new affiliates sign up.

Once affiliate recruitment dries up so does PayNext’s ROI reserve.

When a predetermined threshold is reached, PayNext’s anonymous admins do a runner with what’s left.

Based on a message currently displayed to visitors to PayNext’s website, this might already be underway:

Paynext’s internal exchange is in trouble, and we are trying to deal it quickly and will reopen the exchange as soon as possible.

We will notify you the exact time later.

In any event, early PayNext investors make a bit of money (mostly via recruitment of new investors). But same as any other Ponzi scheme, the reality of such scams is that the majority of participants eventually lose money.

BitConnect and DavorCoin are recent examples of ICO lending Ponzi collapses in action.