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

The Pay Today website (“”) was registered on November 2nd. Sergey Frolov is listed as the owner, with an address in Saxony, Germany also provided.

Frolov first appeared on BehindMLM last month as the owner of the Ensis Ponzi scheme.

Ensis launched in late October and advertised a 150% daily ROI. A visit to the Ensis website today reveals it has been suspended by its hosting provider.

Frolov also owns Stargate LTD, another recently launched Ponzi scheme.

Frolov provides a corporate address for PayToday in the UK. A bogus UK incorporation number is also provided.

Frolov is believed to be operating from either Germany or Russia.

Read on for a full review of the PayToday MLM opportunity.

PayToday Products

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

The PayToday Compensation Plan

PayToday affiliates invest $5 to $250,000 on the promise of a 140% ROI in twelve hours.

Referral commissions are available on funds invested by recruited affiliates, paid down three levels of recruitment (unilevel):

  • level 1 (personally recruited affiliates) – 5%
  • level 2 – 2%
  • level 3 – 3%

Joining PayToday

PayToday affiliate membership is free, however affiliates must invest at least $5 to participate in the attached income opportunity.


Sergey Frolov, or whoever is using the name as a pseudonym, appears to be a prolific serial scammer.

With at least three Ponzi scams launched in as many weeks, Frolov seems to have adopted a “churn and burn” strategy.

A 140% ROI every twelve hours is 280% daily.

If anyone was able to even remotely generate such a significant ROI legitimately, they’d keep it to themselves and within a year retire as the richest person on the planet.

Frolov instead uses newly invested funds to pay off existing investors, making PayToday a Ponzi scheme.

With such a high daily ROI rate, even the slightest drop in affiliate investment will trigger an immediate collapse.

Or PayToday’s host might step in again and suspend Frolov’s account, who knows.

What we do know is the math behind a Ponzi scheme inevitably results in the majority of investors losing money.

PayToday is not an exception to the rule.