Credit portal




Project Payday Review: Is It a Scam or Legit?

Post updated on: January 30, 2015

This Project Payday review is based on my personal experience with the site and what I have seen, heard and learned from other people who were involved with PPD in some way or another.

Is Project Payday out to scam people? Can people really earn money with this site?…

These are just two of the many questions people constantly ask around ever since the site made its debut in the year 2006.

Need Extra Cash for Free?

Join MySurvey, a fun paid survey site that has paid its members over $32 Million so far. Yes $32,000,000!

And it is 100% free to join and make money.

Personally, I’ve known PPD over a long period of time and hence, made up my mind to write a review of the site by becoming a member.

Who Owns Project Payday?

Monika St. John is the name of the site’s founder.

In all honesty, I have no idea if this is a real person we are talking about. Even though it’s nigh impossible to ascertain the true identity behind this name, I am certain that Monika St. John is NOT a real individual.

Also, I could not locate an “About” page on this site. I also poked around a fair bit to unearth any background information or even some profiles related to social media to prove Ms. Monika is nothing more than a smart moniker but those efforts turned out futile as well.

As such, it’s not hard to understand that PPD’s development was entrusted to certain professional marketers. Also, it’s known to be a common trick for such professional marketers to come up with fake aliases for various projects.

If you have to only sign up for one paid survey site to make money with, I recommend Ipsos-iSay. Ipsos is the most fun and well-paying panel. Give it a try to see how you like it. It is free anyway!

I next went to The Better Business Bureau’s website and found that PPD holds an “A” grade from them. The profile of Project Payday on BBB also states that the site’s accreditation exists since 11/09/2010 with its headquarters being in Denver. Colorado. People familiar with investigating an online company know how difficult it is to obtain an A rating from BBB. Therefore, this is indeed a fantastic achievement from the site!

When it comes to Project Payday complaints, there are around 47 documented one according to, all of which have been resolved. Now, it is not clear if all of these complaints came from members or perhaps some were from their advertisers.

How Does it Work?

Although the site claims you can become a member without paying anything, you actually have to complete some offers (mostly free trials) for the membership to be free. In case you want to skip that route then be ready to pay up a $35 fee for gaining a life membership.

This entire site operates on the business model known as IFW, i.e. Incentivized Freebie Website. IFW is the tag assigned to sites that pay you either cash (or gift you products for free) in exchange for getting other people to complete trial offers from big companies.

Among the popular and major companies IFWs have an association with include Equifax, Discover Card, NetFlix, Identity Guard, Vistaprint, Big Fish Games and many more.

In short, Project Payday is nothing but an internet course to help you learn how to earn money with different CPA offers through what is known as an incentivized offer. CPA here is the abbreviation for “Cost Per Action”, which implies that you earn money when another person completes the necessary action.

Let’s consider the scenario of a cream for treating acne.

The said product costs $50 in retail but the only cost you’ve got to incur on this product is that of shipping/handling, which amounts to $5.

Next, you send back your receipt, which in theory pays you $20 for the effort and time put in. The effort here refers to the call you made to the company to cancel the subscription with the acne cream company that is otherwise on auto-renewal basis, which is something you might have bypassed.

Sounds like you made a killing there? After all, you paid $5 and got back $20, which means a profit of $15.

Now, the person who referred you to this offer also earned some money as the company selling this acne cream paid him/her a sizable commission to garner a new customer, which happens to be you. Overall, seems like a fantastic deal for all parties concerned.

How Do You Make Money with PPD?

Within the designated area for members, the entire training is focused on 4 ways of earning money. Starting off, the initial 3 tactics are offshoots of IFWs with the difference here being YOU are completing those trial offers yourself or you are getting them done by OTHERS.

In case you are getting those offers completed by others (through solicitation), typical payment options like check, merchandise or PayPal are offered to you.

If you opt to get merchandise, you are suggested to turn around and sell the prize you receive (on for cash to make a profit. This idea sounds pretty good in theory although I would urge you to stay away from it unless you’ve got a lot of time to SPARE. Selling stuff via eBay is a lot tougher than it sounds and often takes time.

The 4th method of their training is all about referring other people

to this program through the affiliate route. This way, you stand to earn in the range of $1.50-$6 per referral. The earnings also depend on the volume and quality of your traffic.

The issue with such a system is that to earn a decent amount of money, you must create a large number (often ranging into thousands) of leads, which makes the entire method impractical for newcomers.

The Moral Dilemma

That you can earn money in a legitimate way with IFWs is absolutely true. However, there are a few glaring drawbacks while the upside is not very bright either.

There is also the fact that although many companies indeed do give away incentives for pushing their products and services apart from referring new leads, there are also many that refrain from the same as it can lead to monetary loss. They end up paying commissions to people who are nothing more than non-genuine shoppers with zero interest in the companies’ services.

Whether what this site is ethical or not is something you need to decide. I for one think that the answer to this question depends a lot on how you perceive things and of course, your ethics and morals. Basically, it all depends on what you find right or wrong.

Let’s take a glance at what IFWs are apart from their pros and cons so as to make things easier for people wanting to earn money via promotions:


  • Earn a few instant bucks by simply competing “trial offers” from major companies.
  • “Friendly bribes” are always an option to solicit people into completing your offers.
  • There is no dearth of offers that are 100% free (a few do entail a minor investment).
  • With well-known companies involved, your billing info is quite secure.


  • Every offer can be completed only once.
  • If your trial subscription is not cancelled on time (say, if you forgot), you’ll be billed for the same automatically.
  • Lots of junk mail and spam will fill up your inbox.
  • Finding people willing to complete offers for you is not always easy.

Endless Wealth Creation Solution?

This site makes some bold claims like the one that says students can make an extra $100-$5,000+ every month by putting into practice its various teachings. But is that really true?

The shortest answer to that would be…. NOT REALLY. Allow me to explain why.

As things stand, Project Payday CANNOT be called a scam. All that the site claims is indeed possible and the program does earn you money through legitimate means. However, PROBABLE and POSSIBLE have entirely different meanings.

To be frank, PPD is a decent option in case you want to make $50-$500 in times when quick cash is the need of the hour, if the entire system doesn’t appear unethical to you and if you are careful enough to cancel subscribed offers on time (which is a tough task as some companies make the offer cancelling process really hard. It’s almost like once they’ve seen your credit card, it becomes impossible for them to let it go). All said and done, the chances of making an income full-time through this program are almost ZERO.

Warning About Project Payday Reviews

If you search the web and come across other reviews on Project Payday scams, be assured that they are mostly going to have a positive bias. This is simply because they are mostly Project Payday affiliates (Learn more about affiliate marketing and its impact on businesses here ) and if they manage to get you all excited around this program through their glowing review of the same, they are likely to pocket a nice $1.50 once you go ahead and sign-up with the program.

Common sense dictates that if your review is receiving a ton of hits, making sure the review is positive opens the floodgates for more money to pour in.

However, I’m not into that simply because that’s now how I write my reviews. A few extra bucks don’t stand a chance against integrity as far as I’m concerned.

So, is Project Payday a Scam?

Ever since the PPD venture began in 2006, the program’s founders have gone on to make MILLIONS of dollars in income. So yes, you can learn a lot from the success they achieved. However, it’s vital that you understand certain things if you start considering it as a regular source of earnings.

Project Payday ISN’T a scam. All the FAKE reviews and complaints about this site pale in front of the “A” rating it holds from a reputed and well-known organization like the BBB.

However, a site not being a scam doesn’t automatically make it a good source to earn money from. Of course, if you are looking to earn $50 quickly, the site proves a decent option. The only things you need to be careful about are the many hoops you’ll need to jump over, the spam mails, and ensuring that you CANCEL the various trial subscriptions to avoid getting re-billed.

In case you want to earn an income consistently for a long time, regardless of whether you intend to earn money on the sidelines with paid online surveys or earning a full-time income through real internet businesses like operating an ecommerce website, I urge you to avoid Project Payday.

Want up to $20 per survey?

Join SurveySavvy. They pay you for participating in their market research studies, and they pay cash. And yes, it is 100% free to join!

Category: Payday loans

Similar articles: