How do payments and refunds work at PipFarm?

💡 Answer

Payment Methods:

PipFarm’s Terms state it accepts payment through various methods (including credit cards, e-wallets, and cryptocurrencies), though availability may vary by user and time.

Refund Policy

PipFarm’s Terms state Trading Challenges are non-refundable except under limited conditions. A refund is available if the user cancels within 5 calendar days of purchase and before starting the challenge (a challenge is considered started when one or more orders—pending or completed—are opened). PipFarm also states a user may be eligible for a refund if ID verification is not approved (subject to conditions). PipFarm states it does not provide refunds after 5 calendar days have passed or once a challenge has started.

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PipFarm vs WSFunded vs Funded Trading Plus - Prop Firm Comparison (March 2026)

Side-by-side comparison of PipFarm vs WSFunded vs Funded Trading Plus. Quickly scan maximum funding, profit splits, risk rules, leverage, platforms, instruments, payout schedules, payment options, trading permissions and KYC restrictions to narrow down your prop trading firm shortlist. Data updated March 2026.

PipFarm vs WSFunded vs Funded Trading Plus - Prop Firm Comparison (March 2026)
	PipFarm PipFarm is operated by ECI Ventures Pte. Ltd. (Singapore) and provides simulated trading challenges on the cTrader platform. Traders who pass a Trading Challenge may be enrolled in PipFarm’s Remote Trader Program and earn a reward (profit share) based on...	WSFunded WSFunded (Wall Street Funded) is a simulated prop trading program operated by WSFmarkets Ltd, offering 1-phase and 2-phase forex/CFD evaluations, instant funding models, and dedicated crypto challenges, with an 80% base profit split (scalable up to 95%), strict anti-HFT rules,...	Funded Trading Plus Funded Trading Plus (FT+) is a Saint Lucia-registered prop firm brand with an operational office in Manchester, UK, offering Instant Funding plus 1-step and 2-step simulated challenges since 2021. Traders can access broad CFD markets (FX, indices, commodities, crypto) across...
Overview
Trustpilot Rating	4	4.3	4.4
Trustpilot Reviews	351	2,316	2,630
Headquarters	Singapore	Saint Lucia	Saint Lucia
Age (Years)	3	N/A	N/A
Max Funding	$300,000	$400,000	$400,000
Profit Split Start	70%	80%	80%
Profit Split Max	99%	95%	100%
Platforms	cTrader	MT5 cTrader Match-Trader DXtrade TradeLocker Platform5	MT5 cTrader Match-Trader DXtrade
Assets	Forex Metals Energy Indices Crypto	FX Commodities Indices Stocks Crypto	FX Indices Commodities Crypto
Leverage
FX Leverage	30	30	30
Metals Leverage	20	10	30
Crypto Leverage	10	1	2
Risk & Drawdown Rules
Max Daily Loss	Maximum Daily LossPipFarm’s Max Daily Loss rule is calculated as a percentage of the previous end-of-day (EOD) balance. By default, the daily loss limit is 3% of the previous EOD balance and is recalculated when the previous EOD balance changes. PipFarm states the EOD is calculated in the dashboard around 22:05 GMT (winter) or 21:05 GMT (US daylight savings). PipFarm also states traders may increase the daily loss limit to 4% after achieving Rank 4 in its Experience Programs.	Maximum Daily LossDaily loss rules depend on program type. RAPID uses a 4% daily drawdown; CLASSIC and ULTRA use a 5% daily drawdown. Instant Standard and Instant Pro apply a 3% maximum daily drawdown calculated daily (balance/equity check) and reset on the platform’s daily schedule. Crypto programs use a 3% Daily Cap mechanism that can close positions and lock the account for the day if price movement exceeds the cap from the prior day’s equity reference.	Maximum Daily LossFT+ uses a balance-based Daily Drawdown (Daily Simulated Loss) that resets each day at 16:59 (EST). A daily balance snapshot is taken, the daily loss amount is calculated as a percentage of that snapshot, and the account’s equity must not fall below the resulting Daily Drawdown figure.Daily Simulated Loss limits vary by program (typical published values): Master 6%, Experienced 4%, Advanced 5%, Premium 4%, Prestige Lite 3%, and Prestige Pro 5%.
Max Total Loss	Maximum Overall LossPipFarm offers different maximum-loss models depending on program selection. For Static Max Loss, PipFarm states the one-stage program uses a 6% Static Max Loss of starting balance, while the two-stage program uses a 9% Static Max Loss of starting balance. For the one-stage program, PipFarm also offers a Trailing Maximum Loss option which tracks a high watermark (balance-based) and is 9% of the high watermark balance (10% if Rank 2 or higher).	Maximum Overall LossWSFunded’s overall loss limits vary by product: RAPID has a 6% maximum drawdown; CLASSIC uses an 8% maximum drawdown; ULTRA uses a 10% maximum drawdown (static models). Instant Standard uses a 6% trailing maximum drawdown, while Instant Pro uses a 5% trailing maximum drawdown. Crypto programs publish static maximum drawdown limits (e.g., 6% on One Step Crypto and 9% on Two Steps Crypto).	Maximum Overall LossMaximum Simulated Loss limits vary by program and drawdown model. Core trailing-loss challenges include: Master 6% max loss, Experienced 6%, Premium 8% and Advanced 10%.Prestige variants use a static-loss structure with tighter daily limits and typical maximum loss caps such as 6% (Prestige Lite) or 10% (Prestige Pro), depending on the specific Prestige version chosen.
Drawdown Type	Drawdown ModelPipFarm’s public rules describe multiple drawdown frameworks, including: (1) a Static Max Loss (fixed percentage of starting balance), (2) a balance-based Trailing Max Loss (tracks the high watermark of account balance), and (3) an equity-based trailing max drawdown rule (high-watermark equity-based), as described in PipFarm’s Terms.	Drawdown ModelRAPID/CLASSIC/ULTRA are built on static drawdown rules. Instant Standard and Instant Pro use trailing drawdown that follows equity highs; after an approved withdrawal, the trailing drawdown is described as locking at the starting balance and does not reset upward due to withdrawals. Crypto programs apply static max drawdown plus a separate daily cap mechanism.	Drawdown ModelFunded Trading Plus uses two drawdown structures across its programs: Relative (trailing) drawdown on core challenges (Master/Experienced/Advanced/Premium) and Static drawdown on Prestige variants.Daily Drawdown is calculated from a daily balance snapshot and applies as a daily equity floor that resets once per day.
Payouts
Payout Frequency	Payout FrequencyBy default, PipFarm schedules and processes payouts automatically on the first Friday of each month. Optional payout-frequency add-ons are available: Bi-weekly (1st and 3rd Friday of each month, +10%) and Weekly (every Friday, +25%).	Payout FrequencyWSFunded payout timing depends on the program. Commonly, the first withdrawal is allowed after an initial waiting period (e.g., 15 days on CLASSIC/ULTRA and Instant models, and 30 days on RAPID), with recurring withdrawals generally available every 10 days thereafter (from account activation / after the first eligibility window), subject to program rules and minimum requirements.Minimum payout: The published minimum payout threshold is $100, and Instant models also specify the minimum withdrawal as the greater of $100 or 1% of the account’s starting balance.	7
Days to First Payout	0	15	0
Payout Processing Time	Payout ProcessingPipFarm states payouts are processed automatically at 06:00 GMT on the eligible Friday and completed by 23:59 GMT the same day, provided requirements are met and there are no open positions. PipFarm’s Terms also describe a $1,000 compensation policy if a scheduled payout is missed due to internal company error (subject to conditions), and note payouts may be suspended or delayed for investigation or verification requirements.	Payout ProcessingPayout requests are submitted via the dashboard payout form. During payout processing, the linked trading account may be set to view-only mode until finalized. WSFunded states payouts are handled Monday to Friday between 10:00 and 15:00 CET; actual arrival depends on payout rail/provider availability and any compliance checks.	Payout ProcessingWithdrawal requests are reviewed under FT+’s Risk Review Policy (withdrawals are a listed milestone for review). Processing time can therefore vary depending on whether a request is automatically cleared or requires manual risk-team review.
Payout Methods	Rise Skrill USDT USDC	Crypto (USDT USDC ETH BTC) Rise (Bank Transfer Crypto)	Crypto Bank Transfer
Payments
Payment Methods	PipFarm’s Terms state it accepts payment through various methods (including credit cards e-wallets and cryptocurrencies) though availability may vary by user and time.	Credit/Debit Card (Visa Mastercard) Crypto	Credit/Debit Card E-wallets Crypto
Trading Permissions
News Trading	PipFarm’s marketing materials state it allows news trading and that it does not dictate how users should trade. PipFarm’s Terms also prohibit exploitative trading strategies (including “news straddling”).	News trading is allowed during evaluation phases. In funded simulated accounts (including Instant), WSFunded restricts opening new trades and closing existing trades on instruments affected by red-folder macroeconomic events within an 8-minute window (4 minutes before and 4 minutes after); profits obtained during restricted windows may be deducted.	News trading is allowed in principle, and FT+ markets “trade news” as part of its ruleset. However, high-risk “coin-flip” behaviour (e.g., extremely high margin utilisation combined with short-duration trades during volatile news) may fail a withdrawal-time risk review.
Weekend Trades	N/A	Weekend trading depends on the market/instrument session. Crypto programs follow crypto venue hours (generally 24/7), while CFD markets follow their normal weekly trading sessions and may be affected by weekend closures and gap risk.	Funded Trading Plus states traders may hold trades over the weekend (“hold weekends”), supporting swing-style strategies. Traders should still monitor instrument trading hours/closures and manage gap risk.
Copy Trading	PipFarm’s Terms list copy-trading/managed-account services (e.g., MQL5 or ZuluTrade) as prohibited trading practices, and also prohibit trading on behalf of others or having others trade on your behalf.	Copy trading is heavily restricted. Manual copying between a trader’s own evaluation accounts is permitted only during the evaluation phase and only when account balances differ. Copying between funded accounts (or between funded and challenge accounts), copying between same-balance accounts, or using external copying tools is prohibited.	FT+ requires accounts to be traded independently. Copy trading between active FT+ accounts is not permitted, and hedging across multiple accounts is strictly prohibited (hedging within a single account is allowed).
EA Allowed	PipFarm’s Terms prohibit using a commercial trading robot purchased from a third party without any adjustment to strategy.	EAs/cBots and indicators are allowed on evaluation programs as long as they follow permitted strategies. EAs/cBots are not allowed on Instant plans (Standard/Pro).	Expert Advisors (EAs), algos and bots are permitted. FT+ warns that abusive automation can lead to bans and may require traders to submit their EA for approval before receiving a simulated-live FT+ Trader account. EAs may not be used to copy trade or hedge across multiple FT+ accounts.
KYC & Restrictions
KYC Required	No	Yes	Yes
KYC Stage	PipFarm’s Terms state that to participate in the Remote Trader Program, the user must pass an ID verification process after passing a Trading Challenge for the first time. PipFarm states verification is completed via ComplyCube or Veriff and may require an identity document, a selfie, and (in some cases) proof of address, questionnaires, or a video call.	KYC/identity verification may be required as part of payout/compliance checks (especially when using third-party payout rails such as Rise). Traders should be prepared to provide standard verification documents if requested.	KYC / identity checks are required at the FT+ Trader stage (simulated-live funded accounts), typically to confirm account ownership and support withdrawal processing under compliance requirements.
Restricted Countries	Afghanistan Central African Republic Congo (Republic of the Congo) Crimea Democratic Republic of Congo Iran Libya North Korea Somalia South Sudan Sudan Syria Yemen	United States Singapore Russia United Arab Emirates (UAE) Cuba Sudan Somalia Iran Lebanon Syria North Korea Libya Pakistan Vietnam and any other jurisdiction listed by FATF or subject to international sanctions	North Korea Myanmar Cuba Syria Iran Pakistan Vietnam

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