New at Upcomers. Start any CFD challenge for just $5. You only pay the activation fee after you pass.
$5 to start. That is the whole barrier. No large upfront fee, no risk before you have proven yourself. You pay the activation fee only after you pass. This is Pay After You Pass.
Simple challenge. Real funding. Pay when you win.
Key benefits:
$5 entry. The lowest starting cost on the market
One simple phase: 4% profit target
8% Static Maximum Loss in the challenge (fixed, never moves)
No daily drawdown in the challenge phase
Pay the activation fee only after you pass
14 days to activate your funded account
99% profit split
1:100 leverage
Funding up to $1,000,000
Who Is Pay After You Pass For?
Traders who want to prove themselves first and pay later.
You want the lowest possible entry. Five dollars gets you in. Nothing else until you pass.
You want a simple, fair challenge. One phase. A 4% target. No daily drawdown to trip you up.
You only want to pay for funding once you have earned it. No activation fee leaves your pocket until the challenge is behind you.
This is for traders who back themselves. Prove it for $5. Pay for the funded account when, and only when, you pass.
How Pay After You Pass Works
Choose your account size
Pay the fixed $5 entry fee
We create your challenge account
Reach the 4% profit target without breaching the 8% Static Maximum Loss
Once you pass, pay the activation fee for your account size
We create your funded account
The $5 entry fee gives you access to the challenge phase only. It does not include the funded account. The funded account is created after you pass and pay the activation fee.
Pricing
Two simple payments. $5 to start, and the activation fee once you pass.
Account Size | Entry Fee | Activation Fee After Pass | Total Paid After Activation |
$5,000 | $5 | $59 | $64 |
$10,000 | $5 | $99 | $104 |
$25,000 | $5 | $199 | $204 |
$50,000 | $5 | $299 | $304 |
$100,000 | $5 | $499 | $504 |
$200,000 | $5 | $899 | $904 |
$300,000 | $5 | $1,299 | $1,304 |
$400,000 | $5 | $1,699 | $1,704 |
$500,000 | $5 | $1,999 | $2,004 |
$600,000 | $5 | $2,299 | $2,304 |
$700,000 | $5 | $2,599 | $2,604 |
$800,000 | $5 | $2,899 | $2,904 |
$900,000 | $5 | $3,199 | $3,204 |
$1,000,000 | $5 | $3,499 | $3,504 |
Your $5 entry starts the challenge. The activation fee is charged only after you pass and applies to the account size you selected.
The 14-Day Activation Window
Passing the challenge does not move you to the funded phase automatically. You choose when to activate by paying the activation fee.
You have 14 days after passing to pay the activation fee. Once paid, we create your funded account.
If the activation fee is not paid within 14 days, the passed challenge expires and can no longer be activated. Do not leave a passed challenge waiting.
The Rules
Parameter | Challenge | Funded |
Product Type | CFD simulated evaluation | CFD simulated funded |
Number of Phases | 1 | N/A |
Profit Target | 4% | No target |
Daily Drawdown | None | 3% |
Maximum Loss | 8% Static | 5% Dynamic Risk Shield |
Max Single Trade Loss | None | 2% |
Best Day Rule | None | 20% |
Leverage | 1:100 | 1:100 |
Profit Split | N/A | 99% |
Minimum Trading Days | None | None |
Minimum Trades | None | None |
Time Limit | Unlimited | Unlimited |
Inactivity Period | 35 days | 35 days |
First and Next Payout | N/A | Anytime payout |
News Trading | Allowed | Allowed |
Weekend Holding | Allowed | Allowed |
Overnight Holding | Allowed | Allowed |
Expert Advisors | Allowed except prohibited strategies | Allowed except prohibited strategies |
KYC | Not required before the challenge | Required before funded activation |
Note: the challenge uses Static Maximum Loss (fixed). The funded phase uses the Dynamic Risk Shield.
The Challenge Phase. Kept Simple On Purpose
One phase. One target. We designed the challenge to be straightforward.
Profit Target: 4%. Reach it and you pass.
Daily Drawdown: None. No daily limit to catch you out during the challenge.
Static Maximum Loss: 8%. Fixed for the whole challenge.
Time Limit: Unlimited. Trade at your own pace.
Static Maximum Loss Explained (Challenge)
Your stop-out level is fixed at 8% below your starting balance. It never moves, no matter how much profit you make.
Example on a $100,000 account (4% target = $4,000, 8% max loss = $8,000):
Scenario | Equity | Stop-Out | Status |
Start | $100,000 | $92,000 | Active |
Profit +$4,000 | $104,000 | $92,000 | Target hit, you pass |
Loss -$5,000 | $95,000 | $92,000 | Safe |
Loss -$8,000 | $92,000 | $92,000 | BREACH |
The line does not chase your profits. You always know exactly where it is.
The Funded Phase. This Is Where It Counts
You passed and activated. Now the real risk rules apply.
Daily Drawdown: 3%
On a $100,000 funded account, your maximum daily loss is $3,000.
Dynamic Risk Shield: 5%
In the funded phase your maximum loss becomes dynamic. It moves up with your profits.
Starts at 5% below your initial balance
Moves up as you make profit
Never moves down
Locks at your initial balance once reached
Example on a $100,000 account:
Scenario | Equity | Shield Level | Status |
Start | $100,000 | $95,000 | Active |
Profit +$4,000 | $104,000 | $98,800 | Shield rises |
Profit +$6,000 | $106,000 | $100,000 | Locks at initial balance |
Loss back to $100,000 | $100,000 | $100,000 | BREACH |
Max Single Trade Loss: 2%
No single trade may exceed 2% loss of your initial funded balance. Splitting one position into several on the same instrument and direction counts as one trade.
Best Day Rule: 20%
No single trading day can represent more than 20% of your total withdrawal amount. This is a soft rule. It does not breach your account. It only delays a payout until your profit is more balanced.
Profit Split: 99%. Anytime payout.
You keep 99% of everything you make, and you can request a payout at any time.
Funded Breach Conditions
Your funded account will be terminated if:
Equity drops to the Dynamic Risk Shield (5%)
Daily loss exceeds 3%
A single trade loss exceeds 2%
A prohibited trading strategy is detected
From $5 To Funded
Step | What Happens |
Pay $5 entry | Challenge account created |
Hit 4% target | You pass. Depends on you |
Pay activation fee (within 14 days) | Required before the funded account is created |
KYC verification | Required before funded activation, 2 to 4 minutes |
Funded account created | Start trading for real payouts |
KYC is a one-time step. It is not required again for future accounts.
General Rules Notice
This product, like all Upcomers programs, is subject to our standard trading rules and policies. These include our framework on prohibited strategies and our guidelines on responsible trading and gambling-style behavior, both of which apply across all our challenges and funded accounts.
We recommend reviewing both articles before you begin trading:
Prohibited strategies: https://help.upcomers.com/en/articles/8703143-what-trading-strategies-are-prohibited-at-upcomers
Rules restricting gambling: https://help.upcomers.com/en/articles/11484528-rules-restricting-gambling
Why Choose Pay After You Pass?
Lowest entry on the market: just $5 to start
Pay for funding only after you pass
Simple one-phase challenge: 4% target
No daily drawdown in the challenge
8% Static Maximum Loss: predictable risk
No time limit and no minimum trading days
99% profit split with anytime payouts
Scale up to $1,000,000
Pay After You Pass. $5 to start. Pay for funding only when you win.