28/01/2017. SumWex Review and Daily News from the HYIP Industry

Hello everyone, and I hope the weekend has been for you all so far. For me it’s my last couple of days of my vacation here in New Zealand before I travel on towards Fiji. That doesn’t mean work has to stop on MNO of course as regular readers will know days off are quite a rarity here. Even more so at the moment though, this January really has been explosive with more high quality programs coming here for listing all the time. Two more new Premium Listed programs will be introduced in the news section below, so keep reading for more info on those in a few moments. Among the latest (though not quite the newest) program added to the MNO Premium List is SumWex, a mostly short term program. While it has been running for a month now it looks like the admin’s plan was definitely to start things off low-key during the holidays and begin a massive advertising campaign once the HYIP industry resumed in January. So let’s take a look at what SumWex are all about and whether you think they might be worth taking a risk on.

There are three investment plans to choose from in SumWex, though by their own description one of them is listed as a “Trial Plan”. I don’t know why, it’s open to some fairly large deposits and on a profit per day basis compares quite favorably with the others. Anyway, you can join for a $10 and the term runs for 5 calendar days SumWex offer their members one single payment on expiry, at a rate of 110%. This figure includes your initial investment combined with the profit, so don’t expect your principal back in a separate payment. That therefore leaves you with your own money back plus 10% from SumWex as your reward for joining. A maximum spending limit of $10,000 is placed on investments here.

The next option, called The Swift Plan changes from on expiry to daily interest payments. The term length extends to 10 calendar days though this is course is still very much in the category of short term plans anyway. SumWex charge a minimum $10 to join, and for anything up to a $10,000 maximum you earn a daily interest rate of 12%. So with the SumWex admin including your principal as part of those payments, a final return of 120% leaves you with your own money back plus 20% net profit.

SumWex continue with the daily payments in their third or so called Regular Plan. The limit for investments stays in the ranges of a $10 minimum to a $10,000 maximum, and the term length extends to 19 calendar days. In return for your money this time SumWex offer a reduced daily rate of 8%, however with the extra payments this time the final earnings come to 152%. Your principal is again counted as part of the daily payments, so you get your own money back plus 52% in net profit as your reward for joining.

If you are happy to see any of those plans added to your portfolios (and remember there’s nothing to prevent you from joining all three if that’s how you feel) then the payment methods in use by SumWex are up to an acceptable industry standard. You can use any of PerfectMoney, Payeer, and AdvCash if you favor one of the more traditional style payment handlers. If on the other hand you are one of the growing army of HYIP investors dumping the old school and switching allegiances to BitCoin then SumWex are using this too.

However I would need to clarify a couple of things about BitCoin deposits and how the process differs somewhat from the other regular processors. If you are using the likes of let’s say PerfectMoney for example, there is an interface (as usual) within your SumWex account that takes you directly to the PM website where you can then invest. There is no such feature for BitCoin, so in this case you will be depositing directly into the program’s own wallet. This was quite confusing for a couple of my referrals first, but the admin assured me that any amount sent to that BitCoin address would be added automatically to your available funds. You will also notice two buttons in your SumWex account area, one marked “add funds” which is fairly self-explanatory I think, moving money into your account area with the program, and the other button labeled “make deposit”. It’s this second button you will need to hit in order to move the money out of your account area (otherwise it just sits there doing nothing) and into an active investment plan where you will start making money. Withdrawal requests are handled manually by the SumWex admin and will need to be requested from inside your members account area. Strictly speaking according to the program’s own rules you are asked to allow anything from 24 to 48 hours for your transaction to be processed. That may eventually turn out to be the case if SumWex ever becomes as big as it has the potential to do, however in my own short experience with them all of my own withdrawals were done exceptionally fast for manual payments, sometimes even five minutes so kudos to the admin for as long as he manages to keep that schedule going. It’s going to prove a very strong selling point in an extremely competitive HYIP market these days. Minimum withdrawal is a dollar by the way, or its BitCoin equivalent, so smaller investors take note.

Looking into some of the more technical aspects of SumWex now such as design and website security, it’s really impressive right from first glance with its user-friendly layout and excellent graphics. SumWex is also powered off a custom made script which has been developed especially for the program. We don’t see enough of this in the industry in my opinion, because as long as it’s been rigorously tested for safety it gives the admin a lot more flexibility to develop his website as the program’s needs change, making improvements without the need for reliance on third party support techs. It’s all very yet easy-to-navigate by the way, and SumWex is customer friendly. The site has an SSL secured certificate by Comodo for safer browsing and more secure transactions and for a hosting provider the admin has opted for DDoSGuard who are keeping the SumWex website on a dedicated server with their tech support and protection from malicious attacks.

If the need arises that you have to contact the admin with any further questions you think may not have been covered in this review or any account related issues that need to be cleared up then you have a couple of options. For e-mail support you can fill in your details on the online contact form and submit it through the SumWex website. You may be able to get certain things cleared up a lot faster though if you find a Live Support operator on the program’s Skype account. SumWex are also the latest HYIP to implement the Telegram instant messaging system so you can try that one out as well if you are already familiar with it.

The only real “downside” I can see here for want of a better word is that SumWex have been plying their trade for a couple of weeks now, long enough for a good number of the first investors to be comfortably in profit from all plans. What’s so bad about that you might think? Well, nothing really, but there’s no point in denying that when it comes to shorter term programs there’s a lot of investors who get very sensitive about how long it’s been running up until now. For SumWex though I do believe there is still a certain untapped market for what they are selling, because I can see for myself there’s a demand out there that’s not currently being met. We’ll see soon enough if there’s still enough enthusiasm out there to sustain SumWex for another couple of cycles anyway, but I suspect there might be.

As for a business plan, well, experienced HYIP players will probably know to ignore this, but SumWex are claiming to be involved with the ForEx currency exchange. A story often repeated in the HYIP industry! You can’t do much to independently research and verify this anyway even if you believe it, so as always best to treat SumWex like any other online HYIP. Keep your expectations modest and realistic, and stay well under a sensible spending limit. Invest only what you can comfortably afford to lose and earn back from other income sources, and if you do spend money on SumWex then keep it as a just one part of a wider more diverse portfolio.

Before we finish up with SumWex for today then and move on to the news section I just want to ask readers what their own thoughts on the program are. Do you like it or not? Do you think it’s a program worth joining, or will you skip it? Please answer the following opinion poll, which as always will throw up some interesting results in the coming months and show how many people’s first impressions were good or not. Remember that all replies are 100% anonymous and untraceable, and it only takes literally a second to participate. So:

Note: There is a poll embedded within this post, please visit the site to participate in this post's poll.

DAILY NEWS FROM THE HYIP INDUSTRY

WHYNOT INTRODUCTION

Out of the two programs that were added to Premium List on MNO over the last 24 hours I’ll start with the simpler one – WhyNot. And seriously, if you want to find something with a simpler investment plan than WhyNot offers you would probably fail. It’s 3% daily for an unlimited term, i.e. “forever” starting from a $10 minimum via PerfectMoney, Payeer, BitCoin, and AdvCash. Withdrawals are all processed instantly, and you will reach the break-even point on your investment on day 34, and start getting passive profit for the remaining lifetime of the program without the option of principal withdrawal. The WhyNot website features quite a quirky design which looks like a PowerPoint presentation and might not be to everyone’s taste, but nevertheless is very original which is good if you’re trying to beat the competition and make your unique trademark. Navigation is easy enough to figure out, as the site is running off a licensed H-Script, just sometimes the unorthodox italic fonts are hard to read and many of you might need some time to adjust. Technically, WhyNot is not bad either with an SSL-certificate from Comodo and hosting on a DDoS protected dedicated server by OVH. Although the website has been online for almost three weeks now, with 3% daily profit no one has reached the profit zone yet. The admin is trying his best to show he has a vision of how to gradually develop and market the project to a more HYIP-related audience. I guess listing WhyNot on MNO is just a part of the strategy and his goals and achievements were outlined on a separate page of WhyNot some of which were implemented during the site’s first twenty days online. Here’s the most important of them, in my opinion, just to illustrate the progress that’s being made (different languages, gradual raising of maximum deposits, etc>), with all the features of the program to be properly discussed in the upcoming review of WhyNot on MNO next week:

“Good news!
We have reached the level of 10,000$! Today 430 participants are registered and the total amount of collected investments are over 10,000$. The administration of WhyNot fulfil our promises and we are pleased to inform you about the innovations!”

“We have 1000!
Team WhyNot continues to grow rapidly and completely fulfills their promises during all the period of working.
Today is a significant day for our project!
1000th user signed on at WhyNot! Team WhyNot congratulate Olla and doubles his deposit 20$!
We have many different innovations and surprises ahead of us!”

“Another update!
Added Chinese and Turkish languages.
Corrected a bug with Bitcoin payment system.
Increased the daily limit of adding funds to 20000$.”

MACAOLOTTO INTRODUCTION

MacaoLotto is another program added to Premium listing on MNO yesterday. To say that it’s different from others is an understatement. As the name implies MacaoLotto is a wild combination of HYIP and lottery with different and will require either making an investment from a $10 minimum via PerfectMoney, Payeer, BitCoin, or AdvCash, or otherwise just buying a lottery ticket to try your luck. Of course, as we will mostly talk about MacaoLotto as a HYIP I will briefly describe its investment plans, with more details to follow. Don’t let the fancy design fool you though, as MacaoLotto is mostly an investment venture cleverly disguised as some sort of online casino to give them more legitimacy in people’s eyes (they even claim to accept Visa and Mastercard as payment options to further impress visitors). Obviously, when we’re dealing with things like this it might be very confusing for a regular HYIP investor to get started, so I’ll just briefly describe the initial steps. After creating an account in MacaoLotto you should click “Purchase an investment ticket” which will then present you with an option to pay from $10 to $150K via any of the available payment methods. After the purchase of an “investment ticket” is done you will see the six balls and you need to click on one of them which will represent daily interest from 0% to 6% you will be able to see in your account available for withdrawal in 24 hours time with the countdown saying “Time left to charge a prize”. Then just make a withdrawal request as usual and your “prize” will be paid manually within 48 hours. I myself failed to pick the right ball the first time and therefore now have to wait for another chance to pick a luckier one in this draw. From the admin’s calculations in one of the newsletters re-posted below you should get approximately 165% with an average of 3.3% over the first 50 calendar days. The total duration of the so-called “investment ticket” is two years, but after the initial 50 calendar days you will be paid less and will continue playing for a chance to win from 0.25% to 1.5% interest for the next 680 calendar days. Do MacaoLotto stand any chance to last that long? I myself doubt it very much, however the original idea that MacaoLotto brings to the industry should be treated seriously. The income from selling lottery tickets for other games available on MacaoLotto theoretically is supposed to help the main investment platform last longer and attract a totally different type of audience. As allegedly being based in Macao, considered to be the world’s top casino market, the site has English, Chinese, Portuguese, and even Hindi language versions. The admin has obviously spent a lot of money on building one of the most sophisticated websites I’ve seen recently and technically good too. The domain name is registered for five years in advance, the site is SSL-secured by Comodo, and hosted on a dedicated and DDoS-protected server by OVH. More info will be in the upcoming review on the MNO blog in a few days. For now I’ll just re-post the two latest news updates from MacaLotto which will give you a better idea how the site works, more ways the site is promoted by the admin apart from monitors, and will hear the Chinese New Year greetings which I also share and congratulate the Chinese community around the world on this:

“Congratulations to the buyer 50000 lottery ticket.
Congratulations to the buyer 50000 lottery ticket Macao Lotto. The winner was Tu?n (****an**viet1977@gmail.com) from Vietnam.
Congratulations! The prize has been sent!
What’s new in MacaoLotto??
1. BONUS
Bonus Video Review Macao Lotto:
Desktop Review – $ 3. Selfies review – $ 10.
The bonus is credited to your partners account. Withdrawal is available to Perfect Money.
2. PARTNER PROGRAM
When the accumulation of the total investment of your partners with 2 levels in the amount of:
The first $50,000 – you get a bonus of $1,500.
The next $50,000 – you get a bonus of $1,000.
The bonus is credited to your affiliate account and you can withdraw funds to your wallet.
Dear participant and investor Company MacaoLotto.
During this time we were joined by both fans of games in the lottery as well as investors from Japan, the United Kingdom, Germany, Czech Republic, Russia, Ukraine and other countries.
Once again we want to focus attention on investment lottery.
All investment tickets have 6 blocks on 0, 2%, 3%, 4%, 5% and 6% each. This means that the average rate is 3.3% per day. That is easily calculated using the formula: (0 + 2 + 3 + 4 + 5 + 6) / 6 = 3.3.
None of the company’s managers can not intervene in the investment ticket.
And only it depends on you, what kind of interest rate you will fall into one or the other unit.
As in every lottery, it is a matter of chance!
During the 50-day investment period, the average profit from each ticket will be 3.3% per day, or 165% in 50 days.
And even after 50 days of each ticket investment period lasts 2 years, which brings to 1.5% per day (0.54% on average).
In addition, 40% of the income from the lottery will be deducted in the Investment Fund, which is a good deterrent, or the so-called investment pillow.”

“Happy New Year!
Dear participants and investors!
New year Fire Rooster, who was awakened by his cry of progressive online community, and told about the rapid and powerful development of the Company MacaoLotto.
We are glad to inform you that the Company has stepped over the threshold of the 100-day activities online!
During this time we were joined by thousands of fans of games in the lottery and investors from Japan, the United Kingdom, Germany, Czech Republic, Russia, Ukraine and other countries that have acquired hundreds of thousands of lottery tickets and investment.
Unique Unique Marketing Companies MacaoLotto, combining excitement and early awakening of the Fire Rooster to new financial heights of unites more and more interested players and investors around the world, bringing joy and confidence in the future!
Congratulations to each player and the investor and wish happiness and success in the New Year!”

ZINC7 – MNO BANNER EXTENDED FOR SEVEN MONTHS AND LATEST REFERRAL SYSTEM IMPROVEMENTS TO MAKE YOU EARN EVEN MORE

Are you aware of the fact that Zinc7 is probably the biggest program on MNO that I had the pleasure to monitor over the last few years? With currently over 1,500 referrals and over 650 with active deposits it’s no wonder the admin of Zinc7 Martin approached me a few days ago and extended his banner on the MNO monitor for no less than seven (!) months. The new expiry date is now in September. Sounds too ambitious to achieve that mark for the voted #1 most popular program on MNO in 2016 Zinc7? Well, then who would have thought that Zinc7 was going to achieve these heights back in September 2016 when the program first launched and being exclusively monitored on MNO was not taken seriously by some self-appointed experts who simply laughed at it? Where are those “experts” now and don’t they feel a little bit stupid to have missed one of the ten best programs of the last number of years? I have no regrets myself and neither do hundreds of people who joined Zinc7 under my link and managed to earn from its two 7% for 22 business days or 110% after 7 calendar days plans. Anyway, it only requires a $25 minimum via PerfectMoney, Payeer, BitCoin, or AdvCash to start perhaps the most profitable journey you may ever take. Withdrawals are usually lightning fast and in most cases you are paid by Zinc7 in five minutes or less. No wonder people love Zinc7 so much and keep supporting it by reinvesting and bringing their friends in order to earn affiliate commissions. After all, it’s not wrong to be rewarded for putting a smile on someone’s face and their wallets thicker, especially if it helps the program you have your money in to develop further and grow – the essential core of its longevity and your own success for months ahead. The long-term thinking is perhaps one of the most important qualities for HYIP admins which Zinc7‘s owner Martin certainly possesses. The latest improvement during the last few weeks was all about building a lucrative and rewarding so-called “ARGS” which stands for “Automatic Referral Gradation System” and which Martin proudly presented as the latest newsletter which you can read below and find out how you can become super-affiliates with the current biggest program in the HYIP industry. Without giving away the details, you will see that it’s just perfect and an example for many other programs in the future. Before re-posting it below, I would like you to read the first review of Zinc7 posted here, and compare it with the website you see today, four and a half months later to see all the hard work that has been done and all the positive changes that have been made by passionate in what they do the team of professionals behind Zinc7. I’ve decided to write a follow-up review of Zinc7 sometime next week, as this is just a one of a kind program that doesn’t come our way too often, and that is why should be cherished and cared for, so stay tuned for that. MNO will certainly do its part in promoting Zinc7 further, but members are required to do their part too and then the admin will be generous and share the program’s accumulated wealth with the best promoters as suggested in the following newsletter:

“ARGS SYSTEM, UPDATES & IMPROVEMENTS
Hello to all the investors worldwide. It is a very special article for all the active partners of Zinc7 Digital Funds Investment Platform®. The fact of 8 new professionally translated language versions being added, with more than 55 yet to come is simply darkening under the perspective or our major all new instrument. With a continuous growth around the globe, thousands of true leaders & online investment market professionals joined Zinc7. We always aim at providing you with the most lucrative investment plans, and without a doubt, effective acts of true leadership shall be suitably encouraged & supported by us.
Today we are pleased to announce one of the biggest update which we have being working on for quite some time. Proudly present to you our all new ARGS, (Automatic Referral Gradation System).
Each active leader wants to be rewarded for his effort which allows him to generate massive team’s capital overturn. Receiving worthy check – is what moves you to hit the record of the team building again and again. However bigger you become, more noticeable your results are, greater payoff you shall expect. Without further ado, let’s talk about ARGS in specifics.
We decided to subdivide our affiliate program at 4 levels. Each referral gradation has a different 3 downline reward system (referral program bonus). Referral program upgrade is automatic as soon as your 1st downline deposits and team members quantity increased up to the necessary amount proper to a particular ARGS gradation (info displayed in your AFFILIATE secure area section).
Zinc7 user statuses:
– Investor Status / Regular user status being offered to all partners who have an account in Zinc7 Platform. 5%-2%-1% Referral program (Team deposits requirements $0-$70K) 10% One-time bonus (from your 1st downline deposits amount)
– Representative Status / Advanced user status for all the Zinc7 trusted leaders with visible team-building results. 7%-2%-1% Referral program (Team deposits requirements $70K-$700K) 10% One-time bonus (from your 1st downline deposits amount)
– Region Leader Status / Exclusive user status created for top level online marketing professionals. 10%-2%-1% Referral program (Team deposits requirements $700K-$7M) 10% One-time bonus (from your 1st downline deposits amount)
– Director Status / Top user status crafted for special need of those who aim at deep level team-structure building. 7%-7%-7% Referral program (Team invested $7M and over) 10% One-time bonus (from your 1st downline deposits amount)
With a fact of growing up bigger to the next gradation, 10% check bonus from all the deposits of your 1st downline remains on hold. This bonus will be automatically credited at your available balance as soon as your account upgraded to the next ARGS level (next status). Watch your current ARGS results at your Secure Area (Affiliate section) in order to know when you will get 10% check bonus ready to withdraw.
Now there is no limit of business ambitions with Zinc7. Passion to perform with 777 horse power will empower those strives to break all the records. Become the master of online marketing, leadership and team-building with Zinc7. Unite people effectively getting paid with impressive checks!
Find yourself a trusted local partner today at http://ift.tt/2ke9FoN
Our community’s rock solid reputation combined with time proven marketing solutions become destine to entitle all of us with the most effective capital growing platform being created yet. Zinc7 – Platform built for your constant financial confidence based on core essentials of Security, Stability & Profitability.
Interested in becoming an effective leader?
Talk with us about ARGS (automatic Referral Gradation System) opportunities at: http://ift.tt/2ky2Hbt
Secure Encrypted investor’s chat: http://ift.tt/2ked7zU
Stay in tune with official Facebook channel http://ift.tt/2kxVGri”.

RIGHTRISE – SCHEDULE MAINTENANCE DUE TO SERVERS MOVE

The admin of RightRise warned everyone in advance that later tonight his website will be unavailable for several hours and quoted moving to new servers due to increased popularity as the main reason:

“Servers maintenance
Due to the increased popularity – we decided to move to the new servers.
On Saturday, 28 January, starting at 20:00 (UTC + 1) the site will be unavailable. Estimated maintenance time – 2-3 hours.
We appreciate your understanding and support!
With the great respect, RightRise Team”.

I guess no one can deny that the possibility of such a move was expected for a long time judging by the increasing level of interest in the program that defied the sceptics and managed to prove that a program can like this can run for 100 days. That’s exactly for how long RightRise has been treating investors to instantly processed payouts on the only 1% to 3% variable daily “forever” plan which can be further enhanced by a series of so-called “boosters”. Rates are posted on the website, then credited to members’ accounts and are available for instant withdrawal to PerfectMoney, Payeer, BitCoin, LiteCoin, DogeCoin, BTC-E, YandexMoney, NixMoney, and AdvCash. You can purchase any amount of $30 shares and start earning with RightRise, just like so many others have been doing. And if you’re curious to find out more about RightRise, then your only stop is the review on MNO posted here.

WEOLLEE – LATEST STATS AND BOT IMPROVEMENTS

Do you still remember Weollee? Yes, I’m talking about that first of its kind Telegram-based program that allows investors complete flexibility. It only locks your deposit for 24 hours while bringing 1.5% daily profits with instant payouts to PerfectMoney, Payeer, BitCoin, and AdvCash. The thing is that after the program was first listed on MNO ten days ago and the review was published (click here to read it) there seems to be not much else happening. Weollee just worked tirelessly while bringing profits to ever growing number of investors attracted to the program by its total flexibility and the power of a totally autonomous investment platform powered by Telegram. Of course Weollee also has a website which is just there for information purposes as much as anything. However, it’s only after downloading and installing Telegram on your device and activating the Weollee bot that you enjoy it fully. Finally, after an elongated silence the Weollee bot issued some updates in both English and Russian on its own Telegram news channel. In this update, some improvements the admin/creator has been working on over the first ten days online, have been introduced and the latest stats of about 2,000 people already joined Weollee have been shared. See below for more info:

“I’m Weollee
My creators taught me amazing things, which I would like to share with you:
1. Menu: in ‘my income’ heading I have added your ID. You can easily find your unique number in neural network.
2. Chats: I have created chat for international conversation in English. Now partners from all over the world can easily speak and understand each other. http://ift.tt/2ke9s59. There is also a chat for Russian speaking partners http://ift.tt/2kxSlsj.
3. Notifications: the most amazing thing my creators taught me is to send you notifications to your personal neural network account. Also I have learned how to inform you about new partner has started a mission and about partner filling his own money box.
4. Channel: from now on I can inform you about news and innovations in my neural network on my channel. Make sure you do subscribe, in future I will learn how to give away bonuses, prizes, create polls and inform you about all my news. https://t.me/weollee
Each day my neural network expands dramatically, people trust me making them richer and free.
Let me show you some statistics:
– 1950 people has started their missions in my neural network within last 11 days.
– 66500$ were invested.
– 25700$ have been withdrawn.
– Neural network conversion is almost 45%!
Tell about me in social networks, share your results and achievements with others. Make a video and comment, because my neural network is amazing and my biggest journey with you has only begun. Thank you for your attention.”

MEXEER – OWN BLOG LAUNCHED AND COMPETITION FOR BEST VIDEO REVIEW STARTED

In the latest updates from the last two days on Mexeer it was announced the program’s own blog launched where you will be able to read all the important updates from now on. In addition to that, the contest for best video review has begun with some cash prizes promised for the first fifteen winners. The contest will only run until February 15, so hurry up if you want to try. Here are both updates from Mexeer for your reference:

“Dear Mexeer platform participants.
We present you MEX blog!
Now, each participant will be able to share important or interesting information about the project, discuss the questions, publish tools instructions or to advertise the upcoming events related to the project.
Active users of the blog will be rewarded with bonuses from the project.”

“New competition from Mexeer community in VK.com
Dear platform participants!
Administration of Mexeer Community in VK.ru announces the launching a competition for the best video review on Mexeer platform.
Particular attention will be given to video-reviews which include all platform tools (stock exchange, currency exchange service, deposit program, referral program, etc.)., as well as promotional presentation of the work.
Prizes in the contest:
1st place – $ 1000, 2nd place – $ 300, 3rd place – $ 200, 4 to 15 place – open deposits for $ 50
We accept video in any language before – 15 February!
We wish you all the inspiration and victory in the competition!”

If you haven’t read the full review of Mexeer posted here, I’ll just briefly remind you about the main features. Mexeer accepts investments into three plans – 2% for 75 days, 2.3% for 74 days, 2.5% for 72 days. Withdrawals are processed manually on request and may take up to 72 hours before getting paid to your e-currency account. Deposits start from a $30 minimum and are accepted via multiple methods including PerfectMoney, Payeer, AdvCash, BitCoin, LiteCoin, DogeCoin, PrimeCoin, PeerCoin, EmerCoin, and DashCoin. As you can see, there are lots of crypto-currencies taken, as Mexeer has its own currency and facilitates exchanges to and from the MEX currency by charging depositing and withdrawing fees. After the first 75 days online Mexeer has successfully completed the first investment cycle, and I hope that the major improvements the admin has been working on will bring it more exposure and make it more relevant in the long term.

GET PAID REPORT FOR 28/01/2017

Here is the list of the programs from my monitor that paid me for the last 36 hours:
From MNO Sticky list: –
From MNO Premium list: Zinc7, RightRise, AtomicBitcoin, Razzleton, Elizion, BandeiraCorp, Mexeer, Edelweiss5, Xabo, BeyondPetroleum, DateBitcoin, Weollee, AutomatedEnergy, SumWex, LensenGroup, Dowerly, WhyNot (the first instant payments received).
From MNO Standard list: Palmills, PassiveLoan, FenusFive (the first instant payments received).
From MNO Basic list: –

That’s all for today, guys. With an increasing number of programs I’m having to tighten my schedule a bit. Nothing to complain about though, as I like running MNO and find it a pleasure to serve the HYIP industry as well as I can. That means most of next week is booked already with reviews to be of WhyNot, MacaoLotto, and FenusFive plus the follow-up article on the improvements in Zinc7 during the last five months ago. I have yet to decide what I’m going to write about next time, so let it be a surprise. The ultimate goal of MNO is keep you updated and help you earn, so my mission is not fulfilled until every single investor is satisfied. The HYIP season is definitely getting hotter by the day, so thanks for spending it with MNO. Stay tuned and see you all Monday!

The post 28/01/2017. SumWex Review and Daily News from the HYIP Industry appeared first on MNO Blog.

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26/01/2017. AutomatedEnergy Review and Daily News from the HYIP Industry

Hello everyone! As another business week comes to a close and Spring time finally looks to be somewhere on the horizon at least (and not a far off distant dream anyway) the HYIP industry is in my opinion going through something of a renaissance. Certainly it’s the best start to the year I remember since even before the closure of LibertyReserve some years back. Even today I have another brand new short term program that you might like to introduce, so keep reading the news section for more info on that. The list of new programs being reviewed on MNO continues today with an interesting new project called AutomatedEnergy. At first glance it looks fairly basic in terms of investment plans, but when you take a closer look it actually covers a very wide spectrum and I think is one of the very few HYIPs we can genuinely say “has something that appeals to everyone”. With that in mind there’s every chance that AutomatedEnergy could very well become a popular hit, even in what’s fast becoming a highly competitive market. So let’s see what they’re all about and if you think you might like to add them to your portfolios.

I’ll start things off as usual with the investment plans as that generally tends to be the reason most of you are still reading, and the first thing I noticed about AutomatedEnergy was despite having just three of them how wide a potential market they will appeal to. You get short, medium, and long term plans all under one umbrella, and all of them have a demand from their respective fan bases. You often find in a lot of other programs trying to offer something like this is that they tend to have one good plan while the others are just ridiculous. Not so with AutomatedEnergy however as they seem to have struck just the right balance with a perfect combination of profitability and sustainability here, with interest rates that, in HYIP terms anyway, can realistically be delivered long enough to put a good number of investors into profit. Assuming it’s all managed by a responsible professional admin of course, but that’s a whole other matter we won’t know for sure until solid results are delivered.

By the way, before I get to the details I just want to point out that AutomatedEnergy is operating from Russia, and as such the admin is happy to accept multi currency deposits. You can invest using US dollars or Russian rubles how ever you please (the same rates of interest will be paid to you anyway). Alternatively you can invest with BitCoin but that almost goes without saying. For the sake of keeping this review somewhat reader friendly to as many of you as possible I’m just going to explain the AutomatedEnergy plans using dollars as I know that’s going to be how most of you operate, but for my Russian and CIS readers you can invest in rubles if you prefer. See the AutomatedEnergy website for BTC and ruble spending limits if interested.

So, the first investment option we come across is simply called The 10 Days Plan. Self explanatory then, the term runs for 10 calendar days. AutomatedEnergy require a $100 minimum to join (no, that’s not a typo, significantly more than the industry average here) and offer a daily interest payment in return. This is 11% every day, and factors your principal into the payments as well. By the end than you are left with 110% back on your deposit, or your own money plus 10% net profit for yourself.

The next option, called just The 30 Days Plan, is a lot more affordable. This time the minimum charged by AutomatedEnergy is pegged back to $10, so it’s probably fair to see this one sort of like the “flagship plan” if you will. As you can guess from the name, the term runs for 30 calendar days with AutomatedEnergy making a daily interest payment of 5%. Not so much this time, but with so many more of them it’s ultimately more profitable. Your principal is included among the payments so it takes 20 days for you to reach the break even point (i.e. earn back an amount equal to what you spent) and complete the term with 150%. That’s your own money back plus 50% net profit.

For the third and final plan AutomatedEnergy again turn their attention to slightly wealthier clients, with a $100 minimum investment required to join. It’s called The 90 Days Plan, so no prizes for guessing the term runs for 90 calendar days. In return for joining this one AutomatedEnergy are offering a daily interest rate of 4%, so a longer break even point but a much bigger final profit. You earn back an amount equivalent to what you spent after 25 payments and start counting passive income after that. You should complete the term with 360% back on your investment, or 100% of your own money plus 260% in net profit.

Payment options in AutomatedEnergy are probably the single biggest selling point to anyone who has decided they like the plans enough to join. These include PerfectMoney, Payeer, BitCoin, AdvCash, and YandexMoney which should be more than enough to satisfy most people. However that’s not the biggest issue here. As hinted at in the name of the program, AutomatedEnergy make automatic payments. That means there is no need for members to keep returning to their accounts day in day out, making repeated withdrawal requests. The money is simply sent to the same account you joined with every 24 hours, managed on auto-pilot I would imagine by the AutomatedEnergy script. As I’ve been monitoring the program for a couple of days now I can confirm that this is definitely the case, the only further requirement of us as an investor after you join is to keep an eye on your payment processor account and make sure you are getting what you are owed. By the way, I didn’t already mention this but the maximum investment limit is capped at $10,000 for all plans.

On the more technical side of things such as design and website security, everything looks really well and is up to a more than acceptable standard. AutomatedEnergy is powered by a totally custom-made script that’s been built from scratch and developed specifically with the program’s requirements in mind. This of course has the added advantage of allowing the admin or his programmer make adjustments and improvements if needed as the program runs without any dependency on outside help. Apart from that I can see that AutomatedEnergy is hosted on a dedicated and protected server by with the tech support of GeniusGuard who are widely respected in the industry, and for an extra layer of security have an SSL certificate by Comodo for safer browsing and more secure transactions. This may make a lot of sense given that rubles are an accepted currency by AutomatedEnergy, but the website is also available in Russian where you can view the company registration documents and address in Moscow.

Any further questions you might still have for the admin that you don’t think were covered in this review or any account related issues that need to be dealt with then the main channel of communication is to fill out the customer support form and submit it online. AutomatedEnergy list a series of postal addresses in various countries though I personally wouldn’t bother paying much attention to them. They are all however accompanied by some phone numbers, so you can give that a go if you want to speak directly with someone and expect them to actually pick up if you call.

Aside from that all I can think of saying is that the alleged business activities behind AutomatedEnergy is, we are told, related to engineering and the equipment used for power and electricity generation. Nothing you can do to independently research and verify that claim of course, so I don’t think experienced readers will be taking it all that seriously. Just treat AutomatedEnergy as you would any other venture in the HYIP industry, and keep your expectations modest. Set a spending limit that you can afford to lose as well as earn back easily from other income sources, and if joining AutomatedEnergy at all then try and keep them as a smaller part of a wider more diverse portfolio.

If you have given the matter of investing with AutomatedEnergy much thought then, perhaps you wouldn’t mind sharing your opinion with your fellow MNO readers by participating in the following poll. Remember that it’s completely anonymous and untraceable, and will only take a second of your time. I think it will be interesting to look back on the results in a number of months and see how many people’s first impression, good or bad, about AutomatedEnergy was the right one. So:

Note: There is a poll embedded within this post, please visit the site to participate in this post's poll.

DAILY NEWS FROM THE HYIP INDUSTRY

FENUSFIVE INTRODUCTION

The newest program that was listed on MNO’s Standard listing just a few hours ago is called FenusFive. It’s a brand-new short-term program offering some reasonably priced investment plans all available from a $10 minimum via the four most popular payment systems – PerfectMoney, Payeer, BitCoin, and AdvCash. Depending on the size of your investment with FenusFive you will receive a fixed once-off payment on expiry of an investment term which will vary from just one to fifteen calendar days – 101%-105% after 1 day, 104%-120% after 3 days, 107%-130% after 5 days, 115%-165% after 10 days, 125%-200% after 15 days. I’ll have a further break-down of all the investment plans in the upcoming review of FenusFive by Monday, but for now you should be pleased to know that according to the program’s FAQ all the withdrawals are processed instantly, apart from some technical issues that might arise on payment processors’ accounts from time to time that is. I have yet to test this instant withdrawal feature, but ‘ll know for sure before the review. For now I really like one particular feature of the FenusFive website – it runs off a custom-made script which is a rarity nowadays, especially for short-term programs like this. Besides, the website layout looks great, everything is explained perfectly well, and it’s not too shabby on the technical side either with SSL-security by Comodo and hosting on a dedicated server provided by DDoSGuard. As the site has only just launched I’m forward to doing a more detailed analysis on Monday, so stay tuned for that. Meanwhile, you can see yourselves if you like the website here and read the first ever announcement given by FenusFive‘s admin in his news section:

“FENUSFIVE investment site is available online
Starting from today our official online investment site is available to investors worldwide. We have worked long and hard to accomplish this goal and now we can share the fruits of labor with our clients. From now on investing with our company is going to be more simple and easier then ever before. You will not have to spend your precious time to meet with our representatives. Now you can manage your investments from the comfort of your own home or on the GO via any mobile device that can access the internet. View your financial statistics and reports instantly and anytime. Receive professional support and online consultations. We truly hope that you are as excited as we are and will use all the advantages brought by this marvelous opportunity. Welcome to FenusFive.”

XABO – TEN MILLION DEPOSIT MARK REACHED AND MORE IMPORTANT UPDATES POSTED

You might be aware that being on MNO for three of its total eight months online the admin of Xabo only recently upgraded his program to Premium Listing on my monitor which meant a detailed review was posted here. I believe the delay in upgrading was due to ongoing improvements the admin had been working on. And I doubt Xabo is going to stop developing anytime soon, guys. With such good growth Xabo has been enjoying over the last few months I wasn’t much surprised when I heard about a $10 million milestone of total deposits was reached. More information and links were added which you can use to learn more about how Xabo works to be able to bring you up to 5% daily return (even more with the daily boosters) until your investment reaches a total of 150%. It’s easy to see why Xabo is growing at such a great pace providing the high 4% to 5% returns we see more often, its instantly processed payouts to members’ PerfectMoney, Payeer, BitCoin, and AdvCash accounts, and perfectly working support service which will not leave out even the smallest $10 investors. Please review the following update from Xabo, learn its different features, and spread the word about it if you are satisfied with the program’s work, as by doing so you will help it grow and thus achieve even more impressive results in the future:

“OVER $10M INVESTED WITH XABO IN A YEAR
Welcome back to all the new and old partners of Xabo!
Today is quite an important mark in the platform’s history.
We are happy to announce that powerful milestone of “$10,000,000 invested” has being achieved!
With more than 41,000 active investors around the globe, united by the company’s idea of successful business, cryptocurrency & technologies, Xabo community growing exponentially, yet more landmarks we will set beyond the horizon!
Our tech team announced that recent website technical works, which some of you might saw, are all done together with useful updates.
Reviews section http://ift.tt/2jvjsFW and full history of all credited revenue day by day can be seen for at https://xabo.io/roi
Just check it out, it is an impressive record we have already!
Being your financial lighthouse Xabo helps you to spread the sails of your investment, live your life with joy, happiness, freedom.
We will finish this article with top FIRST 5 tips brought to you in order to work more efficiently and make your time with us enjoyable.
First Investment
Did you know that over 90% of all the investors on Xabo use Bitcoin successfully as their main currency?
Working tight with technology we constantly enhance your funds protection and security.
How to make your investment experience nice and clean? Discover important tips at: https://goo.gl/pHrXit
First Community Experience
Joining Xabo you can always find the best partner to work with and good news, hundreds of trusted leaders are all ready assist you making your first success in Xabo.
Find local Representative at: https://xabo.io/repres
Or learn more about an affiliate opportunities http://ift.tt/2jkSXjj
First Support
Everybody need help, especially from the first steps. Trusted partnership comes with patience and cooperation.
Our Customer support work with many clients and you 24/7, sometimes we need your assistance as well.
If you haven’t being able to read an important article about Effortless Customer Support Communication, please do so at: https://goo.gl/GAW0xf
First Reviews
Big community needs a good care, from the face of the administration as well as it’s members. Thousands of investors get paid daily, and positive reviews can be the most rewarding moment for our team’s effort.
Be one of those who say something good at our Facebook Channel (Review section) http://ift.tt/2jvlaao
Or share your story from your personal account!
From Xabo, with Love and Professionalism”.

RAZZLETON – TICKETS FOR LOTTERY AVAILABLE NOW AS DEPOSITS AND ARABIC LANGUAGE ADDED

Razzleton has never been shy of applying some unorthodox promotional methods and market themselves more aggressively than others. And it’s been working like a charm so far, as Razzleton has been transformed into one of the most praised and profitable programs online. I wonder if the admin thought it would ever be this big back in December 2015, when it began life as a “sleeper”. Investment plans can be divided into two distinct categories – paying once on expiry (150% after 15 business days, 500% after 20 business days, 300% after 30 business days, 1500% after 40 business days, 1000% after 60 business days, 5000% after 90 business days) and offering daily payouts and principal back at the end of the term (2.1% for 15 days, 2.3% for 30 days, 2.9% for 55 days). Some plans are available from as low as $10 via eight payment methods including PerfectMoney, Payeer, AdvCash, BitCoin, NixMoney, YandexMoney, Qiwi, and Neteller, but withdrawals can be slow, taking up to 48 hours in some cases.

Anyway, from the latest updates Razzleton sent in the last couple of days one was dedicated to their thirteenth (!) language version which is Arabic, so now even Persian Gulf oil sheikhs can understand what Razzleton is and invest there. And why not, as it appears like the current American President is already a fan of the program as prominently featured in their advertising materials. I believe in this case a good sense of humor is another way Razzleton is different from others and what made it such a successful venture. Speaking of that, it’s no joke that a lottery is open for investors of Razzleton who deposit $200 or more in the program and apply for a lottery ticket that puts you in a draw for prizes to be announced on February, 17. So, there’s no time to lose, guys. Read the rules of the lottery below and join Razzleton, but only after reading the detailed review published here:

“Do you have a deposit of $ 200 or more? Get Apple Macbook 12!
A sensational event! We are pleased to announce the launch of a new competition from Razzleton HealthCare Limited. Do you want to get Macbook, iPhone, iPad, Sony PlayStation and other valuable prizes? All our investors will be able to take part in the lottery with 10 cool gadgets which will take place on February 17th, 2017. It’s your chance to try your luck!
To become a participant of our competition you need to have an active deposit of $200. Apply now and get a ticket, which is certain to become the lucky one for you!
Attention! The number of participants is limited! There are only 999 lottery tickets.
Hurry up to apply while there are still tickets available. To find detailed terms and conditions of our lottery follow the link: http://ift.tt/2jkR8CM
Razzleton – luck is on your side!”

“Arabic language bar
As it is known, the Arabic language is spreading rapidly around the world. In the US alone the number of speakers has increased by 29.4% in just 4 years. Razzleton HealthCare Limited always follows current trends, which is why our language bar has been further expanded. Due to the high popularity of our platform among the Arabic speakers now all of the information on the website is available in this language.
Today you can select one of the following languages to use the Razzleton platform:
-English; -Russian; -German; -French; -Spanish; -Polish; -Portuguese; -Vietnamese; -Chinese; -Italian; -Bengali; -Hindi; -Arabic.
We never rest on our laurels and always strive for excellence, making our site most convenient and accessible for every user.
Razzleton is your real path to success!”

RIGHTRISE – VIDEO TUTORIALS LATEST ADDITIONS

RightRise continues to improve its already almost ideal looking website. Today, for instance, it was announced about the creation of a special “Video Tutorials” page, a bit like the MNOVision page where all the program’s videos are posted together for members’ use. You can find the link to this “Video Tutorials” page inside your RightRise account and also in the latest update from the admin below:

“Tutorials
At the homepage and in the personal back-office are added video tutorials that are designed to help beginners to understand how to operate in our investment program.
You can find them at the following links:
Main Site
Back-office
We hope that you with your referrals will enjoy it!
With the best regards, RightRise team”.

RightRise (reviewed here) has been a revelation since it was first open for new deposits more than three months ago. By constantly evolving and improving his website the admin Ronald has totally proved skeptics wrong and made an important statement that programs like these paying on an indefinite term can be stable and profitable for investors. I remind you that with RightRise in order to start making profits from its 1% to 3% variable daily paying “forever” plan you have to open an account and buy any amount of $30 shares. And to tell you the truth, the investors of RightRise are really spoilt for choice with payment methods that include PerfectMoney, Payeer, BitCoin, AdvCash, LiteCoin, DogeCoin, BTC-E, YandexMoney, and NixMoney. Apart from so many payment options the website of RightRise is also translated to many different languages. Just pick the one that suits you best on the top right corner from the drop-down menu of flags and you’re done! Convenient, isn’t it? I guess that’s just another reason why RightRise is so popular among my readers right now.

MEXEER – MORE OPPORTUNITIES FOR PROMOTERS ANNOUNCED

With Mexeer you have a good chance not only of investing, but also to participate in a lucrative incentive program and refer others to earn commissions. But then another question arises – how to become a successful affiliate? The Mexeer admin is on hand to help future leaders to realize their potential to refer more people with the help of online webinars and offline seminars. People willing to undertake such an important task and help Mexeer grow further will be generously rewarded with the administration even promising to pay their expenses in lieu of future earnings. Here is what was said in the latest update from Mexeer on that:

“Great opportunities with Mexeer!
Dear participants of the Mexeer platform, namely structural leaders and professionals of MLM. Each of you has a desire and purpose to build the biggest and successful team in our business. Each of you has a desire to express yourself and to be shown as a real leader and speaker.
Mexeer webinars and seminars are a unique opportunity to declare oneself to the whole world and to become a TOP project leader!
As the practice shows, FAMOUS leaders, who hold both online and offline presentations and conferences, have the biggest teams and the income.
The schedule and speakers will be published on the website and everyone can get on these events. Also all speakers will receive special bonuses and privileges from the administration of the project.
Administration covers all the costs of offline seminars, as well as webinars!
Do not miss your chance to become the most famous and successful Mexeer leader.”

If you are not familiar with Mexeer and haven’t read my detailed review of the program posted here I’ll just remind you of a few things. Dealing with Mexeer is actually more or less the same as dealing with an e-currency, as you buy and sell MEX in your account and at the same time have an opportunity to earn on your trust in this new e-currency that can be purchased and sold via very many different methods like PerfectMoney, Payeer, AdvCash, BitCoin, LiteCoin, DogeCoin, PeerCoin, PrimeCoin, DashCoin, or EmerCoin. It will require a $30 minimum to invest in Mexeer, but remember that you will be paying withdrawal fees taken automatically off your daily profits credited on your 2% for 75 days, 2.3% for 74 days, and 2.5% for 72 days investment plans. So far, after ten weeks on MNO Mexeer is already bringing profits to the first investors who had faith in the gradually developing program right from the start. Congratulations on that wise decision and hopefully Mexeer will not disappoint its newer investors either!

DATEBITCOIN – FACEBOOK GROUP LAUNCHED

Little by little, the admin of DateBitcoin implements the improvements he promised would be introduced on his website in the near future. It actually took him two weeks to only create a Facebook group which in my opinion shouldn’t really take that long. In any case, it’s now open to members of DateBitcoin who want to share their comments about the program or maybe just chat with their fellow members:

“Latest News
Dear members
As part of our regular developments, we have made a Facebook group to stay in touch with our beloved members, we request everyone to join the group, and post your views, ideas and suggestions as this shall help DateBitcoin to reach new heights in performance and at services offered.
Here is the weblink of the facebook group:
http://ift.tt/2jkQODY
We hope you are enjoying your automatic withdrawals!!
Kind Regards, DateBitcoin”.

DateBitcoin was first reviewed on MNO here and offers two investment plans paying 3% to 50 calendar days and 5% for 30% calendar days with the same total return of 150% on expiry of the term. Accepting PerfectMoney, Payeer, and BitCoin starting from $25 you can enjoy automatically paid payments processed at the same time every day, so not much effort required on your part except for actually joining. Having been monitored on MNO since day one, DateBitcoin has currently reached 25 days online which is enough to reach the profit zone if you joined the second plan available to larger investors. We will wait and see now how much longer it will take the admin to implement other improvements promised a few weeks ago, but I’ll definitely keep you updated on that.

SOFTMINING – VIDEO TESTIMONIALS ADDED AND NOTE FROM ADMIN REGARDING DOWNTIME

I must say that over the last couple of days the website of the only Sticky listed program on MNO at the moment – SoftMining – was all up and down. I even received a worried email from one of my downlines wondering what was going on with the website where he just invested money there. So I contacted the admin and received a quick reply that the site was being worked on by technicians and it will be online soon. Shortly after the site was back online, and everyone was able to read the short message directly from the admin of SoftMining explaining the downtime that lasted a few hours during which no one was able to access it:

“Web site host connection problem
The host is in regular maintenance
Do not worry”.

If you haven’t read my review of SoftMining I’ll remind you that the program offers perpetual style investment plans without the possibility to withdraw your principal at any time. When joining SoftMining you should expect to be paid form 0.95% to 1.25% fixed daily interest which depends on the invested amount for as long as the program runs. Note that though withdrawals are processed instantly to all the three accepted payment processors – PerfectMoney, Payeer, and BitCoin – the requirement is to have at least a $5 minimum accumulated in your account before requesting it. Small investors should adjust their investment strategy accordingly, as SoftMining can accommodate such investors with the minimum starting from $10. Read more on the investment plan in the detailed review of SoftMining posted here.

Among the news not related to the technical functions of the SoftMining website was the recently improved visual presentations of the program in the form of the introduction video posted on the main page and now also available on MNOVision. The admin also added a few video testimonials from the program’s members which can be watched on the Review page of the SoftMining website as posted a couple of days ago:

“Testimony from our Miners
Dear Miner
Following videos are testimonies from our miners. Please take a look and we believe you will love us just like they do”.

SOFTMEETBIT – STOPPED PAYING! DO NOT INVEST!

I wonder if anyone actually noticed that SoftmeetBit stopped paying a couple of days ago. I mean the program was possibly the least popular in my memory for quite some time, and despite almost three months online and prompt, in most cases even instant, payouts SoftmeetBit really couldn’t find investors. I believe then you shouldn’t be surprised that the program stopped paying as silently as it has been running with little to no interest from my readers. Those who did join possibly managed to profit, but I’m not sure if the admin made anything, running his program almost in invisible mode and giving up after less than three months. I have really nothing personal against programs performing this way like SoftmeetBit did and leaving many investors in profits, but I can only speculate that the admin was a newbie and had no idea how to make his program more attractive and promote to a wider audience. Even the subsequent improvements to an originally uninspiring design didn’t save the day and SoftmeetBit stayed off the radar. Please note that SoftmeetBit is still accepting new investments, and the admin stopped replying to my emails, so be careful and don’t invest in this program that has been already demoted to Scam status on the MNO monitor as of now.

MNO TALKBACK – POLL RESULTS AND NEW POLL ADDED

I imagine that with a decline in programs working with Payza (currently only two out of the twenty-one monitored on MNO accept it), the preference of my readers will definitely shift when it comes to their favorite payment processors. So, for the new poll I’m going to ask the following question:
What is your favorite payment processor at the moment?

There are five variants to choose from (only one please per person):
1) AdvCash, 2) BitCoin, 3) Payeer, 4) Payza, 5) PerfectMoney.

They are listed in alphabetical order so as not to influence your choice. Your favorite payment processor obviously means that the one that you prefer to use when investing in HYIPs, not the one that you use most often. I have asked this question before, but the situation in the HYIP industry has changed a lot since then and I see BitCoin really competing with traditional payment processors now. Please take a moment to think it over and vote for your favorite payment processor on the TalkBack page here.

The last poll was dedicated to the MNO blog, or to be more exact how people prefer to read it. It’s no surprise to see three quarters of my readers (75% of the votes) said traditional online reading was their preferred method. Only 8% favor the email subscription which can be easily done on this page and will enable you to receive all blog posts daily to your email address. Just 4% picked following MNO on Facebook and Twitter as their preferred method of reading the blog. You should note though that thanks to my programmer’s efforts the process of adding all the latest news and articles to my Facebook and Twitter account is completely automated and all the updates can be seen there within a few hours of publication, if not instantly. That is just another reason to follow MNO on Facebook and Twitter with a Telegram News Channel is still in the pipeline. Finally, the remaining 13% of my readers don’t really have a preferred method of reading the MNO blog and use different ways to reach my site.

Thanks for voting guys, and hope you will show the same enthusiasm for your favorite payment processor poll. It will only take a few seconds and will help us determine the most popular, so what are you waiting for? Go and vote here!

GET PAID REPORT FOR 26/01/2017

Here is the list of the programs from my monitor that paid me for the last 48 hours:
From MNO Sticky list: SoftMining.
From MNO Premium list: Zinc7, RightRise, AtomicBitcoin, Razzleton, Elizion, BandeiraCorp, Mexeer, Xabo, 
BeyondPetroleum, DateBitcoin, Weollee, AutomatedEnergy, LensenGroup, SumWex, Dowerly, BitcoinWorld.
From MNO Standard list: Palmills, PassiveLoan.
From MNO Basic list: –

That’s it for tonight, guys. I hope you enjoyed reading about the most popular investment programs in the HYIP industry. Just before wrapping up I’m really pleased to report that the admin of Zinc7 (reviewed here) has just extended his banner placement on the MNO monitor for seven (!) months in advance and also some exciting updates on his program have been released and will be a part of a separate news section on my blog on Saturday when I’ll be posting a detailed review of SumWex. That program is definitely different from the rest and might be of interest to you if you like shorter-term HYIPs. Stay tuned and enjoy your profits from the leaders of the HYIP industry together with MNO!

The post 26/01/2017. AutomatedEnergy Review and Daily News from the HYIP Industry appeared first on MNO Blog.

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24/01/2017. PassiveLoan Review and Daily News from the HYIP Industry

Hi everyone! I’m pleased to say the new business week is continuing at the same fast pace that’s been set on my monitor since the start of the year. For the most part I’ve been pleased with the performance of the majority of the new programs listed on MNO so far this year, though in some ways the one I’m discussing today, PassiveLoan, is one I’m very pleased about. The reason being that in the initial stages anyway the admin has selected MNO as the exclusive monitor covering. It’s a good way to maintain gradual growth as the admin keeps the promotion of the program under careful management, and also a good way to save money and allow him to pay his investors for a lot longer, with most of the cheaper monitors abandoning the idea of any fees and just going ahead and adding PassiveLoan for free (ref links don’t require any actual deposit you see). We have plenty of other news to catch up on today as well of course, and if PassiveLoan isn’t for you then keep reading because I’ll be introducing another new program that might become popular with readers in the second half of today’s post. But first let’s see what PassiveLoan is all about and if you think you can make room for them in your portfolios.

What you have in PassiveLoan is what at first glance looks like a choice between two different investment plans. OK, strictly speaking this is true, but one of them is really more of for short term testing purposes and not really sufficiently profitable to recommend properly. Strangely enough you need to join the “main plan” anyway before the testing plan becomes an option, though that can of course change in the future as PassiveLoan becomes a more established name.

The main focus of the program then is a plan that runs for 30 calendar days. You can join this for a $25 minimum, and in exchange PassiveLoan are offering a daily interest payment of 5.2%. Your principal is being counted as part of these payments and so will not be returned on expiry in a separate payment. That allows you to accumulate 156% in total payments by the end of the term, or 100% of your own money plus 56% in net profits paid by PassiveLoan. Please note however that this may not be entirely the most accurate picture. PassiveLoan try to recover their operating costs, payment processor fees, etc. by passing them on to the investors. That involves a 5% “management fee” being applied to withdrawals, meaning the 56% figure for net profit is going to be slightly less than 50% in reality. That’s still a very healthy and respectable return for a 30 day term of course.

Let’s see what that would look like in practical monetary terms then, and say you were to invest $100 with PassiveLoan. You would receive an interest re-payment of $5.20 per day until eventually adding up to $156 by the end of the term. As the first hundred dollars was your to begin with, that’s $56 for you to pocket as net profit. Once you remove the 5% withdrawal fee charged by PassiveLoan then your payments really come to $148.20, or 48.2% net profit. A more important statistic however is the break even point, when your interest payments add up to an amount equivalent to your initial investment meaning you can’t possibly lose money no matter what happens next. Taking the 5% withdrawal fee into account this comes after 21 of your 30 expected payments.

If you have already joined PassiveLoan then a second plan is made available to you. This still requires that your minimum deposit be $25, but allows you to shift to something that will make a smaller profit but faster. The term is reduced to just 5 calendar days, but there is just one single interest payment made on expiry. This is 107% which includes your principal, or 7% net profit. The “problem” here for want of a better word is that PassiveLoan are still (at the time of writing anyway) imposing the 5% withdrawal fee, so once you take that out of your earnings, and remember you are still going to be charged your own fees by your payment processor, it’s hardly worth your while even bothering. Certainly I wouldn’t risk my own money for the net return anyway. If you do decide to push ahead with the test plan anyway a $250 maximum is imposed.

That reminds me, getting back to PassiveLoan‘s main investment plan there is a theoretical maximum limit of $100,000 placed on deposits. The reality is that the admin has much tighter control over this, and really big deposits are not allowed at the moment. He is however gradually expanding this as the program’s cash flow begins to build up and more investors start getting involved. I think this makes a lot of sense personally and shows a more responsible professional is in charge here. I know a lot of you might be tempted to jump right in at the beginning with a serious amount of money, but in the long term this way is better as it allows for improved management of the funds, keeps a lid on overheating too early in the game, and limits the damage that any hit-and-runners could inflict.

Before we move on I think I should just say a few quick words about the whole process of investing in PassiveLoan because it might not look quite so simple as most other programs. Actually it is quite straight forward, just worded and organized differently. Because PassiveLoan position themselves as a “peer to peer lending company”, making a deposit comes under the heading of “start lending” which you will see in your members area. That’s the button you need to click in order to open up a list of accepted payment processors. Select your preferred method and the amount you wish to spend, then click the “confirm loan” button on the next page to be redirected to your account and make the investment.

Likewise with the withdrawal button, this opens up a list of payment processors, how much (if anything) you are owed to each of them, whether or not you have sufficient funds to make a minimum withdrawal, any pending withdrawal requests, and accumulated earnings. Once you select the right processor and enter the amount you are requesting, you will have to confirm the transaction by entering a PIN number. This is a personal identity number that you yourself will have to set up when you are joining PassiveLoan, so remember to keep it written down and stored in a safe offline place. Without it you won’t be able to proceed with the withdrawal.

So, if you like any of the investment plans enough to sign up and deposit in, the next item we should discuss is what are PassiveLoan‘s payment options. Actually this was one of the very first things I noticed about the program when the admin came to MNO for monitoring, as this is the first new program for some time now to accept Payza. No easy task in the first place, they have quite a difficult vetting process which puts all but the most determined HYIP admins off even trying to verify an account. Without trying to single out just this one processor, it has to be said the presence of Payza does a lot to boost the confidence of bigger spending investors given the likelihood (as has been proven so many times in the past) that they will get paid longer than everyone else if using this method. If for what ever reason however Payza is not a suitable option for you then PassiveLoan are also using PerfectMoney and Payeer as regular payment handlers, or Bitcoin if you want to deposit directly into the program with a more modern digital e-currency. The list is completed by Bank Wires, which you should contact the PassiveLoan admin about if you require further details on that.

One thing about PassiveLoan that might cause a degree of confusion among some investors (the first time anyway) is the payment schedule. There’s nothing all that complicated, you just need to be aware that the rules are a little different here from most programs you might be familiar with. As described above, the PassiveLoan investment plans are measured in calendar days, and indeed you earn money on calendar days too, i.e. seven days per week. Payouts however will only be handled on business days. You still earn interest on Saturdays and Sundays, and you are more than welcome to submit a withdrawal request on those days if you like. Just don’t expect any action to be taken by the PassiveLoan admin until Monday if you do. As well as being processed on business days, payouts will also be processed during business hours GMT, so compare that to what ever time zone you are living in and plan accordingly. Smaller investors take note that PassiveLoan have a minimum withdrawal limit of $2.50, so if you don’t have that much to withdraw then you are going to have to let your earnings accumulate first.

Looking into some of the more technical side of the PassiveLoan website, I can see it runs off a totally original script but it must be said is strongly reminiscent of some very successful programs from the past. It’s quite easy to navigate but still looks different enough from most of what investors are familiar with, enough so that it will go a long way towards attracting people who value originality anyway. The level of security on the PassiveLoan website is superb, with hosting and protection against malicious attacks provided jointly by two of the biggest names in the industry in BlockDos and CloudFlare, and hosted on a dedicated server. For an extra layer of security PassiveLoan also features a superior Green Bar Extended Validation SSL certificate from Comodo for safer browsing and more secure transactions. While still in such a relatively early stage of development of course, and considering it’s running off a fully customized script, it’s entirely possible we might see some positive changes and improvements once PassiveLoan gets off the ground and establishes its name in the weeks and months to come. That is after all one of the main advantages to having your own script, not being dependent on third party technicians. One extra enhanced security feature is the virtual on screen keyboard which allows you to type in your password and withdrawal PIN without hitting the buttons on keyboard, thus avoiding any possible spyware or trackers that might be affecting your system without your knowledge. Also, the PassiveLoan domain name has been registered for three years in advance.

If you have any further need of contacting the PassiveLoan admin with any other questions you think might not have been answered in this review or any account related issues you need to have dealt with, then PassiveLoan support can be reached by filling in your details on the online customer support form and submitting through the website’s contacts page. Already announced in the pipeline is a regional representatives scheme, where regular PassiveLoan investors can act as support and promotion agents in their own local areas and languages for an improved referral commission rate. At the time of writing this is only just getting started (PassiveLoan still being a brand new program after all) so contact the admin if this is of any interest to you.

In case anyone is interested in what kind of business activities the program is claiming to be involved with to support payments to members, as the name suggests, PassiveLoan deals with so-called “lenders” rather that simply investors and “loans” rather than deposits. Regular HYIP players know very well to ignore this of course, no evidence is provided and it wouldn’t guarantee profitability anyway, it’s just worth repeating every time for the newbies. So don’t treat PassiveLoan as a serious opportunity to earn a living or anything, just a chance to make a couple of extra bucks while the going is good if you are lucky. Keep your expectations realistic, stay well under a spending limit you can comfortably afford to lose and recoup from other sources, and if joining PassiveLoan at all then try and keep them as a smaller part of a wider more diverse portfolio. For the moment, at the time of writing anyway though this may change soon, MNO remains the only official monitor covering PassiveLoan. Fingers crossed then that the limited exposure and gradual development and expansion will help the program last longer and bring more profits to my readers. It’s a complete gamble of course, but that’s what we hope for.

If you’ve taken the time to think about PassiveLoan, either made a firm decision one way or another or are still sitting on the fence about it, I hope you’ll find a moment to vote in the following poll. I’m interested in hearing how MNO readers see the program and how you rate your chances of seeing a profit from it. As usual the results will really be of most interest only in the coming weeks and months as we see the fate of PassiveLoan (good or bad) and how investors managed to judge it from the start. What’s your gut instinct about it, and are you generally a good judge of these things? Remember that voting takes literally just a second, and all votes are 100% anonymous and untraceable. So, please answer the following:

Note: There is a poll embedded within this post, please visit the site to participate in this post's poll.

DAILY NEWS FROM THE HYIP INDUSTRY

SUMWEX INTRODUCTION

The newest program added to the MNO Premium List last night is called SumWex. While it has been running for a month now I cannot say that I heard of it before, so the admin’s plan was definitely to start in a low-key mode during the usually slow winter holidays and begin a massive advertising campaign once the HYIP industry is back to normal. So he’s started this by being listed at MNO closer to the end of perhaps the best January in the the industry since the LibertyReserve crisis back in 2013. SumWex is a pretty easy to understand program with three straightforward and uncomplicated investment plans – 8% for 19 days, 12% for 10 days, 110% after 5 days. All of them are counted in calendar days and are available for an affordable minimum of $10 (or 0.01 BTC) via PerfectMoney, Payeer, BitCoin, and AdvCash – a pretty standard choice of payment processors these days. And the cherry on the top is very fast payouts, and though the admin asks you to wait for 24 to 48 hours for them to be processed, all of mine have so far been done within five minutes maximum, so not quite instant but as close to it as makes no difference. As you can see, the investment plans are short- and medium-term and will be popular with investors. SumWex also impresses with its user-friendly layout and excellent graphics, powered by a custom-made yet easy-to-navigate script. From the technical point of view there can be seen no drawbacks either, as the site is SSL-secured by Comodo and is hosted on a dedicated server with powerful DDoS-protection provided by DDoSGuard. The only thing some investors might not find attractive about SumWex is that it’s been online for a few weeks now meaning that the first investors have all profited, even multiple times in some cases. Anyway, time will tell how successful SumWex can be the next couple of weeks, as there is certainly room for growth and a strong demand for what they are offering. A more detailed review of SumWex will be posted by the end of the week, but for now I’ll leave you with the announcement of its official launch from the news section of the SumWex website:

“WELCOME TO SUMWEX – YOUR BETTER WAY TO MAKE MONEY
We have been preparing our website for many months and now we are ready to introduce our online investment platform SumWex. As far as possible, we have set out to ensure that our website is compatible with open web standards. We therefore recommend that you access this website using modern web browsers like Chrome, Firefox, and Safari. This website is also optimised for modern mobile devices so that you may reach it on the move.
SumWex main goal is to achieve the highest profits possible from activity on the foreign currency exchange (Forex), Stock Market and Cryptocurrency exchange markets. So we have one of the most interesting investment opportunity in the web. We are glad to welcome every visit to become a part of something interesting, don’t miss it out. We accept members from all over the world. Thank you again for visiting our website, and we hope you enjoy using it.”

RAZZLETON – MINIMUM WITHDRAWAL INCREASED AND BENGALI LANGUAGE ADDED

Razzleton is gradually becoming a worldwide phenomena now. The program has surpassed thirteen months online in total, from which it has been present on MNO for the last two and a half months, most of the time since the site was totally redrawn and refurbished into its current form. Razzleton is still a very popular choice among my readers and occupies a respectable #3 position from 21 listed programs (read the full article on Top Five Popular Programs on MNO here). By joining Razzleton you have a great variety of investment plans to choose from. Some pay on calendar days and will return the initial investment on expiry – 2.1% for 15 days, 2.3% for 30 days, 2.9% for 55 days, while others are more risky by promising a once-off payment on expiry – 150% after 15 business days, 500% after 20 business days, 300% after 30 business days, 1500% after 40 business days, 1000% after 60 business days, 5000% after 90 business days. Razzleton works with multiple payment processors like PerfectMoney, Payeer, BitCoin, AdvCash, Neteller, Qiwi, YandexMoney, and NixMoney, with some plans starting from just a $10 minimum. Whatever plan you choose remember that in terms of a payout schedule and perhaps due to an extremely large membership Razzleton can take time to pay you, sometimes even up to 48 hours to see the payment sent to your e-currency account. For greater efficiency here I think, it’s now been decided to increase withdrawal minimum to $1. This is a sensible step in the right direction which will allow Razzleton (reviewed here) to optimize their time and in the long run all the members should win from that, as it will eventually help the program pay you faster, by eliminating a time-consuming process of sending out a couple of cents each time. More is included in the update below followed by the announcement about the addition of yet another professionally translated version (not the last one for sure!) which is Bengali:

“Minimum withdrawal sum increased
We are glad to inform you that the popularity of the Razzleton platform is growing rapidly. However, among consequences of the increased interest of users is also high traffic on the site. In order to optimize the work of the platform, it has been decided to increase the minimum sum of withdrawal to 1$.
The number of daily requests for withdrawal has risen dramatically, which led to considerable growth of the duration of processing. Increasing the minimum withdrawal sum will enable us to reduce the time required to process your requests and pay your money most quickly.
Razzleton – everything for the convenience of our investors and partners!”

“Bengali language bar!
Bengali today is among the ten most popular languages and it takes the 4th place in the world by the number of speakers. According to recent statistics, it is native for 250 million people. That is why Razzleton HealthCare Limited made a decision to further extend the language bar of the platform.
Now all the news and relevant information about our company are available in one of the following languages: -English; -Russian; -German; -French; -Spanish; -Polish; -Portuguese; -Vietnamese; -Chinese; -Italian; -Hindi; -Bengali.
We are constantly working to upgrade Razzleton platform for cooperation with us even more enjoyable for you.
Browse our news feed – new improvements and surprises await you!”

RIGHTRISE – KOREAN LANGUAGE ADDED

RightRise (reviewed here) is also following in the same footsteps by adding more and more different language versions on an almost weekly basis. It’s almost a tradition by now that the announces a new one every Tuesday. Today was no exception as RightRise introduced Korean as the fourteenth (!) language the site is now available in. this joins English, Russian, Japanese, Vietnamese, German, Chinese, Spanish, French, Portuguese, Italian, Indonesian, Czech, and Thai. Here’s what the admin had to say in today’s update:

“Internationalization
All have become accustomed to that we are adding a new localization every Tuesday. It is already even not clear if there is any sense to write that we are adding a new translation. But anyway it’s always the mystery what language will be added. Eastern countries continues to beat all records, and today we want to please the people of South Korea.
Sincerely, RightRise team.”

Overall, RightRise has been one of the most successful programs listed on MNO so far firmly holding the second position behind the undisputed leader Zinc7 (reviewed here). Over three months online and stable payments to the perpetual 1% to 3% daily plan which members earn on shares priced at $30 each speaks volumes about RightRise‘s quality and the experience shown by the admin. His hard work has certainly paid off with RightRise becoming an exemplary program in the HYIP industry. Instant payouts and a huge variety of payment methods that include PerfectMoney, Payeer, BitCoin, LiteCoin, DogeCoin, BTC-E, AdvCash, YandexMoney, and NixMoney have kept it ahead of the competition which has becoming tougher this January every day. Whatever happens next to RightRise its example has already proved that perpetual style programs can still rule the industry and set new trends among investors. Kudos to the admin for doing a good job so far and constantly adding new features to keep RightRise on top!

LENSENGROUP – INDONESIAN LANGUAGE ADDED

While the list of languages LensenGroup is available in is not as impressive as some other programs, the admin is still doing well to increase the program’s presence in various local markets. The last one is the Indonesian which was added yesterday becoming LensenGroup‘s eighth language you can easily switch between by clicking the flag icon at the right top corner of your screen. This joins English, Russian, Spanish, Vietnamese, Chinese, Italian, and Japanese and as announced below:

“INDONESIAN LANGUAGE ADDED!
Hello, Investors,
We have added Indonesian language. We will continue to add other languages.
We hope you will enjoy our work!
Best regards, LensenGroup Team”.

LensenGroup has only been on MNO for two weeks, but has been online since November 2016 gradually developing and performing quite well by paying quickly on three available investment plans – 4.5% for 30 business days, 105% after 10 days, 25% for 6 weeks – which are available from $10 to $50 minimum via PerfectMoney, Payeer, AdvCash, or BitCoin. More information on LensenGroup can be found in the detailed review posted here.

PALMILLS – NEW INVESTMENT PLAN ADDED

Are you always suspicious when a program adds new investment plans after weeks of success with just one? A popular expression telling us not to fix anything that ain’t broken will always spring to some people’s minds. This can’t really be applied to every single program though, as I don’t think the new investment plan introduced by Palmills yesterday is bad at all. Let’s have a closer look first.

As Palmills is reaching the point when the very first investors who joined the original 3.5% for 60 business days plan are going to finish it soon with an incredible 110% net profit, they should really offer something new in order to the same investors interested, and perhaps reach out to others who prefer smaller profits, but a faster term. So plan paying 6% for 20 business days has now been introduced. Is it a warning sign? I doubt it, and this is why I think so. The new shorter investment plan is available for the same $10 minimum and is accepted from the same payment gateways Palmills has been working with for over two months now – PerfectMoney, Payeer, BitCoin, and AdvCash. The much faster profit zone of four weeks won’t be beneficial for investors who want more profit, as it only offers 20% net profit in four weeks (principal included) compared to a much higher 110% profit in twelve weeks from the original plan. Therefore, the new investment plan from Palmills is perhaps based on the admin’s intention to attract a different category of investor from the medium-term ones at the moment, rather than trying to scam with a too-good-to-resist offer that we have seen so many times before. Anyway, it’s totally up to you. The plan was announced in Palmills‘ news section on the website and you can read the original review of the program here:

“New features of Palmills: 6% Daily For 20 Days!
Palmills does not stand still, we’re trying to be as flexible as possible and to offer our customers the best and most suitable investment conditions. This is beyond any doubt that we are proponents of using the maximum diversification in our work, so we would like to provide such an opportunity to our investors as well. That’s why we have decided to add another investment plan which is characterized by an increased daily return up to 6% and a shorter investment period – just 20 business days. We left the rest of conditions (the minimum and maximum deposit requirements) the same, which means that you can earn faster and more. Thanks to good financial planning we will be adding new features on the Palmills investment platform, – we want to become your reliable friend and will make every effort to do so.”

PAYZA – HOW TO ADD PAYZA FUNDS IN BANGLADESH AND REDUCE CHARGEBACKS FOR MERCHANTS

I was pleased to see that after Payza were dropped by Zinc7 we now have PassiveLoan which I just reviewed above using them. Joining BandeiraCorp, PassiveLoan has become the second of the twenty-one monitored programs working with Payza, while I know for sure that demand from my readers for such programs is higher. The proof is in the increased referral commissions to Payza I received from my downline in PassiveLoan. I hope HYIP admins will also realise the potential of working with possibly the only viable option available for US based HYIP investors and will make the effort to include them. Being a very convenient tool for investors and avoid huge fees to third-party exchangers and deal with a processor where they can fund and withdraw directly to their Bank account, credit card, pre-paid card, or even BitCoin address, Payza is also serving other industries. It’s getting more popular now in the fast growing developing countries like Bangladesh where there are some peculiarities in the process of adding funds to Payza there. That’s the subject of recent blog updates by Payza over the last week, also giving tips to merchants to reduce chargeback rates and boost their profits. You can read the latest two Payza blog posts below:

“Takas or Foreign Currency: Adding Funds to Payza in Bangladesh
As a Payza member in Bangladesh, you have Add Funds options to help you fund your Payza account. From bank wires to mobile money transfers using bKash, Payza’s options let you add funds in either Takas (BDT) or a foreign currency.
Because of regulations from the central Bank of Bangladesh that impose strict currency controls, it is often not possible to convert funds added in Takas into a foreign currency, or to convert foreign currencies into Takas. That means it is important to be sure you are adding funds in the right currency to your Payza account to meet your needs.
This table shows you which methods can be used to Add Funds to your Payza account in Takas and which methods can be used to add foreign currency funds to your account:
Even though you won’t be able to convert your Takas into another currency, you can use these funds to shop online at many e-commerce merchants in Bangladesh. Our partnership with SSLCommerz means there will soon be hundreds of merchants in Bangladesh who will accept Payza payments in Takas.
Adding funds in Takas
To add Takas to your Payza account, you can use either the Add Funds by bKash option, or the Add Funds by Bank Transfer Option.
Follow these steps to Add Funds by bKash:
1) In your Payza account, click “Add Funds” in the top menu.
2) Select “bKash”.
3) Follow the instructions to send money from your bKash account to Payza.
4) When you receive your confirmation code or bKash Transaction ID, enter that information and click “Create Transaction”.
5) Review the transaction details and confirm the deposit.
To add Takas by bank transfer, you must first add and validate your bank account. This blog post has more information to help you connect your Bangladeshi bank account to your Payza account: How to: Validate Your Bank Account with Micro-Deposits.
Over-the-counter Bank Transactions
An additional method to add funds in Takas to your Payza account is the Over-The-Counter Bank Transactions option. This option is currently unavailable but will return in the near future.”

“Reducing Chargebacks to Boost Profits
Chargebacks are a good thing. Small business owners will probably disagree, but the chargeback program is a form of consumer protection provided by card-issuing banks designed to hold businesses accountable for failure to deliver their products or services. They occur when a customer contacts their bank to dispute the legitimacy of a payment appearing on their credit card statement and the bank forcibly reverses the transaction, returning the funds to the consumer.
For the consumer, the chargeback program seems ideal. Of course, there is a dark side. The associated fees of a chargeback fluctuate depending on the industry, but can be as much as $100 USD per chargeback. This is a costly and significant burden to bear for entrepreneurs and small-to-medium sized enterprises (SMEs). Additionally, more than half of all chargebacks are associated with fraud, resulting in losses of up to $100 billion USD per year.
Chargebacks are a two-way street, however. Both parties are given the opportunity to present evidence to support their claim. The program is inherently biased toward the consumer – most chargebacks result in the transaction being reversed and the merchant being fined – but if you, as a business owner, believe you did nothing wrong and take cares to document the sales and fulfilment process, you can dispute the claim and prevent the chargeback.
The Costs and Causes
Globally, credit cards are still the most popular online payment method. Even if they are not the preference of your customer base, offering multiple payment methods, including credit cards, is a sure way to increase your conversion rate. If you accept credit card payments for your products or services, you can count on having to deal with the occasional chargeback.
It’s hard to predict a business’ chargeback rate. Some industries are hit harder than others: in the first three months of 2015, a whopping 24% of all digital goods purchased in the UK were hit by chargebacks, and both the Beauty and Diet & Nutrition product categories experienced chargeback rates above 12%. The typical chargeback rate, however, is much lower, below 0.5%.
The fines associated with chargebacks can amount to thousands of dollars per month on their own, but the real cost can actually be much higher than that. In addition to the fines, you also lose the revenue from the original transaction, and with it the money invested in making the sale, the price of merchandise and the shipping costs involved in getting the product to the customer. And if your chargeback rate exceeds 1%, you could be facing more fines from your payment provider and could even lose your ability to process credit card payments at all.
The best way to combat chargebacks is to understand them and to anticipate when they might arise. Once you have this information, you can take steps to correct the issue in time to prevent the chargeback from arising.
Here are the main causes of chargebacks:
– Technical: Due to a bank processing error, non-sufficient funds or an expired authentication, the transaction was not properly completed.
– Clerical: The cardholder was erroneously billed in duplicate, was billed the incorrect amount or was mistakenly never issued a refund.
– Non-receipt: The cardholder claims the product purchased was never received as promised.
– Fraud: The transaction was completed with stolen credit card information and processed without the legal cardholder’s knowledge.
– “Friendly” Fraud: The cardholder knowingly performed the transaction and the product was delivered as promised, yet they filed a chargeback dispute anyway.
For the first three causes, you can prevent chargebacks by being more diligent in your post-sales processes. Ensuring products are shipped on time is essential; same is true for timely refunding a customer before they have a chance to dispute double charges due to technical errors. If you fail to resolve these issues before your customer decides to take action, giving them a clear line of communication to your business and customer support team can also help you reduce chargebacks. Make sure your customers can come to you directly with their issues and they won’t need to file a chargeback through their card issuer.
For disputes arising from fraud, having the necessary fraud screening procedures in place can help keep this type of chargeback to a minimum. If your company is constantly dealing with chargebacks due to fraudulent transactions, that’s a sign that you must strengthen your fraud screening measures.
Friendly fraud, however, is no fault of your own. There are a number of reasons this could happen — perhaps the customer was confused by the transaction description or legitimately couldn’t recall making the transaction. Unfortunately, in most cases, friendly fraud is a deliberately dishonest tactic for consumers to receive goods without paying for them. In other words, it is theft.
Despite the fact that the burden of proof lies on the merchant, the good news is that according to Radial, 54% of challenges to chargebacks are won. So if you do have compelling supporting evidence suggesting that the chargeback is invalid, you should dispute it.
That being said, you should be selective of which disputes you challenge as it can be a lengthy process and can incur additional costs. Chargebacks are part of the cost of doing business in e-commerce. The goal then is not to completely eliminate your chargeback rate but rather to achieve a balance between chargebacks and sales, boosting your profits and keeping your losses to a minimum.
The best practice is always to treat the cause rather than the symptom. This can be done in two very simple ways:
1. Fraud Prevention – Enhance your fraud detection and controls. Enact a solid Know-Your-Customer policy. Participate in programs such as Verified by Visa and MasterCard SecureCode. Make sure that the customer’s shipping address matches the billing address on their card.
2. Communication – Always be available for your customers. Answer phone calls, reply to emails, monitor comments online and on social media. Be open and transparent when communicating product costs, specifications, conditions and shipping times. Resolve customer complaints quickly so they never have reason to resort to chargebacks.
Especially for entrepreneurs and SMEs running on slim profit margins, the importance of controlling your chargeback rate cannot be understated. While you shouldn’t accept every chargeback without a fight, you also don’t want to waste time and resources on disputing every single one of them either. And don’t forget that chargebacks directly correlate to sales volumes, so sometimes, an increase in chargebacks is just a sign of how successful your business has become!”

GET PAID REPORT FOR 24/01/2017

Here is the list of the programs from my monitor that paid me for the last 48 hours:
From MNO Sticky list: SoftMining.
From MNO Premium list: Zinc7, RightRise, Razzleton, Elizion, BandeiraCorp, AtomicBitcoin, Mexeer,
BeyondPetroleum, Xabo, SoftmeetBit, Weollee, DateBitcoin, Dowerly, LensenGroup, AutomatedEnergy, BitcoinWorld, SumWex (the first instant payments received).
From MNO Standard list: Palmills, PassiveLoan (the first payments received).
From MNO Basic list: –

That’s it for you tonight, guys. I’ll be back on Thursday with a full review of a new but already popular program called AutomatedEnergy plus any other important news stories. I do receive a lot of listing requests lately, but about two thirds are rejected due to their inability to pay the fees. This has been the a few years now, not because I’m greedy, but because I care about my readers first, and am not prepared to list all that rubbish you can find anyway on less selective monitors. And of course, as MNO is mostly a hobby and I’m currently on holidays in New Zealand, so I do not have time to waste on cheap scams. I might be back to publishing on a daily basis once I return home at the end of February, but for now I’ll stick to the current schedule. Of course, that never affects my ability to react to any issues my downlines report and I try my best to help you within 24 hours. I’m aware that the HYIP industry is fast-paced and am committed to providing the best service despite my busy schedule. You can always be sure you will find timely updates on my blog and monitor, so you will be in the loop too. You can reach me by filling in the contact form on this page or email me directly at abramsonp@gmail.com and I will be able to offer you my assistance or advice on any matter concerning HYIPs. It’s best though to check out my monitoring page frequently for more additions and status updates for any particular program, subscribe to the MNO Daily News delivered straight to your email address here, or to follow MNO on Facebook and Twitter (my Telegram News Channel will be added shortly too). Thanks for reading MNO in whatever method you choose, and you can still answer vote in the poll on the MNO TalkBack page, as it will be replaced in a couple of days. Stay tuned for more on MNO – the best and most up-to-date source of information on HYIPs in English!

The post 24/01/2017. PassiveLoan Review and Daily News from the HYIP Industry appeared first on MNO Blog.

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