Question 1

What is the maximum allocation I can have with Papaya Funding?

Accepted Answer

A maximum of $1 million in active evaluation or funded plans per person is permitted. This can be composed of multiple assessment or funded accounts.

Question 2

Which countries is Papaya Funding not available in?

Accepted Answer

We do not service residents from OFAC-sanctioned countries: Pakistan, Russia, Cuba, Sudan, Somalia, Iran, Lebanon, Syria, Libya and Vietnam. This list may change as regulations evolve — if your country isn't listed here, you're welcome to apply.

Question 3

What payout methods are available?

Accepted Answer

Approved payouts can be received via Rise, in cryptocurrency, or as store credits. You choose your preferred method when your payout is approved; the available options may be updated over time.

Question 4

Can I receive my payouts in crypto?

Accepted Answer

Yes. Cryptocurrency is one of the available payout methods, alongside Rise and store credits. When your payout is approved, you simply select crypto as your method.

Question 5

What is Rise?

Accepted Answer

Rise is a global payout platform that sends your account gains directly to your local bank account or your preferred local payment option. It is one of the payout methods available to Papaya traders.

Question 6

What are store credits?

Accepted Answer

Store credits let you keep part or all of a payout as balance in your Papaya account instead of withdrawing it. You can use those credits to buy new challenges or account sizes whenever you want.

Question 7

How are taxes on account gains handled?

Accepted Answer

You are treated as an independent contractor and are responsible for all taxes applicable to your account gains under the laws of your country.

Question 8

What is the minimum age to join?

Accepted Answer

You must be at least 18 years old, or the applicable minimum legal age in your country if it is higher.

Question 9

Does Papaya manipulate prices or trade execution?

Accepted Answer

No. Papaya does not control the prices supplied by the liquidity provider or the execution of your trades.

Question 10

Can I use my own account for the evaluation?

Accepted Answer

No. You must use the account provided by Papaya so that the risk management system can monitor performance and rule compliance. Instant Funding also uses the account provided by Papaya.

Question 11

How are affiliates credited for referrals?

Accepted Answer

Affiliates receive referral credit when a user creates an account using the affiliate's referral link or discount code.

Question 12

Where can I check trading hours?

Accepted Answer

Trading hours are generally set by the liquidity provider, subject to program rules. In DXtrade, right-click the symbol and select Instrument Info. In MatchTrader, expand the symbol and select Info. In cTrader, open the Symbol Window and check Market Hours.

Question 13

What CFD products can I trade?

Accepted Answer

Available instruments include Forex pairs, CFD indices, commodities, metals and cryptocurrencies supplied by the liquidity provider. Instrument availability may change; check your platform for the current list.

Question 14

Where can I track my account's progress?

Accepted Answer

Use your trader dashboard to monitor evaluation and funded accounts. Metrics are updated approximately every 60 seconds. You remain responsible for monitoring breach levels; a dashboard update delay does not suspend the trading rules.

Question 15

What does one lot represent on the trading platform?

Accepted Answer

Forex: $100,000 notional. Indices: 1 contract, except SPX500 (10 contracts) and JPN225 (500 contracts). Cryptocurrencies: 1 coin. Silver: 5,000 ounces. Gold: 100 ounces. Oil: 100 barrels. Always verify the instrument's contract specifications on your platform.

Question 16

What account sizes are available?

Accepted Answer

$10,000 / $25,000 / $50,000 / $100,000 / $200,000.

Question 17

What platforms can I trade on?

Accepted Answer

DXtrade, cTrader, MatchTrader, GooeyPro, and MT4/5 (with a license).

Question 18

How much does the challenge cost?

Accepted Answer

Monthly subscription of $129 / $149 / $239 / $309 / $349 depending on account size.

Question 19

What's the equity growth target?

Accepted Answer

9% of the starting balance ($900–$18,000).

Question 20

Is there a daily loss limit?

Accepted Answer

Yes — 3% of balance.

Question 21

What's the max drawdown rule?

Accepted Answer

A static 3% drawdown at every size ($300–$6,000).

Question 22

Is there a consistency rule?

Accepted Answer

Yes — 50% once funded.

Question 23

How many profitable days do I need before requesting a payout?

Accepted Answer

5 profitable trading days.

Question 24

How often can I request a payout?

Accepted Answer

Every 5 days.

Question 25

What's the most I can withdraw per payout?

Accepted Answer

5% of balance at every size.

Question 26

Is there a minimum payout amount?

Accepted Answer

1% of balance.

Question 27

Do I need positive net profit across the whole payout cycle?

Accepted Answer

Yes.

Question 28

How many payouts before I move to a live/reviewed account?

Accepted Answer

5.

Question 29

What happens to my drawdown level after a payout?

Accepted Answer

No — drawdown does not lock after a payout on this plan.

Question 30

Is there a non-withdrawable buffer?

Accepted Answer

No.

Question 31

How much of the account gains do I keep?

Accepted Answer

85% to the trader, 15% to the firm.

Question 32

Is there a delay before my first or later withdrawals?

Accepted Answer

Yes — 14 days before both your first and every subsequent withdrawal, the only plan in the lineup with this delay.

Question 33

How many accounts can I hold at once?

Accepted Answer

No fixed count — total account value across all your accounts is capped at $1,000,000.

Question 34

Are there contract size limits?

Accepted Answer

Yes, standard/micro contract caps scale with size: 1/10 at $25k up to 12/120 at $150k.

Question 35

What happens if I stop trading?

Accepted Answer

30 consecutive days of inactivity counts as a breach.

Question 36

How much does it cost?

Accepted Answer

One-time fee: $50.70 / $115.70 / $180.70 / $323.70 / $596.70, scaling with size.

Question 37

What are the Minimum Trading Days (funded)?

Accepted Answer

To be confirmed. Papaya One requires 5 profitable trading days.

Question 38

What is the Max Withdrawable Profit cap?

Accepted Answer

To be confirmed. Papaya One specifies 50% of total profit withdrawable overall.

Question 39

What leverage do I get?

Accepted Answer

1:50.

Question 40

How soon can I request my first payout?

Accepted Answer

After 14 days, once you've had at least 4 profitable trading days each earning at least 0.25% of balance.

Question 41

How often can I request a payout after that?

Accepted Answer

Every 14 days.

Question 42

What are the rules for the funded account?

Accepted Answer

There is no equity growth target on a funded account. Daily loss, maximum drawdown, consistency, buffers and payout conditions follow the funded rules of your selected Papaya program; they are not necessarily identical to the evaluation rules. Instant Funding has no evaluation phase.

Question 43

Can I use an automated strategy?

Accepted Answer

Yes, subject to the prohibited trading policy. Automation must not exploit pricing errors or latency, use insider information, arbitrage accounts or use third-party, off-the-shelf strategies marketed to pass challenges. Using a different strategy to pass an evaluation and then trade the funded account is also prohibited.

Question 44

How is the daily loss limit calculated?

Accepted Answer

The daily loss limit is the maximum loss permitted in a trading day. Papaya's current CFD rules specify 2% of balance for Instant Funding and 3% of balance for Papaya One, Papaya Two and Papaya Signature. On a $100,000 balance, these percentages correspond to $2,000 and $3,000 respectively. Monitor the applicable daily breach level in your trader dashboard; exceeding it is a hard breach.

Question 45

How does static maximum drawdown work?

Accepted Answer

A static drawdown threshold is based on the starting balance and does not trail upward as the account grows. Papaya One uses 9%, Papaya Two 8%, and Papaya Signature 3%. For a $100,000 account, the respective thresholds are $91,000, $92,000 and $97,000. Payout-related rules remain specific to each program. CFD Instant Funding instead uses a 5% EOD trailing drawdown, not static drawdown.

Question 46

If I have a hard breach in my Funded Account and there are gains in the account, do I forfeit those gains?

Accepted Answer

Yes. If you have a hard breach in your funded account, any accumulated gains in the account will be forfeited unless you have purchased the Payout Protector add-on. Please review the FAQs for additional details.

Question 47

Are there position limits on CFD accounts?

Accepted Answer

The maximum position size depends on available margin. Margin requirements and limits on open positions may be adjusted in response to market conditions. The firm or liquidity provider may refuse an order.

Question 48

How do I request a payout from my funded account?

Accepted Answer

Submit a payout request through your trader dashboard and enter the amount you wish to withdraw. Requests are subject to your Papaya program's payout schedule, qualifying trading days, minimum amount, buffers, caps and account gains percentage. Approved payouts use the available payment methods, which may change over time.

Question 49

How long does it take to receive a funded account after passing?

Accepted Answer

After passing an evaluation, you receive instructions to complete identity verification (KYC) and the Trader Agreement. Once both are completed and the required supporting documents are provided, the funded account is typically issued within 24–48 business hours. You will receive a confirmation email. Instant Funding does not require passing an evaluation.

Question 50

Can I trade during news events?

Accepted Answer

Existing positions may remain open through high-impact news events. You must not open new trades or close trades within 3 minutes before or 3 minutes after the event. Violations may result in the position being closed and its P&L removed, reduced leverage or an account breach. The company determines what constitutes a news event.

Question 51

Do funded accounts charge commissions?

Accepted Answer

Funded accounts use the pricing and commissions charged by the liquidity provider to its self-funded retail trading accounts. Check the applicable instrument and platform for the current charges.

Question 52

What is the difference between a hard breach and a soft breach?

Accepted Answer

A soft breach closes trades that violate the relevant rule, but the account can continue trading. A hard breach, including a daily loss limit or maximum drawdown violation, fails the evaluation or closes the funded account.

Question 53

Can I hold positions over the weekend?

Accepted Answer

Yes, CFD positions may be held over the weekend. All applicable risk limits and trading rules still apply.

Question 54

What trading activity is prohibited?

Accepted Answer

Prohibited activity includes exploiting pricing errors or latency; insider trading; front-running; strategies that jeopardize liquidity-provider relationships or create regulatory issues; third-party or off-the-shelf strategies marketed to pass challenges; switching strategies between evaluation and funded trading; arbitraging accounts with Papaya or another firm; and opening new trades or closing trades within 3 minutes before or after high-impact news events. Violations can result in trade adjustments, reduced leverage, termination, forfeiture of fees or gains, or refusal to issue a funded account. Trading activity is reviewed before a funded account is issued.

Question 55

What are the equity growth targets?

Accepted Answer

10% in Phase 1 ($500 / $1,000 / $2,500 / $5,000 / $10,000 / $20,000), then 5% in Phase 2 ($250 / $500 / $1,250 / $2,500 / $5,000 / $10,000).

Question 56

How soon can I request my first payout, and how often after that?

Accepted Answer

14 days for the first payout, then every 14 days.

Question 57

Is there a cap on how much I can withdraw per payout?

Accepted Answer

Yes — 3% of balance per payout period.

Program	Instant Funding	Papaya One	Papaya Two
Price	~~Original price: $106~~Discounted price: $74.20 Code: FRESH30 one time payment	~~Original price: $69~~Discounted price: $48.30 Code: FRESH30 one time payment	~~Original price: $44~~Discounted price: $30.80 Code: FRESH30 one time payment
Purchase	One time fee	One time fee	One time fee
Challenge Rules
Phase 1 Target	—	12% ($600)	10% ($500)
Phase 2 Target	—	—	5% ($250)
Daily Drawdown	—	3% ($150)	3% ($150)
Max Drawdown	—	9% ($450)	8% ($400)
Drawdown Type	—	Static	Static
Consistency (eval)	—	50%	—
Leverage	—	1:50	1:50
Funded Account Rules
Daily Drawdown	2% ($100)	3% ($150)	3% ($150)
Max Drawdown	5% ($250)	9% ($450)	8% ($400)
Drawdown Type	EOD Trailing	Static	Static
Consistency (funded)	18%	50%	—
Leverage	1:50	1:50	1:50
Payout Period	14 days	14 days	14 days
Min. Profitable Days	7 days	4 days	4 days
Min. Profit / Day	—	0.25%	0.25%
Minimum Payout	1%	1%	1%
Non-Withdrawable Buffer	5%	None	None
Account Gains	90%	90%	80%
Inactivity Limit	30 days	30 days	30 days
Max Active Accounts	$1,000,000 total	$1,000,000 total	$1,000,000 total

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