This is another HYIP that I recently tried. Since my last article related to HYIP, one program has become a scam even though I managed to reach BEP.
There have been a couple of changes with my previous programs. They started offering cryptocurrency to start investment. One of them is no longer accepting the Perfect Money option.
Some also adjusted their rate. Hopefully that can sustain their business.
This next one, OnlineDividends.com is a bit different. It doesn’t use the typical Gold Coders script. I guess it’s a bit riskier than my previous ones as this one hasn’t even reached 3 years yet.
So, who is OnlineDividends.com? Is OnlineDividends.com legit or scam? What are the investment plans? How do we get paid?
Those are probably just a few questions that came to mind after hearing about the program. Well, in this article, I’m going to share with you my OnlineDividends.com Review based on my experience and what I can find from the internet.
Hope this helps. Is OnlineDividends.com going to be the best investment program out there?
Click or tab on any sections from the table of contents to jump right to that part. Use the red arrow button on the bottom right corner of the screen to head back to the top.
Table of Contents
Type: High Yield Investment Program (HYIP)
0.8 – 1.5% daily for 160 business days
5 – 8% weekly for 32 weeks
26 – 35% monthly for 8 months
Referral Commission: 5% – 10% (1st Level), 2 – 4% (2nd Level), 1 – 2% (3rd Level)
Payment Method: Perfect Money, Bitcoin, Litecoin, Payeer
Started Since: July 2019
My Status: NOT PAYING / SCAM
Last Payment: September 2022
WARNING – OnlineDividends.com is one of the HYIP
High Yield Investment Program (HYIP), is a program where anybody can deposit some money as investment and get a high profit in return after a duration of time. How high the profit can be very relative but still, they are not very sustainable for the long term.
They will be out of business, eventually. Not necessarily because they are scams, but sometimes just a single mistake can cause them to lose a lot of money.
Some consider this as PONZI scheme, where the first investor get paid by the next one. Eventually the last member won’t get paid at all.
IF YOU ARE NOT SURE ABOUT THIS PROGRAM JUST CLOSE THIS PAGE OR SKIP TO THE BOTTOM TO LEARN ABOUT ALTERNATIVE WAY TO MAKE MONEY ONLINE.
Why are people still using this kind of program?
For one thing, there are still some legit programs, even though they will be out of business sooner or later. People can still make money out of them.
Another thing is that people sometimes just want some extra income right away. They can no longer afford time and energy to work and build a business in a legit way. Some even already work for two jobs.
Investing some money is their only way. Hopefully to get something in return.
Why do I still use this kind of program?
Some people would say that this is not a legit way to make money online, let alone as a business for passive income. It is a scam and we will lose the money.
I tend to agree and in general will not recommend anybody to use.
But the legit way to make money online and turn them into a business requires time and hard work even money to start that not everybody can afford. What I’m doing here on this website is exactly one of those legit way. We build website like this and fill them with helpful information, get traffic and monetize.
You can learn more about it below. There are other way to make money online that I share here on this website.
I’m here just to share my experience, observation and point of view regarding this program. To help people make decision on whether they should spend their money with this program or not.
So you can just read about my story with them. No need to follow me invest some money or even join the program because I’m not recommending this in general. Do it at your own risk.
And it is all for the sake of making money online in a legit way.
Some tips for using HYIP service
If you are still willing to give this kind of program to try, there are some tips that we can use in general for every HYIP.
First of all, consider this program not as investment but more like gambling. Which means, just think that the chances are we are going to lose the money.
Use only the money we can afford to lose. Not the money you need to pay rent or school or food. Maybe money for cigarettes, or vacation.
Do not to think about making money or even huge profit, consider it just a bonus if we get. And if we do get some profit, try to save it for another program if you want. Think about investing as a whole not just per program.
Get our investment back as soon as we can. Do not try to compound or reinvest before that. Once we get our initial investment back, we can reinvest as we please.
Do our own due diligence. Research first, read from monitor, forum, or other people’s blog or website. Try to understand which user is actually give some time to invest. Anybody can say anything on the internet, even those who doesn’t have anything to do with it.
Test first, by try using every feature from the platform. Send tickets to support, ask them anything. Make sure we understand the rule and terms, how to deposit, or withdraw.
Choose the very low minimum investment plans so we are not going to lose money that much. There are a lot of ways to earn money online for free that I share here. Maybe just a few cents but we can try investment program with very low minimum deposit.
It is very easy to be tempted to reinvest our money once we know that the program is legit or just because we get our first payment. We think that the program will keep paying.
Remember that one of the reason for them to stop paying is because they lose the money, or make a mistake. Not just because they are scam from the beginning.
We have to control ourselves, set rules that we follow.
If you have set up your mind and still want to give this a try, keep reading. If you are not ready just skip to the very end of this post.
News and Update
January 2023. Still no payment since October 2022, no other update as well. Changed the status for this to NOT PAYING / SCAM.
October 2022. The owner shared some news that they lost some money on the website. From that news, I found out that the owner’s name is Sven H. They said that they could have just shut down the site but for the moment they chose to just continue.
Changed my status for this to PROBLEMATIC. I have doubts but let’s see if they can come back.
So, this is the first HYIP that I have tried at the moment that doesn’t use the Gold Coders script. Every page definitely looks better and more professional than those template HYIP.
Of course, that doesn’t necessarily mean they are better at sending profits with their investment plan but it is definitely easier to attract more investors. They started in 2019, and at this moment recently reached 900 days in business.
I don’t know how many active investors that they have but they do show the amount of invested money which is almost $800,000 and paid about $400,000. If we consider the investment cycle and the minimum amount to invest, I assume they already have like 10,000 users.
They also have a page for company profile but I’m not sure it will help us understand their business.
One positive thing about OnlineDividends.com is that they put a link to their Twitter account on their website. At least we have alternative way to contact them aside from the contact form.
We can also send email to either firstname.lastname@example.org or email@example.com. The problem is that some HYIP monitors said that they tried to contact them but haven’t gotten any reply.
I did contact them via their contact form and sadly, they didn’t reply as well. There is also a ticket support system that we can access from inside our account that I have not tried yet.
Based on the NEWS section, they said that they were working on a chat option for support but I haven’t found that feature. At this moment the latest news was published in May 2021.
OnlineDividends.com also has FAQ page which is very good. There is also a GUIDE page which is decent that will guide the process from investing to withdrawing but in general only.
According to the data from HYIP.biz, OnlineDividends.com doesn’t share the same hosting and IP address with other HYIP. But they are in the same network with hundreds of other HYIP.
We can create an account with OnlineDividends.com using this link. They will ask to create a security PIN which will be required for updating the profile for payment ID and for withdrawal process.
Investment is the main and only feature on OnlineDividends.com. Anybody can make a deposit, some amount of money and after a period of lock in time, they will get profit.
Depending on the program, we can get the profit payment, daily, weekly, bi-weekly or even monthly or just one time at the end of term. For the daily, usually either based on calendar days or just weekdays.
Some can even offer hourly payment. We can make a deposit and an hour after that, we will get our first payment of profit.
The lock in period or duration of the investment term can also vary. Some can offer a day, some weeks or even years before we can get the principal back.
Regarding the payment, a program can pay the profit first and return the principal at the end of investment term. Some may pay differently like each payment includes both the profit and parts of the deposit.
For the latter, the offered interest rate seems like higher than the former. This probably will matter if we try to consider how soon we can reach the BEP and start making pure profit.
As for the interest rate, usually from any HYIP, we will get a constant rate. So, the profit is not going to fluctuate depending on the program’s performance.
Some HYIP can offer just one investment plan or several different ones. In the case of OnlineDividends.com, they are offering several plans depending on how often they send the payment.
In general we can choose the plan where we can either get paid daily, weekly or monthly. With any of them we can start the investment as low as $20 up to $1,000,000 per deposit. In each of these plans, if we invest higher amount, we will get higher rates.
Here are the details for each plan.
0.8 – 1.5% Daily Payments for 160 Business Days
$20 – $999.99: 0.8%
$1,000 – $4,999.99: 1.00%
$5,000 – $9,999,99: 1.25%
$10,000 – $100,000.00: 1.5%
What this means is they will only send the payment to our OnlineDividends.com account during business days and not the weekends. I’m not sure about holidays. Usually they will make an announcement if they are having a National holiday and won’t be sending any payments for that time.
If that is the case, they will skip that time, and the end of the terms will be moved further. We will still get the same amount of payments.
That 0.8% – 1.5% also represents the total return that we will get. What that means is we will not get our principal returned at the end of the investment term.
So, if we choose to invest with the lowest plans of this group, we will get 160 x 0.8% = 128% TOTAL RETURN. If we invest $20, by the end of it, we will get $25.6 with $5.6 as the profit. For $100,000 investment we will get $240,000 by the end of it.
They will send the $0.16 payment each business days until 160 payments but we will not get back that initial $20. It is already included.
If we convert that 160 days into calendar days, it is equal to 224 days. That means it will be over after less than 8 months.
The profit or interest rate per calendar days is about 0.125% for the lowest plan and up to 0.625% for the highest plan.
Based on that interest rate, we can reach BEP or 100% return after 125 payments or within almost 6 months for the lowest plan. For the highest one, we need 67 payments or within more than 3 months.
But that is not just the profit.
If we choose to reinvest the initial again, we need like 4 cycles of this plans with the lowest or more than 2 years just to reach BEP from the profit. It will take about 6 months with the highest plan.
These numbers are also assuming that we choose not to compound the profit to the investment.
5.0 – 8.0% Weekly Payments for 32 Weeks
$20 – $999.99: 5% weekly
$1,000 – $4,999.99: 6% weekly
$5,000 – $9,999,99: 7% weekly
$10,000 – $100,000.00: 8% weekly
For this second group, we will get paid weekly to our OnlineDividends.com account. Similar to the first or daily payment group, it will include the initial deposit within the payment, not just the profit. They will not return the initial by the end of the investment.
Unlike the daily plan, we will always get the payment after 7 exact days. It doesn’t matter if the week has some additional holidays in it.
Based on the numbers above, if we invest $20, after a week we will see $1 in our account. The total would be $32 or 160% TOTAL RETURN with $12 or 60% profit.
For the $100,000 investment, we will get $8,000 every week and get $256,000 as the Total return by the end of it. The profit is 156% for that highest plan.
Compared to the daily plan, with 5 payments a week, this investment group offers higher interest rate for the same time frame.
The investment will end after exactly 32 weeks or 224 days regardless of any holiday in between. That means, the profit or interest rate per calendar days is between 0.2679% with the lowest one and up to 0.696% with the highest one.
Based on that interest rate, we can reach BEP or 100% return after 20 weeks or about 5 months. For the highest one, we need 13 weeks or about over 3 months.
But that is not just the profit.
If we choose to reinvest the initial again, we need like 2 cycles of the lowest one to reach BEP or about 373 calendar days just from the profit. It will take about 144 days from the highest plan or about 5 months to reach BEP with just the profit.
These numbers are also assuming that we choose not to compound the profit to the investment.
26 – 35% Monthly Payments for 8 Months
$20 – $999.99: 26% monthly
$1,000 – $4,999.99: 27% monthly
$5,000 – $9,999,99: 29% monthly
$10,000 – $100,000.00: 35% monthly
For this third group, we will get paid monthly to our OnlineDividends.com account. Similar to the other groups, it will include the initial deposit within the payment, not just the profit. They will not return the initial by the end of the investment.
I’m not exactly sure how this monthly payment works. Usually they can either set it to pay every 30 days or they will pay on the exact same date in the following month.
Based on the numbers above, if we invest $20, after a month we will see $5.2 in our account. The total would be $41.6 or 208% TOTAL RETURN with $21.6 or 108% profit.
For the $100,000 investment, we will get $35,000 every month and get $280,000 as the Total return by the end of it. The profit is 180% for that highest plan.
Compared to the weekly plan, with 4 payments a month, this investment group offers higher interest rate for the same time frame.
Again, I’m not sure how this plan will end. It can be after 240 days or on the exact date of the 8th month since we made the investment.
Assuming that it will end after 240 calendar days, the profit or interest rate per calendar day would be 0.45% for the lowest one. For the highest one, the interest rate is 0.75% per calendar day.
Based on the interest rate, we can reach BEP or 100% return after 4 months. For the highest one, it will take 3 months.
But that is not just the profit.
If we choose to reinvest the initial again, we need like 223 calendar days just from the profit or almost 1 cycle (8 months). It will take about 134 days from the highest plan or about 4 months to reach BEP with just the profit.
These numbers are also assuming that we choose not to compound the profit to the investment.
On OnlineDividends.com, we can invest more money with the same plan but the second deposit will be considered as separate investments. They will not combine or add them to the previous one.
However, they do offer compounding option. What this does is instead of sending the payment of the current active investment to our account, they will add those payments to the principal.
The compounding works the same for all plans.
For example, if we choose to invest $20 with the weekly plan, we should get $1 payment after a week. If we activate the compounding option, that $1 will be added to the investment so our principal will be $21.
For the next payment, we will instead get $1.05. So, the principal can grow and we will get higher payment for each subsequent payment.
We can also choose to compound partially. They allow us to set and change the percentage of each payment to be included in the principal. Using the example above, if we choose 50% compounding, they will send $0.5 to our account and the other $0.5 to the principal.
We can choose to set it from the start or modify it in between payments. That setting will be considered for the next payments.
I don’t know how this one works exactly because I have not tried it. I assume that they will still return the compounded amount or otherwise, we will lose the money.
Based on the FAQ page, it is possible that the compounded money will make the investment eligible for higher interest rate. Like if we invest $999 and the compounded will make it into $1,000. If that happens, the system will pay the higher rate on the next payment.
Comparisons to Other Investment Programs
If we are not familiar with the world of investing, specifically HYIP or online program, it is probably hard to understand the number described above. Are they a good interest rate or is it really too high or even a sign for scammers?
One way to find out is by making comparison to other similar programs. This might not be the best or the perfect way to do it but at least this can give us some perspective.
I assume that most people will only use like the lowest possible plan but OnlineDividends.com still offers 3 options with the daily (0.125% profit per calendar days), weekly (0.2679% per calendar day) and monthly (0.45% profit per calendar day) plans.
I also do not consider the compounding option. So, are they a good interest rate?
Here are some comparisons. The numbers are based on the current rate at the time of writing. Each of them may change their plan anytime.
CityBuildTrade.com, recently changed their plan from one to several plans. The lowest one offers 0.2% after a week while the highest one offers 0.468% daily profit but paid after 1,920 days. That means, the lowest one is even lower than the daily plan from OnlineDividends.com and the highest one is slightly higher than the monthly plan.
SolidTradeBank.com, also one of the longest paying HYIP at this time, 5 years old as well, is offering 0.14% daily calendar days interest rate as the lowest plan or 0.28% for the higher one. The lower plan is higher than the daily plan of OnlineDividends.com and the higher plan is slightly higher than the weekly from OnlineDividends.com.
Crypto7.com, offers like 0.3% daily profit for 555 business days. Or we can say it is about 0.21% calendar day profit. This is slightly lower than the weekly plan but still higher than the daily plan from OnlineDividends.com.
SafetyDepositary.net, also offers like 0.2% daily profit but for 555 business days. This is slightly lower than the weekly plan but still higher than the daily plan from OnlineDividends.com.
TopTradeCapital.com, also offers 2% weekly payment but only for 364 calendar days. This is slightly higher than the weekly plan but lower than the monthly from OnlineDividends.com.
7-Lion.com, also offers 2% weekly but in bi-weekly payment and also with very long term plan of 798 calendar days. This is slightly higher than the weekly plan but lower than the monthly from OnlineDividends.com.
Fine-China.biz offers 2% weekly as well as the lowest investment plan but it will take 777 calendar days with 10% weekly as the highest. So, the lowest plan is slightly higher than the weekly plan but lower than the monthly from OnlineDividends.com.
DollarBill.biz offers 2.1% weekly profit in 700 days. This is slightly higher than the weekly plan but lower than the monthly from OnlineDividends.com.
Funds-Broker.com offers also 2.1% weekly profit in 798 days. This is slightly higher than the weekly plan but lower than the monthly from OnlineDividends.com.
Seven-Stream.com offers 4.1% profit per 2 weeks in 994 days. This is slightly higher than the weekly plan but lower than the monthly from OnlineDividends.com.
White-Wolf.biz, offers 2.1% weekly profit for 2 years. This is slightly higher than the weekly plan but lower than the monthly from OnlineDividends.com.
Billion-Stars.com offers 4% profit per 2 weeks for 798 days. This is slightly higher than the weekly plan but lower than the monthly from OnlineDividends.com.
Cyber-9.com also offer 4% per 2 weeks for 994 days. This is slightly higher than the weekly plan but lower than the monthly from OnlineDividends.com.
Cyber-Bank.cc also offer 2% weekly for 798 days. This is slightly higher than the weekly plan but lower than the monthly from OnlineDividends.com.
UnchartedWealth.com offers 0.05% daily profit for 365 days. This one is even less than half the lowest rate from OnlineDividends.com and takes longer time to complete.
Those 15 are the only HYIP programs that I’ve tried and still paying right now. I really can’t try too many of them, considering how risky the nature of HYIP and again, I wouldn’t recommend anybody to try as well.
But there are other online programs that also offers to pay some interest. Some people might think these programs are better than HYIP because the interest feature is just a secondary feature.
They have other ways as income source. Here are some of those programs.
Freebitco.in, probably one of the longest paying faucet program, offers like 4.08% annual interest. That is just like 0.01% daily calendar day profit, which is already far lower than any HYIP.
Free-Litecoin.com and their group, similar program to Freebitco.in, also offers to give up to 6% annual interest. It is like 0.016% daily profit, just slightly higher than Freebitco.in and obviously still way lower than any HYIP.
Cointiply.com, also another faucet program that offers interest which will be compounded weekly. The interest is 5% annual or about 0.014% daily, also lower than any HYIP.
StakeCube.net also offers 0.02% fixed daily interest rate for investing in Bitcoin and several altcoins. There are also another offer with fluctuate interest rate from the Staking feature which could be up to 0.08%.
SimpleBits.io is another faucet program that offers some kind of investment from their rent hardware simulation. The plan with the highest rate is about 35% for 120 days or about 106% annually.
ExpressCrypto.io is a micro wallet service where we can also make an investment on via their saving or staking feature. The highest plan so far is to stake Tron or TRX and get an annual rate of 6%.
CryptoWin.io is another one where we can invest Bitcoin. They offer 0.7% daily rate but include the principal for 180 days. That means the interest rate is about 0.144% profit per day. This is just half of the rate from most HYIP.
There are still other forms of online investment programs that are not HYIP and I haven’t got the chance to try it. We could invest on cryptocurrency mining, with hardware, or some stocks.
Comment and Suggestion
So, OnlineDividends.com is a bit different than all of other HYIP that I have tried so far. At least, we can see that the script is different, not from the typical GoldCoders.com.
From what they are offering, usually those Gold Coders HYIP are essentially only offering one plan. They offer different plan but the starting deposit is much higher and almost impossible to achieve. I feel like nobody will invest that much money but who knows.
With OnlineDividends.com, we can choose 3 different groups of plans based on how often we want to get paid, either daily, weekly or monthly. We can start with the same amount of minimum deposit with any of those three.
However, plans with longer payment interval will give higher interest rate. Usually I thought this may not be a good idea. Mostly because the HYIP will have to do more complicated estimation.
If they are only offering a single plan, it will be easier. They cut one of the variables. It’s just a matter of how likely each member will open multiple investments.
I also do not like when they are offering more frequent than weekly payments. In this case, the daily payments. Some people may prefer those because they can immediately withdraw the money just in the next business day.
On the other hand, I would say that this will give more workload to the people behind HYIP. Like everyday they will have to process more number of payments. If the process is automatic and/or instant payment, maybe that can help a bit.
Otherwise, the people behind HYIP will get a lot of withdraw requests that they need to process one by one. By limiting the plan to at least weekly payment, the investors will have less flexibility to do so.
It will still happen but it will be drastically different. I personally prefer weekly program and I tend to avoid those that promise to pay hourly. It’s like we make a deposit now and an hour later they will send us back some of the money?
Maybe OnlineDividends.com has figured it out how to automate the process but I feel like by having the daily payment, they open themselves to some risk. It will be more difficult for them to predict the amount of profit they need to generate.
I think it also gets worse that they offer the compounding option that any investors can set in any percentage. Sure, they could just predict that anybody will compound 100% which will increase the overall interest rate.
The interest rates themselves are a bit higher than most programs that I have tried. I thought 2% weekly profit is probably a reasonable number. That is how some of HYIP that I have tried can sustain and stay in business for years.
If they are offering too high, they might be just a scam. Even if they are legit, willing to pay, they will not be able to keep that number. Either they will go bankrupt or scam or they will eventually adjust the rate.
Of course, it’s not a guarantee that they will succeed. But the point is how we can reduce the risk or choose which program with the lowest risk while keep diversifying.
With that in mind, if a program is offering higher than 2% weekly profit, I should expect that they will have higher risk and will more likely to fail. Again, not a guarantee but it’s about managing our expectation.
With OnlineDividends.com, since anybody can also access the monthly plan which gives the highest interest rate, we should consider that plan as their standard.
Which makes the standard rate is 3.15% weekly profit with the lowest one. That is higher than 2% so higher risk.
But that is not all. By increasing the deposit to $1,000, investors can even get the higher plan which gives them about 3.38% weekly. I don’t know how many investors are willing to invest that much money on a program like this but I think it is still possible.
That means, it will put OnlineDividends.com in even higher risk. I think even that $5,000 minimum is also possible.
At the time of this writing, OnlineDividends.com just recently passed 900 days of offering investments. So, it is barely 3 years while other programs that I have tried are about 6 years or so. It is definitely not just a scam because most scam will not even make it to their first month or even less.
Will it sustain? I don’t know. Even some of other programs that I have tried have started to adjust and give lower interest rate than the 2%. So, either OnlineDividends.com adjusts the rate sooner or later or they just become a scam.
Another thing that is different from OnlineDividends.com compared to other HYIP that I have tried is that they do not return the principal at the end of the investment. This is a minor difference but it may affect how people will invest.
If the investors choose to withdraw money as soon as possible, then they will have to make another deposit to start a new one. What that means is to start a new one, it will take longer process unlike the other HYIP where reinvesting will take just seconds.
By using this idea, the investors may even forget to reinvest immediately. What’s good about it is that it will take the load off from the HYIP. I guess eventually people will figure it out but it has some impact.
Currently, we can invest with several different currencies, which two of them are cryptocurrencies, Bitcoin and Litecoin. I’m not sure about these 2 options or any future cryptocurrencies that they may add in the future.
If I understand correctly, OnlineDividends.com will only show the USD value of those coins. Considering that the value of the coins fluctuate a lot with a potential of crashing, we may actually get lower amount of coins. That is if we withdraw when the coin’s value is higher than the time we made the deposit.
Essentially, it’s like when we withdraw, we are buying the coins again. Unlike the USD option via Perfect Money or Payeer, there is also a minimum to withdraw.
The minimum for Bitcoin is $50, which is even larger than the minimum to start the investment. I guess, it will be harder for investors to just withdraw as soon as possible.
Might be both good and bad for the HYIP themselves and the investors.
It is less flexible for investors. Their money will stuck and they have no choice but to reinvest which increase the load for OnlineDividends.com.
If the idea is to get more coins, this is not a good place. We will still get the same value but we might lose the amount of coins.
I think it is good for the HYIP as they do not need to worry about the fluctuating price of cryptocurrency by keeping the fiat value.
Another thing to consider with the cryptocurrency option is that the more often we accept payments, we may have to pay higher fees later.
I also have doubts with the Payeer. Some other HYIP have shown that Payeer will stop supporting this kind of programs. That means, we only have the Perfect Money option.
This can affect OnlineDividends.com business but I don’t know how much.
One last thing to consider is the investment period. It’s about 8 months to complete regardless of the plan. Compared to most programs that I have tried, this is significantly shorter. The other HYIP requires like a year to complete and most of them can take almost 3 years.
But this one, because of higher rate, we can reach BEP sooner even from just the profit.
Overall, OnlineDividends.com or any HYIP are already a risky investment. Offering higher interest rate makes them even worse.
They can become scam anytime. Maybe right before we reach BEP or even right after we make the deposit. We will never know, except when it is already happened and all we can do is let it go.
Which is why, in general, I do not recommend anybody to invest in any HYIP. Please do it at your own risk and only spend the money that we can afford to lose.
Referral / Affiliate Program
It seems that there is actually a way to earn money from OnlineDividends.com without starting any investment or even making a deposit to them. It is by using the affiliate or referral feature to earn some commission.
What we need to do is we invite other people to join the program and let them use the service. In this case, the program is OnlineDividends.com and the service is to invest, deposit some money to start the investment.
As the referrer, we will get some commission based on some percentage of the referral’s deposit amount. We can then withdraw the money or, if we can reach the minimum amount, we can use to start investing.
The more referrals we have, assuming they are all making a deposit will increase the commission we can get. If we focus on promoting and keep getting more referrals, then we may have a passive income source without investing.
That is the basic idea. The question is, will this referral feature work as good as it sounds?
How does it work?
Like any other online program offering a referral or affiliate commission, each of their member will get a unique link with their ID attached to it. It is called a referral link or ref link and this one below is mine for OnlineDividends.com.
If anybody click on that link and join the program, they will become my referral. And if they use the service, make a deposit to start their investment, based on their FAQ page, we as the referrer will get either 5% or 6% of the referral’s deposit amount as the commission.
5% is the rate if we ourselves do not have any active investment while 6% is if we are become the investors, not just signing up with OnlineDividends.com. Apparently, OnlineDividends.com also offers multi level referral commission up to 3 levels.
If those referrals manage to invite other people as well, those people will become a second level referral to us as the referrer. Assuming that the 2nd level will also make a deposit, we will get 2% commission from them.
The similar goes if the second level manage to invite another investors. They will become our 3rd level and we can get 1% commission from their deposit.
However, we can only get the 2nd and 3rd level commission if we are an investor. We only get the 5% from first level or direct referrals if we do not have any active investment with OnlineDividends.com.
Also, we will only get commission if the referral make a deposit from outside the system. If they simply just reinvest their earnings, we will not earn any.
Since they accept multiple different payment processors, we will only get commission in the same currency as what the referrals used to make their deposit. Currently, there is no exchange feature, so we can only withdraw the earnings in that currency as well.
Assuming the referral feature works, what we need to do is just share the link to anybody on any online platform that we regularly use. The platforms can be our social media accounts, forums, emails, group messengers for family or friends or even blog and website that we own.
Anywhere we can post the link and the public can access it will do. Even Google Docs can work.
We can find the link by accessing the MY AFFILIATE menu after we sign in to our OnlineDividends.com account. The page will be similar to what is shown by the previous picture.
The link will be similar to my link above, with the exception that the username at the end. Other user can just replace the username with theirs.
MY AFFILIATE page will also tell us the number of referrals that we have invited, how many of them are active investors and the amount of commission that we get.
Aside from that, OnlineDividends.com also provides some promotional banners, in various sizes and shapes, each with HTML code, ready to be used. We can find the banners by accessing the BANNERS menu after we sign in.
Apparently, there is another way to increase the multi level referral commissions. It is by becoming a representative of OnlineDividends.com.
Representative is a person who helps new investors to overcome technical or non technical issues they may have related to OnlineDividends.com.
If we do so, the commission will be upgraded to 10% from the 1st level, 4% from 2nd level and 2% from 3rd level. That means, we need to be an investor as well.
Unfortunately, this is a new feature to me. I already sent them a message via their contact form asking further information about this and they have not replied back.
The AFFILIATE page at the bottom says that we need to contact them if we want to become a representative. They will ask us to submit a profile which they will review and approve.
I think I saw similar features on other programs that I have not tried. Basically, they will post some contact info of ours like email or WhatsApp number. The goal is so that users from the same country as the representative can just contact their representative for any help.
Somehow I have not found any page on OnlineDividends.com for that purpose.
How to get (more) referrals?
Well, sharing the link is a must but how exactly? Sharing to the wrong people is like a salesman approaching stranger. People hate that.
If we try to share on our social media, people might get annoyed if they are not interested. Especially if we are spamming, sharing over and over again like multiple times within a day.
We could lose our followers, risking any network we have built. Maybe it’s better to have alternate account specifically just to share this kind of program.
We look for community or other users that we know are interested. Then we can share with them the link.
A better way might be to share on forums. Not just any forum of course, but related to online money making program and maybe investment.
The problem with using any free platform like this is that we are probably not the only one who promote the same program. We have to offer something more than just the referral link like anybody else.
Another thing is that these free platforms have rules that they can suddenly change about promotion and not to mention, shutting down their service entirely. We have to start over our campaign if they delete them.
A better way would be to have our own website. We can share anything not just one program but others with the same, similar or related topics.
Having a website is like having a shop in real life. People can always come back to and find out more programs to use.
Then we can use those free platforms, forum or social media accounts just for promotion. A good way to get backlink or generate traffic.
Since it’s an online shop, it will stay open 24/7, no need to wait for us to wake up and can be accessed from everywhere around the world. The best part of having our own place or website is that any search engine like Google will do the promotion work non stop.
And they will show the website as a result to exactly people who are interested in it. The people that use the search engine to look for it and get the website we build as the result. No need to worry about being annoying salesman.
Those people will access the website, see what we have to offer. Maybe a review like this, other or similar program we use, sharing experience, opinion, views to let people know that we understand this kind of program.
If they are interested, they will become our referrals for any program we promote. Once we have enough referrals for OnlineDividends.com or every programs we promote, we can have passive income even full time income.
That is exactly how people can build their business online. They own a website, fill the website with contents that can help promote a program, and let it work automatically.
If you are interested to know more about how to build a website and turn it into an online business, keep reading. I will share with you later about a training program that anybody can use.
In the meantime, let’s head back to OnlineDividends.com for a little bit.
Comment and Suggestion
At this point I don’t have any referrals for OnlineDividends.com yet. So, I don’t know for sure how this feature works exactly of if they do at all. I’m just sharing my opinions based on my experience with referral features from other programs.
Compared to other HYIP that I have tried, this one has more features in it. It’s like the other HYIP do not even care about their features.
The commission rate is clearly significantly higher than those other HYIP. Usually we can get only like 1% or even less. Sometimes we need to have certain number of referrals in order to increase it which is also almost impossible.
With OnlineDividends.com, we get 5 or 6 times higher and that is just from the 1st level. None of the HYIP that I have tried even offers this multi level referral commission.
So, if one of our 1st level referrals made a $20 deposit, we will immediately get $1.2. If that is not in cryptocurrency, we can immediately withdraw it.
Assuming we have a 2nd level referral which also make a $20 deposit, we, as the referrer will get $0.4. From the 3rd level if any, we will get $0.2 for every $20 deposit.
Of course, it’s not going to be that easy to get that kind of referrals. Not everybody will be interested to even just joining the programs. From some that do, only a small percentage will make a deposit. That’s just the way with any referral programs.
But then, assuming that they do pay the commission, this is a lot of money. Since they include the principal deposit to each payment, there is a chance that the referral will be withdrawing the funds and reinvest back again from outside.
In that case, the referrer will get more commission for each deposit. With other HYIP, we probably will only get one commission per referral if ever but not on this one.
Even with just direct or 1st level referrals, with 6% commission, we need only 16 deposits to get enough money to start another investment or just to reach BEP. Since there is a chance that the same referrals will make multiple deposits, we probably only need less than 16 referrals.
If we don’t want to invest ourselves, with 5%, we only need 20 deposits. Maybe less if one of the referrals invest higher than the minimum.
I guess, it’s less likely because all referrals may use different payment method. It’s very unlikely that OnlineDividends.com will offer exchange.
That is one of the cons. If the referral choose like Bitcoin to deposit, we may end up cannot withdraw the earnings at all. The only way to get that commission is by making another deposit ourselves using the same currency and accumulate the earnings.
That means, we will need another 8 months or so. If somehow we can communicate with our referrals, we probably should recommend using other payment methods. Litecoin is better in this case than Bitcoin but I still prefer USD with Perfect Money.
The rate is even higher if we become a representative. With 10% just from the 1st level, that means, if they invest $20, we already get $2.
This is a very generous offer. But then, it makes me a bit concerned.
They are already offering a higher interest rate than other HYIP and now they will also giving that much commission. Obviously, only they know if that is a good number or not.
As just investors from outside, I can only say that the risk of investing with OnlineDividends.com is even higher. They almost make it to their 3 years but either they have to adjust the rate or they won’t survive that long.
Of course, there is a chance that it turns out 2% is very low. But the risk becomes higher by offering higher rate is still there.
Because of that, maybe we shouldn’t extensively promote this one instead of other HYIP, assuming we are willing to take the risk. If they manage to stay for years to come, that is great. But there is a good chance that it won’t happen.
Again, HYIP is already a risky investment. Promoting this kind of program might end up ruining the relationship that we may have with the referrals which could be a friend or even family.
Deposit and Withdraw
Now that we have learned about the investment and how to earn commission from OnlineDividends.com, the next question is how do they handle payment? How do we make a deposit to start the investment and how do we get paid after that?
At this moment, OnlineDividends.com accepts USD payments via either Perfect Money and Payeer. They also accept payments using Bitcoin or Litecoin which will be converted immediately into USD amount.
Payeer also support cryptocurrencies, including Bitcoin and Litecoin with an exchange feature on that platform. So, we can use that account as the wallet for those two.
To exchange some cryptocurrencies into Perfect Money USD, we can use exchanger like Crex24.com. At this point I have never bought Payeer balance in USD or other fiat currency but I know several online earning programs that pays in USD via that payment method like CoinPayU.com or AdBTC.top in RUB.
If we want to earn free money first before we invest in HYIP, check this article to find many different earning options.
Once we have opened an account with either payment method, we need to register it to our OnlineDIvidends.com account profile. We will also need to enter the Security PIN to change the payment ID.
NOTE: Whichever payment method we use to make a deposit, we can only withdraw the earnings using the same payment method.
How to Deposit
Making a deposit to OnlineDividends.com means starting the investment right away. So, we cannot just send payment to our account and spend it later. For cryptocurrency, our OnlineDividends.com cannot be used as a wallet to accept payments.
I have only tried making a deposit via Perfect Money which I’m going to show the process below. If I understand correctly, for Payeer, the process will be similar but less complicated.
I will show some pictures related to the other methods aside from Perfect Money.
To make a deposit, after we sign in, we need to click the menu at the top that says INVEST. The previous images shows what we will see from that menu.
Here we can find the three different investment plans in 3 separate columns. We can click any of them to choose and the dot at the bottom of the box will indicate which plan we are choosing.
If we scroll down, we can see a field that says STEP 2. We can click on that field and a drop down menu will show the 4 possible deposit methods.
If we have some balance, they will also show that method. So, we don’t need to withdraw and deposit again just to reinvest.
The next step, with the next field is to enter the Investment amount. Regardless of the plan, the minimum should be $20. The page will automatically set to that amount.
Then, as step 4, we can enter the compounding percentage. As the page says, we can enter between 0 to 100%. We can still modify this later after we already made the deposit and the investment started.
We can click the MAKE INVESTMENT button to proceed. As shown by the next picture below, we will see a confirmation page. Here we can make sure that we have chosen the right plan and the right amount to invest.
We can still cancel it by clicking the yellow X button at the bottom or proceed to the payment system with the green check mark button. The second picture below is what we will see when we enter the Perfect Money page.
Here we can find more data about OnlineDividends.com. Their PM account number is U21921555 (ONLINE DIVIDENDS), a verified account with 112.9 Trust score points at the moment and normal credit rating.
We can choose to pay using Prepaid card or voucher or using our funds in our PM account. To proceed, we can click on the MAKE PAYMENT button at the bottom.
The next page we will see is the page to sign in to our PM account as shown by the next picture. After we enter the payment ID, they will send a PIN code to our email address that we use to create a PM account.
We need to copy and paste that code on the confirmation page. This process is only if we access the account from different IP address or browser.
We can click the CONTINUE button to proceed and we will see the payment page as shown by the third picture below. As we can see, PM will charge an extra fee. For unverified account, we have to pay extra 1.99% from the amount that we want to send.
If we have multiple member ID and payment account on PM, we can choose which one to pay here. We can click on the CONFIRM PAYMENT button to proceed.
Before clicking that, this is the last time we can cancel this transaction. After we click that button, they will immediately send the money and we cannot cancel it again.
The next page, shown by the next image is the payment report. We can find here the batch# of our transaction. There is a button that says CONTINUE and this will bring us back to OnlineDividends.com page.
I don’t know if this is the standard procedure, but during the process of returning to the page, I had to sign in again. We can check whether they already got the payment or not by clicking on the menu at the top that says MY INVESTMENTS.
On that page, we need to scroll down and below the investment plan that we chose, we will see the current active payments as shown by the second picture below.
The page will also tell us how long until the plan expire. At the end of the investment entry we can see a button that says CHANGE.
This will bring us to a page where we can change the compounding percentage as shown by the third picture below. We can change them anytime and it will take affect for the next payment.
That is it with how to make a deposit to OnlineDividends.com to start the investment using Perfect Money method.
As mentioned before, I haven’t tried the other method. For Payeer, the payment should be similar to Perfect Money. The next picture below shows a screenshot of Payeer page during the process.
The second picture below shows the confirmation page if we choose to pay using Litecoin. As we can see that the page will calculate the amount of Litecoin we need to send based on the value a the time of this process.
The page also says that we need to complete the transaction within 30 minutes or they will cancel the order. For Bitcoin, the limit is 90 minutes.
I assume that the limit is the time to send the payment, not the confirmation time. Sending the coin after the time limit means losing the money.
I also don’t know if we can spend a different amount than that or we will just lose the money. I guess we have to make sure that if there is a network fee, it is not going to deduce from this amount.
For Perfect Money and Payeer, the investment will start right away after we have sent it. With cryptocurrency, the transaction must get 6 confirmations before they start the investment.
For the cryptocurrency methods, if we click the green check mark button, the system will generate the wallet address that we need to send the coins to. We have to access our own wallet manually to send the coins to this address.
That is it with the deposit process.
How to Withdraw
For withdrawing money from OnlineDividends.com, I only tried the Perfect Money as well. I assume that the process will be similar to either method.
However, the FAQ page states that there will be a minimum for Bitcoin and Litecoin method with $50 and $4, respectively. For Perfect Money and Payeer, the minimum is $0.01.
I think there will be an extra fee when receiving payments via Payeer like 10% or so. There will be no additional fee with Perfect Money.
To withdraw, we can access the page by clicking on the menu at the top that says WITHDRAW. The next image shows us that withdraw page.
As we can see we can set the amount to withdraw only for the available balance. At the bottom we can find the Payment ID for each method and if we have not enter the ID, we can edit them via the profile page.
To proceed, we simply click the SEND REQUEST button. This will bring us to the verification page as shown by the second picture below.
Here we need to enter the SECURITY PIN again or they won’t process the payment. We can then click on the green check mark button to proceed.
As shown by the third picture below, the page will say that they have received the request and the payment will be completed ASAP. We just need to wait.
The fourth picture below shows the REPORT page. As we can see there is a cancel button if we want to cancel the withdraw request before the process it.
The fifth picture is the report on my PM account regarding the payment from OnlineDividends.com. My first withdraw was processed within 3 hours or so from the request. More about my withdraw report below.
That is it with the withdrawing process on OnlineDividends.com.
Here are the reports for every withdraw that I have requested and the time I got paid from OnlineDividends.com. So far, the payments were processed within the same day. If anything changes with the subsequent requests, I will add note in this section.
1st withdraw. Paid at 19:57, 8 November 2021 (GMT+7), which was about 3 hours since the request. Status paying with 1.76% ROI.
2nd withdraw. Paid at 19:48, 15 November 2021 (GMT+7), which was about 3 hours since the request. Status paying with 3.52% ROI.
3rd withdraw. Paid at 19:59, 22 November 2021 (GMT+7), which was about 3 hours since the request. Status paying with 5.28% ROI.
4th withdraw. Paid at 21:02, 29 November 2021 (GMT+7), which was about 4 hours since the request. Status paying with 7.04% ROI.
5th withdraw. Paid at 20:24, 6 December 2021 (GMT+7), which was about 3 hours since the request. Status paying with 8.90% ROI.
6th withdraw. Paid at 21:23, 13 December 2021 (GMT+7), which was about 4 hours since the request. Status paying with 10.66% ROI.
7th withdraw. Paid at 19:53, 20 December 2021 (GMT+7), which was about 3 hours since the request. Status paying with 12.42% ROI.
8th withdraw. Paid at 21:38, 27 December 2021 (GMT+7), which was about 4 hours since the request. Status paying with 14.18% ROI.
9th withdraw. Paid at 20:38, 3 January 2022 (GMT+7), which was about 3 hours since the request. Status paying with 15.94% ROI.
10th withdraw. Paid at 22:49, 10 January 2022 (GMT+7), which was about 6 hours since the request. Status paying with 17.70% ROI.
11th withdraw. Paid at 20:17, 17 January 2022 (GMT+7), which was about 3 hours since the request. Status paying with 19.46% ROI.
12th withdraw. Paid at 21:06, 24 January 2022 (GMT+7), which was about 4 hours since the request. Status paying with 21.22% ROI.
13th withdraw. Paid at 23:36, 31 January 2022 (GMT+7), which was 6 hours since the request. Status paying with 22.98% ROI.
14th withdraw. Paid at 21:35, 7 February 2022 (GMT+7), which was 4 hours since the request. Status paying with 24.74% ROI.
15th withdraw. Paid at 19:51, 14 February 2022 (GMT+7), which was 3 hours since the request. Status paying with 26.50% ROI.
16th withdraw. Paid at 22:46, 21 February 2022 (GMT+7), which was 7 hours since the request. Status paying with 28.26% ROI.
17th withdraw. Paid at 21:40, 28 February 2022 (GMT+7), which was 4 hours since the request. Status paying with 30.02% ROI.
18th withdraw. Paid at 20:49, 7 March 2022 (GMT+7), which was about 3 hours since the request. Status paying with 31.78% ROI.
19th withdraw. Paid at 21:23, 14 March 2022 (GMT+7), which was about 4 hours since the request. Status paying with 33.54% ROI.
20th withdraw. Paid at 21:47, 21 March 2022 (GMT+7), which was about 4 hours since the request. Status paying with 35.30% ROI.
21st withdraw. Paid at 19:43, 28 March 2022 (GMT+7), which was about 2 hours since the request. Status paying with 37.06% ROI.
22nd withdraw. Paid at 18:57, 4 April 2022 (GMT+7), which was about 1 hour since the request. Status paying with 38.82% ROI.
23rd withdraw. Paid at 20:10, 11 April 2022 (GMT+7), which was about 3 hours since the request. Status paying with 40.58% ROI.
24th withdraw. Paid at 20:15, 18 April 2022 (GMT+7), which was about 3 hours since the request. Status paying with 41.34% ROI.
25th withdraw. Paid at 19:47, 25 April 2022 (GMT+7), which was about 2 hours since the request. Status paying with 43.10% ROI.
26th withdraw. Paid at 20:42, 2 May 2022 (GMT+7), which was about 3 hours since the request. Status paying with 44.86% ROI.
27th withdraw. Paid at 19:33, 9 May 2022 (GMT+7), which was about 2 hours since the request. Status paying with 46.62% ROI.
28th withdraw. Paid at 20:26, 16 May 2022 (GMT+7), which was about 3 hours since the request. Status paying with 48.38% ROI.
29th withdraw. Paid at 21:24, 23 May 2022 (GMT+7), which was about 4 hours since the request. Apparently I made a mistake. I thought the plan has ended and I withdrew everything. So, I started a new plan while the previous plan still has 2 weeks left. Because of that, the current ROI is at 26.47%.
30th withdraw. Paid at 20:04, 30 May 2022 (GMT+7), which was about 3 hours since the request. Status paying with 28.23% ROI.
31st withdraw. Paid at 19:59, 6 June 2022 (GMT+7), which was about 2 hours since the request. Status paying with 29.99% ROI. Apparently this is the last payment from the first investment.
32nd withdraw. Paid at 19:47, 13 June 2022 (GMT+7), which was about 2 hours since the request. Status paying with 31.75% ROI.
33rd withdraw. Paid at 19:42, 20 June 2022 (GMT+7), which was about 2 hours since the request. Status paying with 33.51% ROI.
34th withdraw. Paid at 19:57, 27 June 2022 (GMT+7), which was about 2 hours since the request. Status paying with 35.27% ROI.
35th withdraw. Paid at 19:08, 4 July 2022 (GMT+7), which was about 1 hour since the request. Status paying with 37.03% ROI.
36th withdraw. Paid at 20:29, 11 July 2022 (GMT+7), which was about 3 hours since the request. Status paying with 38.79% ROI.
37th withdraw. Paid at 20:02, 18 July 2022 (GMT+7), which was about 3 hours since the request. Status paying with 40.55% ROI.
38th withdraw. Paid at 19:50, 25 July 2022 (GMT+7), which was about 2 hours since the request. Status paying with 42.31% ROI.
39th withdraw. Paid at 19:58, 1 August 2022 (GMT+7), which was about 2 hours since the request. Status paying with 44.07% ROI.
40th withdraw. Paid at 20:18, 8 August 2022 (GMT+7), which was about 3 hours since the request. Status paying with 45.83% ROI.
41st withdraw. Paid at 19:33, 15 August 2022 (GMT+7), which was about 2 hours since the request. Status paying with 47.59% ROI. Also started a new investment.
42nd withdraw. Paid at 19:45, 22 August 2022 (GMT+7), which was about 2 hours since the request. Status paying with 49.35% ROI.
43rd withdraw. Paid at 20:10, 29 August 2022 (GMT+7), which was about 3 hours since the request. Status paying with 51.11% ROI.
44th withdraw. Paid at 19:54, 5 September 2022 (GMT+7), which was about 3 hours since the request. Status paying with 52.87% ROI.
45th withdraw. Paid at 18:47, 12 September 2022 (GMT+7), which was about 20 minutes since the request. Status paying with 54.63% ROI.
46th withdraw. Paid at 06:56, 20 September 2022 (GMT+7), which was about 13 hours since the request. Status paying with 56.39% ROI.
The current investment should end after 60 weekly payments. I will update this section weekly after I got the payment.
Comment and Suggestion
Nowadays many HYIP have started accepting cryptocurrencies to make a deposit. I personally do not like that and do not recommend it if it is possible.
Maybe I already mentioned before. The reason is mostly because I recommend withdrawing as soon as possible from any HYIP.
HYIP can become scam anytime. We should reduce the loss by withdrawing.
There are 2 problems between that idea and using cryptocurrencies. The first one is the fee load. With cryptocurrency, the more transactions that the coin has it will increase the network fee later.
So, if we keep sending and receiving cryptocurrency payments, the higher the fee later. Our money can get stuck in our wallet because the fee is higher than the amount we have in that wallet.
The next issue is the minimum. While they already set the minimum and we just need to achieve that before we submit a request, the problem is when the value of the coin becomes very high.
With the same value that we requested to be sent, we will get different amount of coins depending on the value of the coin at that time. If the value is high, that same $50 or $4, is worth like several satoshi in each respected coins.
That amount can still be lower than the fee because the fee is not set in the fiat value but to the amount of coin.
So, there is an aspect of timing for when to withdraw and when to deposit. It’s not very flexible.
If we make a deposit using cryptocurrency, we are essentially selling the coin to USD money. And when we withdraw we are buying the coins back. The value of the coin at the time we make a deposit can be different than at the time we withdraw.
Like in trading, we need to buy when the price is low and sell when the price is high. Doing otherwise could mean losing the money or the value of the coin.
For those who follows the cryptocurrency market trend, maybe a good time to invest on this HYIP is during the bearish market. Then withdraw the funds when it starts to bullish again. But timing the market is not a good idea.
On the other hand, if somehow we get a referral who made a deposit using any of those cryptocurrencies, we have no choice but to use one ourselves, probably start a new investment with it. And it will take another 20 to 32 weeks before we get BEP.
Personally, I prefer Perfect Money or Payeer. But, it is possible that the HYIP will stop using any of them completely and only rely on cryptocurrency.
It is also possible that they may accept another cryptocurrency in the future. I’m not saying that they will. If that happens, we have no choice but to follow. Hopefully they can offer an exchange on their platform.
I can see why they may not like Perfect Money or Payeer that much. Mostly because the accumulated fee that they need to pay the payment processors will keep going up as more investors will come in.
I’m just glad that they are offering alternative methods. Back then, there were a lot of online earning programs got screwed by these processors. The processors blocked their account. The HYIP lost their money and can no longer run their business. Again, I just wish and hope for the exchange feature.
OnlineDividends.com processes the payment manually but they are not the only one. Only like 2 out of 15 HYIP that I’m currently using are instant payment.
Based on my experience so far, it will take less than several hours since the request. That is very good while other manual HYIP can process it more than 7 days after the request.
At the same time, it is also possible that OnlineDividends.com will eventually slow down. As long as that can keep them in the business, I really don’t mind.
For people who collect some free cryptocurrency and they want to invest in any program that only accept Perfect Money, we can trade those coins via Crex24.com to Perfect Money balance.
Alternatively, we can try to earn free money from PTCShare.com first. They will pay in USD to our Perfect Money account. It will take a while before we can reach the minimum to start the investment but it is one way to go if we don’t want to spend the money from our pocket.
Status from Monitors and Forums
Once again, I don’t recommend anybody to invest in here considering how risky this type of program can be. But some people might be willing and ready to take the risk and still want to try it. Please do it at your own risk.
I might post and report the payment I got from OnlineDividends.com here. But I could be in the middle of depositing terms and need a week or several to know if they suddenly stop paying.
Or I could be just lucky while they fail to pay other users. It is best to double check other HYIP monitoring program or group discussion on any forum we can find.
I suggest doing it even right before we hit the DEPOSIT button. Below is the list of some links to forum and monitoring program that we can check about OnlineDividends.com.
We don’t have to trust every single website or every review on those website. For me, Goldpoll is probably the one that I can trust.
I did send Goldpoll a report of problematic program once using the form from their left navigation widget. Not long after that, they changed their status for the program and I got paid right after. Or, it could be just a coincidence.
I encourage anybody who are investing in any HYIP to do the same.
OnlineDividends.com can be considered as one of the HYIP. This is the first one that doesn’t use the Gold Coders typical script.
Everything definitely looks better than those HYIP. While we still cannot find much about the people behind this program, at least they published their Twitter account.
They claimed to have 10 years experience before launching this HYIP in more private projects. The most significant difference compared to the Gold Coders HYIP is the security PIN which is required to either change the payment ID or for withdrawal request.
For the investment plans, they are offering three different types based on how often we will get paid, either daily, weekly or monthly.
In any of them, we can start as low as $20 and it will expire after about 8 months or so. The daily one gives the lowest rate, obviously but we can withdraw the money sooner.
Each of those plans will give higher interest rate by spending higher amount. So, all of those 3 plans are accessible for anyone.
Compared to other HYIP, the interest rate is higher than the standard 2% weekly profit, especially if we choose the monthly plan. That is just the basic plan. They are also offering compounding option, so the rate is even higher.
That means the risk is higher even though they recently entered their 3rd year. Either they are doing a very good job or they have to adjust the rate eventually.
The difference between this one and the other HYIP that I have tried is that they include the principal to the payments. So, they will not return the principal at the end of the investment.
OnlineDividends.com is also offering a referral commission with significantly higher commission rate. Not only we will get between 5 or 6% from our referral’s deposit, we can commission from the deposit of our referral’s referral. So, it’s a multilevel referral system down to 3 levels.
That is not all. Apparently, we can become their representative or such which I cannot find much info. By participating in their representative programs, the referral commission rates will be upgraded up to 10% from the first level but only if we make a deposit ourselves.
Even the base commission rate is already 5 or 6 times higher than other HYIP that I have tried. Moreover, we have a good amount of promotional banners that we can use to help us promote OnlineDividends.com.
For the payment method, they accept USD via either Perfect Money or Payeer. They also accept 2 cryptocurrencies, Bitcoin and Litecoin which they will retain the value in USD not the amount of coin. Because of that we might need to do a bit timing for when to make deposit and when to withdraw into cryptocurrency back.
The problem is that there is no built in exchange feature. Our referrals can use different method than us and we can only get the commission in their chosen method. Unlike the USD method, there will be some minimum before we can withdraw the cryptocurrencies.
I think Litecoin is a more flexible option with lower minimum amount compared to Bitcoin. If somehow we have referrals and they use all of payment methods, the only way to get paid for the commission is to start another investments using those method.
Either we recommend one method to the referrals or the commission will stuck there.
Considering the generous interest and commission rate, it is probably riskier to invest on OnlineDividends.com than other HYIP that I have tried. Maybe they could make it by adjusting their rate or maybe they will become scam sooner than the other HYIP.
So far, the payments were processed manually but within several hours since I requested. The investment period is also not that long compared to most HYIP that I have tried.
In general, I don’t recommend anybody to invest in OnlineDividends.com or any HYIP program. If anybody still want to do it, they should do it at their own risk. Please read the WARNING section of this article before making that first deposit.
You can use this link to create account with OnlineDividends.com and start the investment. I think Perfect Money is still the best option at this moment to start the investment for flexibility or at least choose Litecoin.
Other Investment Program
Last Update: January 2022
For the latest update, check out this investment program section in this article. I probably have tried more programs but haven’t written a review for.
Also find out more about alternative way to earn online on that article.
Here are other investment programs that I am currently using. Some of them are also HYIP with rather high interest rate with the same level of risk.
But there are also other investment programs that are not HYIP programs but with lower interest rate and probably less risky.
7-Lion.com(HYIP, 4% Bi-Weekly Profit, USD)
Billion-Stars.com (HYIP, 2% Weekly Profit, USD)
CityBuildTrade.com (HYIP, 2% Monthly Profit, USD)
Crypto7.com (HYIP, 0.3% daily profit, USD)
Cyber-9.com (HYIP, 4% Bi-weekly profit, USD)
Cyber-Bank.cc (HYIP, 2% weekly profit, USD)
DollarBill.biz (HYIP, 2.1% Weekly Profit, USD)
Fine-China.biz (HYIP, 2% Weekly Profit, USD)
Funds-Broker.com (HYIP, 2.1% Weekly Profit, USD)
SafetyDepositary.net (HYIP, 1% Weekly Profit, USD)
Seven-Stream.com (HYIP, 2.05% Weekly Profit, USD)
SolidTradeBank.com (HYIP, 2% Weekly Profit, USD)
TopTradeCapital.com (HYIP, 1% Weekly Profit, USD)
UnchartedWealth.com (HYIP, 0.05% Daily Profit, USD)
White-Wolf.biz (HYIP, 2.1% Weekly Profit, USD)
FreeBitco.in (Cryptocurrency Faucet and Investment, 0.01% Daily Profit, Bitcoin)
Cointiply.com (Cryptocurrency Faucet and Investment, 0.014% Daily Profit, Bitcoin)
Free-Litecoin.com and group (Cryptocurrency Faucet and Investment, 0.02% Daily Profit, Multi Coins)
StakeCube.net (Cryptocurrency Staking and Investment, 0.02% Daily Profit, Multi Coins)
ExpressCrypto.io (Cryptocurrency Staking and Investment, about 1.64% Daily Profit, Multi Coins)
SimpleBits.io (Cryptocurrency Staking and Investment, about 1.64% Daily Profit, Multi Coins)
CryptoWin.io (Cryptocurrency Staking and Investment, about 0.14% Daily Profit, Bitcoin)
HYIP is not the best way to use our money. Even if we use the free money we get from other online program that you can find here on my website.
HYIP is like gambling. There is a big chance that we will lose the money and people would not consider this as a legit way to make money.
Instead, we can invest on our own online business.
If you want to know more about how to start online business, there are a lot of training out there like this one. We can learn about how to set up a website and build content and how to make money online. You can read my review here about them.
Spend and invest our time and money to build a website that can generate an income for ourselves. Unlike investment on HYIP, where if we lose the money we lose everything and need to start over.
If we invest on our website, our hard work can eventually pays off. The only way to lose our investment is if we give up on it or abandon it. We just need to spend some little time everyday and it will grow.
Building a business requires time and hard work. Even Jeff Bezos need two years before Amazon reach return of investment.
The same thing can happen for us on building online business. The sooner we do it the sooner we become successful.
I realize that not everybody still have the time to do this but at least use the money to pay outsource to help you build the website. We just need to learn and understand how the it works and we can pay somebody else to do it for us.
You can learn everything there in the training. Try it, it’s for FREE.
Anybody can use it. Even for a guy without a college degree.
That’s all I can share with you regarding OnlineDividends.com. Maybe I missed something and if you have something to add, please use the comment section below, I would be happy to learn.
Hope this helps. Thanks for reading.