How You Earn with CollectDirect

The short version

1. What you pay. $49.99 a year for your affiliate sign-up fee, renewed by hand, plus the $10 monthly membership. Your first sign-up includes your first month (a renewal does not).
2. What earning needs. Both of those must be current. Fast Start, the matrix and the matching bonus also need, each calendar month, at least 2 people you personally enrolled whose $10 membership is active that month. In a month you have fewer, those three pay you nothing and CollectDirect keeps the shares.
3. Pay for building a team. Fast Start when someone you enroll pays their first month or completes their affiliate sign-up, the matrix ($0.25 per person per level on the $10 monthly payments below you) and the matching bonus (a match on the matrix earnings of people you enrolled).
4. Pay on card sales. A share of the price difference when Retail Customers you referred buy cards at the nonmember price, a bonus on a sponsored member’s first card order, and an extra share for high retail sales.
5. Ranks. Your rank is set each month by active members: how many people you personally enrolled, and how many in your whole team, have an active $10 membership that month. A higher rank lets you earn from more levels and generations, and the top ranks share leadership pools.

Payouts are not active yet; our payout provider is being set up. Earnings are not guaranteed.

Keep your business current

Plan requirements—not a check of your account status.

• 01

  Affiliate sign-up fee

  $49.99 / year

  Required
• 02

  Monthly membership

  $10 / month; your first sign-up includes your first month (a renewal does not)

  Required
• 03

  Monthly active base

  2 people you personally enrolled with an active $10 membership in the month

  For Fast Start, the matrix and the matching bonus

To earn anything, you need both a current $49.99/year affiliate sign-up fee and a paid $10 monthly membership. Fast Start, the matrix and the matching bonus also pay nothing in a month without the active base. Shares missed that way are kept by CollectDirect and are not paid in a later month.

Active member

Someone whose paid $10 membership period covers at least one day of the calendar month (America/Chicago): the $10 Membership, an affiliate’s $10 monthly membership, or the month a first affiliate sign-up includes. A free account, or a membership that ended before the month began, does not count.

Monthly active base

At least 2 people you personally enrolled who are active members in the same calendar month. It is also needed for every rank.

Retail Customer

A Retail Customer is anyone outside the business — a guest, a free-account shopper or a Membership shopper — who buys cards through your link. The retail commission pays when they buy at the nonmember price. People you personally enroll in the $10 Membership also count toward your monthly active base. A Membership shopper pays member prices, so their orders leave no difference to share; they count toward your active base instead. You never count as your own Retail Customer.

Cure period

If your affiliate year (the $49.99) ends, you have 30 days to renew. Shares that would have been yours during those 30 days are held, and paid through their normal checks if you renew in time; if you do not, CollectDirect keeps them. There is no cure if your $10 monthly membership is not current: shares that would have been yours while it is not current are kept by CollectDirect. A renewal counts as on time by when the payment processor shows it succeeded, even if our notice of it arrives late; one that succeeds after the 30 days restarts eligibility from that payment. If the month had already closed without you, a leadership pool share, influencer bonus or matching bonus left out because you looked out of good standing is paid as an adjustment on a later payout, figured as if you had been counted that month; what other members received does not change.

Personal retail sales

What your own Retail Customers paid for cards that month. It sets your influencer bonus.

Level 1 is the enroller or referrer. Each higher level is the next person up the enroller line (who enrolled whom). Your pay tier decides how many levels you can earn from. Pay tiers group the 12 ranks; see Ranks below.

This is not the matrix. Here a level is one step up the enroller line; in the matrix, a level is one row of the placement chart. In Fast Start, level 1 (the direct sponsor) receives $5 on a first Membership month and a flat $20 on an affiliate sign-up.

Shares are rounded down to whole cents. A share whose recipient does not qualify is kept by CollectDirect. It never moves up or down to anyone else.

When your $49.99 affiliate sign-up is complete, you are given your own position in the 2×15 matrix, one company-wide chart that every affiliate is placed in. Only affiliates hold matrix positions, and only affiliates’ $10 monthly payments fund the matrix. A Membership shopper’s $10 pays Fast Start on their first month only.

New affiliates are placed in the first open spot below their enroller, filling left-first level by level, so earlier positions sit higher. If the enroller’s first 15 levels are full, they go to the next open spot deeper; matrix pay still counts only 15 levels. Some of the people placed below you may be enrolled by people above you; that is called spillover. Every position has room for two below it. Placement fills all the left positions on a level first, then all the right positions, so more people on a level receive spillover sooner.

Each affiliate’s $10 monthly membership payment below you pays 2.5% ($0.25) per level, starting from that member’s second month. Their first month is inside the $49.99 sign-up, which pays Fast Start instead.

Example, not typical earnings. Your matrix has 2 people on level 1, 4 on level 2 and 8 on level 3. All 14 paid their $10 monthly membership this month, and none of them is in their first month. In a month you meet the active base, you earn 14 × $0.25 = $3.50 for the month. If you miss the active base, you earn nothing and CollectDirect keeps it.

Levels beyond your depth, and positions that do not qualify that month, are kept by CollectDirect. Pay stops at level 15, even though the chart continues deeper.

1. Everyone. You match 50% of the matrix earnings of everyone you personally enroll, wherever they sit in the matrix. The match is paid in addition; it does not reduce what they earn.
2. Silver and above. You also match people further down your enroller tree, counted in generations. Everyone you personally enroll starts a new leg, and generations are counted down each leg separately.
3. How a generation ends. Your first Silver generation is everyone in the leg down to, and including, the first Silver-or-higher member; the people below them are your second Silver generation. Gold, Platinum and Diamond generations are counted the same way at their own rank.
4. The matches add up. One person can be in several of your generations at once, and there is no limit on how many people you match.

The percentages add up. Example of the plan’s structure, not typical earnings: a Diamond matches 50% + 10% + 5% + 5% + 3% = 73% of the matrix earnings of a personally enrolled member who is in all of the Diamond’s first generations. Matching needs your business active at month end and the monthly active base. When a team member's rank is corrected, your matching bonus is refigured with their corrected rank: a shortfall is paid as an adjustment on a later payout, and an overpayment is reviewed by staff, not taken back automatically.

Example, not typical earnings. Someone you personally enrolled earned $3.50 in the matrix this month. You match 50%: $1.75. If you are Silver or higher, they are also in your first Silver generation, which adds 10% ($0.35), for $2.10 in total. Matching also needs the active base.

4. Retail commission (weekly)

Cards have a member price and a retail price (the nonmember price). When a Retail Customer you referred buys at the nonmember price, the difference is shared through the level table: 50% to you as the referrer, then the upline by rank. For example, a regular card is $12.00 for members and $20.95 at the nonmember price: a $8.95 difference, which gives the referrer $4.47 (rounded down). A Membership shopper pays member prices, so their orders leave no difference to share; they count toward your active base instead. It applies to cards with a published retail price. Retail commissions are held 14 days.

5. Customer acquisition bonus (weekly)

When a sponsored member places their first card order, 10% of that order, on up to $300 of product, is shared through the level table. Once per household. Held 14 days.

6. Influencer bonus (monthly)

Affiliates who sell a lot to Retail Customers earn an extra share of the price difference on their own Retail Customers’ orders, whatever their rank. Personal retail sales: what your own Retail Customers paid for cards that month.

Paid on orders from Retail Customers you referred where you received the 50% referrer share, in a month your business is active at month end: your affiliate sign-up fee and monthly membership current (the active base is not needed). The extra share is limited to the part of the price difference not already paid to you and your upline, so it never exceeds the difference.

Ranks are qualified each calendar month on active members: people you personally enrolled, and your whole enroller team, whose $10 membership is active. Ranks for a month are decided on the 8th, Chicago time, from the whole previous month, and count from the 1st. Commissions from payments made on the 1st to the 7th that depend on rank appear once that month's ranks are final, dated to the payment. Last month's matching bonus and leadership pools are calculated on the 1st; shares for anyone still in a payment recovery are held until it resolves. If a month's rank is later corrected (for example, when a payment notice that arrived late shows you were in good standing), the corrected rank applies from that month on, with its grace, and your earnings follow it: amounts not yet paid are corrected before payout, already-paid months are adjusted on a later payout, and an amount no longer owed is taken from future commissions, never charged to your card. A correction that changes earnings is requested by one administrator and approved by a second. Every rank needs your affiliate sign-up fee and monthly membership current, and the monthly active base of 2 active people you personally enrolled. Your team is everyone below you in your enroller tree, at every depth; you do not count yourself. A leg is one person you personally enrolled plus everyone below them.

If you miss a rank’s requirements, Rank Grace keeps that rank for the next two calendar months. It never waives the monthly active base for Fast Start, matrix or matching pay.

Rules that protect the plan

• No Fast Start, matrix or matching pay in a month without the active base of 2 people you personally enrolled with an active $10 membership.
• Ranks count only members whose $10 membership is active that month. A sign-up alone, or matrix placement alone, counts for nothing.
• A 90-day hold on Fast Start and a 14-day hold on retail and acquisition pay. Refunds and chargebacks reverse the pay at every level.
• One position per person. No buying positions, and no enrolling yourself.
• Unqualified shares are kept by CollectDirect. They are never passed to anyone else.

1. 01

   Commission recorded

   A qualifying payment or sale creates a pending record. Holds apply, and refunds or reversed payments can reduce it.

2. 02

   Payout checks

   Before your first payout: identity verification, tax information and a verified payout destination.

3. 03

   Payment through our payout provider

   Our payout provider is being set up. It is not active, and no payments are being sent.

Timing: Fast Start, retail and acquisition pay weekly. Retail and acquisition commissions are held 14 days. Fast Start is settled at month end and paid after its 90-day hold from the enrollment. Matrix, matching, influencer and pool pay monthly, for the previous month. This explains the plan’s rules; it does not show your personal payout status or promise a payment date.

Please read before you rely on any number

• This plan took effect on 26 September 2026. Payouts are not active yet, so nothing on this page is being paid today.
• On 29 September 2026 the monthly active base (2 personally enrolled active members) and active-member ranks replaced the retail base and retail-volume ranks.
• On 30 September 2026 Fast Start was split into its two first-time components (the first Membership month and the affiliate sign-up), and the cure period and the timing of rank decisions were set out.
• Earnings are not guaranteed.
• Recorded or pending amounts are not payment.
• Rank and placement do not guarantee income.
• The examples on this page explain the mechanics. They are not typical earnings or income projections.
• Read the Income Disclosure for costs, earnings limitations and the availability of participant earnings data.