- Membership
- Pay $10 a month for member card prices, with no business rights. The plan renews automatically until you cancel. Cards are sold separately and are never ordered automatically. Only your first month’s $10 pays Fast Start: part of it goes to the person who referred you and their upline. Not the same as an affiliate’s monthly membership.
- Affiliate sign-up fee
- Your first $49.99 payment is your affiliate sign-up fee. Your first sign-up includes your first month of monthly membership and member pricing (a renewal does not). You renew the $49.99 yourself each year; it does not renew automatically. If your affiliate year ends, you have 30 days to renew: shares that would have been yours in those 30 days are held and paid if you renew in time, and kept by CollectDirect if you do not. Part of your enrollment is shared as Fast Start with your enroller and upline.
- Monthly membership
- The affiliate’s $10 a month, after the first month included with the first affiliate sign-up. There is no cure period for it: shares that would have been yours while it is not current are kept by CollectDirect. It keeps business tools, member pricing and eligibility for commissions. An affiliate needs no separate Membership. From your second month, part of each payment is paid to the affiliates above you in the matrix.
- Payment confirmed
- We have checked that the payment went through. Opening or returning from a payment form alone does not confirm payment.
- Affiliate
- Someone with a current $49.99/year affiliate sign-up fee and a $10 monthly membership. Both must be current to earn. Buying cards is optional.
- 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. Your own Retail Customers’ orders count toward the influencer bonus. A Retail Customer cannot earn or hold a matrix position, and you never count as your own Retail Customer.
- Enroller
- The affiliate whose link a new member joined through. Also called the referrer when the buyer is a Retail Customer. You are the enroller of everyone you personally enroll.
- Upline
- Your enroller, their enroller, and so on up the line. Level 2 of the level table is your enroller’s enroller.
- Business paused
- When your affiliate sign-up fee or monthly membership lapses, new business earnings and rank progress pause. Valid commissions earned before the pause stay recorded and can still be paid after payout checks. Refunds and bank reversals may still reduce those earnings.
- Commission
- Your recorded share of a payment or a sale. Recorded or pending amounts are not payment.
- Level table
- Fast Start, the retail commission and the customer acquisition bonus are each shared through one 10-level table: 50% to the enroller or referrer at level 1, then 10/5/5/3/2/2/1/1/1% at levels 2–10. In Fast Start the enroller receives $5.00 on a first Membership month and a flat $20.00 on an affiliate sign-up. Deeper levels open at higher pay tiers.
- Fast Start
- Two first-time components, each paid once per person. A new member’s first $10 Membership month pays their direct sponsor $5.00, and the upline through the level table. The affiliate sign-up pays the direct sponsor $20.00, and the upline through the level table. A direct $49.99 affiliate sign-up includes both: $25.00 to the sponsor. A shopper who joined the Membership first and later becomes an affiliate triggers only the affiliate component ($20.00), never a second membership component. It pays you only in a month you have the monthly active base. It is settled at month end and paid after its 90-day hold from the enrollment, and a refund or chargeback reverses every level.
- Matrix
- Each affiliate holds one position in a company-wide 2×15 chart, created when their $49.99 affiliate sign-up is complete. 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. Each affiliate’s $10 monthly membership payment below you pays 2.5% ($0.25) per level, from that member’s second month, down to your pay tier’s depth, in a month you have the monthly active base. Example, not typical earnings: 14 paying people on your first three levels, in a month you have the active base, pay you 14 × $0.25 = $3.50.
- Spillover
- People placed below you in the matrix by someone above you. The chart fills each level’s left positions first, then its right positions.
- Matching bonus
- A match on the matrix earnings of people you enrolled: 50% on everyone you personally enroll (all pay tiers), plus more generations from Silver up. The percentages add up. It needs your business active at month end and the monthly active base. It does not reduce what they earn.
- Generation
- Used by the matching bonus. Counted down each leg: a generation ends at, and includes, the next member at or above the rank being counted.
- Influencer bonus
- An extra share of the price difference on your own Retail Customers’ orders, in a month your personal retail sales reach $2,500 or more. It does not depend on rank. 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.
- Retail–member difference
- The gap between a card’s retail price (the nonmember price) and its member price. The retail commission applies to cards with a published retail price and shares the difference when a Retail Customer you referred buys at the nonmember price. For example, a regular card that is $12.00 for members and $20.95 at the nonmember price leaves $8.95, and the referrer’s 50% is $4.47 (rounded down). Examples explain the mechanics; they are not typical earnings.
- Customer acquisition bonus
- A share of a sponsored member’s first card order, paid through the level table, once per household. It is held 14 days.
- Leadership pools
- Two monthly pools funded from all company revenue, including sign-up and membership fees: one split evenly among qualified Diamond through Black Diamond members, and one among qualified Crown Diamonds.
- No compression
- A share for an inactive, unqualified or vacant position is never passed to anyone else. CollectDirect retains it.
- Payout
- Money sent to you from your earnings. An earning shown in your account is not the same as money sent. Payouts are not active yet.
- Active member
- Someone whose paid $10 membership period covers at least one day of the calendar month (America/Chicago): the Membership for a shopper, or the monthly membership for an affiliate, including the month a first affiliate sign-up includes. A free account, or a membership that ended before the month began, does not count. We check the payment before counting them. Buying a card is separate.
- Monthly active base
- Each calendar month, at least 2 people you personally enrolled whose $10 membership is active that month. It is required for every rank and for Fast Start, the matrix and the matching bonus, even if you are unranked. In a month you have fewer, those pay you nothing and CollectDirect keeps the shares.
- Team (active members)
- Everyone you personally enrolled, plus everyone they enrolled, at every depth. For ranks, only active members that month count, and you do not count yourself. Placement in the matrix alone adds no one.
- Leg
- One person you personally enrolled plus everyone below them in your enroller tree. Some ranks need legs that contain a leader at a set rank (the leader can be at any depth), or count no more than a set number of active members from any one leg.
- Rank and pay tier
- Ranks are qualified each calendar month on active members: people you personally enrolled and your whole team. The 12 ranks are grouped into six pay tiers. Your pay tier sets which levels of the shared level table you can earn from, your matrix depth (levels 1–12 when unranked, up to 1–15 at Diamond and above), how many matching generations you earn and which leadership pool you can share. The influencer bonus does not depend on rank. Highest-ever rank is recognition only. 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. Last month's matching bonus and pools are calculated on the 1st; shares for anyone still in a payment recovery are held until it resolves.
- Rank Grace
- 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.
