Is Instant Payday Network a Scam? My Honest Review.

instant payday network review: what happens when you sign upIt’s difficult to find an honest review of Instant Payday Network and if it’s really a scam or not, but this is one of the only places where you’ll actually get it. If you’ve been reading my blog for sometime, you know how extremely skeptical and critical I am of programs which promise quick money.

With so many places promising big, but delivering zilch, now more than ever you need to be alert and do proper research before making a final decision on these programs and this is one of the sites that does provide an honest insight. In fact if you look at most of my product reviews, I put them into the “Avoid these places” section.

So did Instant Payday Network land there? The answer is yes and I’ll explain exactly why…

What is Instant Payday Network?

I believe it’s one HUGE referral site where the owner, Jeff Buchanan gets people to join a number of different places and gets money as a result if they sign up or invest money. Now the places you or his referrals join will actually pay you money for 2 things:

  • Testing out certain products for Fortune 500 companies.
  • Refer others into the same programs Jeff asked you to sign up to and get paid.

In other words, what Jeff gets you to do is what you’ll be essentially doing to make money: He refers you to these companies. instant payday referal offersYou’ll have to refer others into it.

From what I’ve heard based on extensive research is that you won’t get paid much for testing out the products and it’s certainly NOT a sustainable way to make money so in order to make anything out of this program, you’ll have to basically refer people into it. That’s where the real money is at (see image to the right), though I personally find it an illegitimate approach and here’s why…

While I can’t vouch for all of the products Jeff asks you to sign up to, one instantly caught my attention: Empower Network. This program is one of the worst rated products on this website.

There are many who love it, but a growing number who don’t. I personally believe this program to be a massive pyramid scheme.EN Though I won’t get into details and you can find them on my official Empower Network review page, what you need to know is that this program provides a lot of smoke and mirrors to get you to sign up and then funnels you through a massive upsell tsunami to the tune of $5,000+.

In order to make money through this program (which promises 100% commissions), you need to actually purchase some/all of the expensive products there which total to the $5,000. You do get video training on how to promote the program to others, but aside from that, pretty much nothing else.

Then and only then can you make the 100% commissions. This is why I label is a pyramid scheme. In fact, less than 1% of all it’s members actually make a profit with this program. I know I said I wouldn’t get into details, but believe me, it’s pretty ridiculous once you start uncovering this program.

That’s actually one of the 4 Steps Jeff funnels you through. Empower Network is the last one (Step 4), but the others I want to go over and explain the reality of making money with them…

The first 2 programs (steps) Jeff asks you to sign up to…

Are basically signs up to the Fortune 500 companies. With all the popularity of Instant Payday Network, people are flocking to the step 1, 2site, signing up to these programs and Jeff is making a killing through this because they are his referrals.

Using a special keyword tool, I saw that over 4,000 people are looking up the phrase “Instant Payday Network” every month.

Just imagine how many of those people visiting the site sign up. In fact on the second step sign up, Jeff asks you to make sure his referral ID is properly shown.

For each sign up, you can make about $20-$40. Now multiple that by 100’s and even 1,000’s and it would explain where Jeff got all his checks he shows off on his site. Now you know!

While I don’t mind being referred somewhere, I want to be absolutely sure what I’m buying is:

  • Legitimate. 
  •  I’m getting something for my money.
  • There’s no shady up-sells.
  • If I’m told 1 thing, it better be that and NOT something I have to pay extra for.

In the case of these 2 products, you do legitimately test out products for Fortune 500 companies. But there are cons (below).

The 3rd Step:

This is basically a training guide on how to promote:

Instant Payday Network to others. As far as I know they have their own affiliate program which would explain why so many websites are “praising it”. Be careful.


  • You can make money with this program.
  • Jeff’s sale’s page is pretty upfront about his program (Though he doesn’t get into the nitty gritty like this review).


  • Odds of making a sustainable income through the Fortune 500 companies not likely for most people.
  • Odds of refering others into the Fortune 500 companies, Instant Payday Network, Empower Network also unlikely if you don’t possess online marketing experience. Unless you want to lose friends by referring them to this stuff, I wouldn’t recommend trying it.
  • Promotes Empower Network, a program I consider a pyramid scheme for these reasons.
  • You’ll be receiving a lot of promotional emails from Jeff and companies you signed up for. 

Final Rating: Instant Payday Network

2 stars

2 Out of 10 Stars: Just a massive referral funnel site. No actual product (just training to refer others). You can make money, but I consider it illegitimate and I recommend staying FAR away from Empower Network. See #1 ranked program.

Final Thoughts: Is Instant Payday Network really worth exploring?

I would be VERY careful with this kind of stuff. Even if you just want to try the Fortune 500 companies and test their products, you’re likely going to be emailed a lot and the products you try won’t likely lead to high payouts (at least from what I’ve heard). Even though I’ve never tried this kind of stuff, it feels something like paid survey sites, which in my experience didn’t yield a lot of success.

My personal opinion is that this is just a major referral site. Jeff has created a buzz with the words “Instant” & “Payday”, but in reality just made a site that doesn’t really sell any product, just refers people to other places for which Jeff will make money on.

As I said before I can’t speak for the Fortune 500 companies, but the fact that he recommends Empower Network is a MAJOR red flag to me. I rated this product low because:

  • I don’t believe this is a sustainable and honest way to make money online. This is.
  • I believe referring people into the same system will yield the same results for them as it does for you.
  • Would you feel comfortable if someone were referring you here? If not, why would you want to refer anyone else there too?

Most people who get into this business, even with Jeff’s training will not be able to refer a lot of people (if any) into the system. Thus the lack of sustainable income argument. I’ve seen it time and time again. People pay to promote something, but because they don’t really know how, they will be lucky to even get 1 person there and that person will likely not be happy either…

In the end the choice is yours. But in all honesty, if you’re looking to start an online business or make extra money online, Instant Payday Network is not what I would recommend. If you have questions or want to prove me wrong on this, by all means, I’d love to hear your thoughts on this.







honest review


  1. Pauric Mather

    Thank you for this outstanding review. It was so easy to follow, so well illustrated, and informative. I look forward to more of this when I visit your site.

  2. Harris Goonetilleke

    Great review! Thanks for letting me know about instant pay day ! Some sites are hard to tell whether they are scams or not. They look so good and sound so good!

    • Vitaliy

      In my experience, the websites that look best usually are the worst Harris. There’s a rule of thumb I follow when it comes to identifying online scams and the most obvious is: If it looks too good to be true, it usually is. Unfortunately this is a lesson I had to learn the hard way several times in my 8+ years in this field.

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