Is Payday Shortcut a Scam? Here’s What it Really is.

paydays shortcut homepage screenshotQuick Report:

Name: Payday Shortcuts by Travis Clarkson & David Livingston

Price: $49.95

Final Rating: 2 out of 10 stars (Red flag. Not recommended)

I stumbled onto Payday Shortcuts after doing a review on a program called Home Online Institute which I also didn’t rate favorably and that’s because they are connected. But is it a scam? 

Here’s what you need to know:

On the scam question, the answer is yes in my opinion and that’s because I believe there is very misrepresented advertising going on from Payday Shortcuts. It gets you to buy a program called Home Online Institute which then connects you to a MLM program called Vemma.

Now because I haven’t tried nor investigated Vemma, I can’t say if it’s a scam or not. Based on the basic research I’ve done, the program itself is legit, but it is an MLM and that’s more than enough for me to advise staying away from it simply because I do not like any MLM program and feel they are not wise investments.

But back to the scam question. When I checked out Home Online Income, I said it looked like an affiliate site aiming to get people to join Vemma. I believed (and still do) that the site is just designed to get as many people to buy into the program and promote the MLM so the owner of Home Online Income builds a downline. The more people he/she/they can build, the more money they can make.

In Payday Shortcut’s case, I believe the same thing applies. But to be more specific…

Here’s 5 reasons I cannot recommend Payday Shortcut:

1. The sales page. I’ve seen some cheesy sales pages in my time, but this one is easily in the top 3. Like with most sales pages I come across, there is little/no information on what you’re actually getting involved with or buying. This is a VERY serious red flag in my book, so whenever I encounter this, I only keep going if they don’t ask for my CC or any personal info. Luckily in this case, they only wanted my email and name. I entered some old email I didn’t care about.

Upon signing up, I was pitched an idea about making money by “partnering up” with other people. Partnering up is code word for MLM so be very careful if you ever see/hear it. 

But besides those things, I’ve never seen someone try to use such a sob story to get me to try to buy. I mean seriously, the guy who narrated the video sale’s page gets into a story about how he lost just about everything, how miserable he was, ect…

They even added sad music to enhance the effect. I was seriously disgusted because even if the stories the person says are true, I believe that it’s REALLY pathetic to try and use this angle as a sale’s pitch, never mind having to listen to the whole video and see testimonials which I strongly believe are fake. 

2. It’s NOT free to join. If you enter t he main Payday Shortcut page, at the very top, in bold letters, here’s what you’ll see:

payday shortcut top

When I see something that says free, I assume I’ll be given information for…well…free. However this is NOT the case with Payday Shortcuts. After signing up, you enter yet another sale’s page with another video you’ll have to watch (it’s more of the same).

Then and only then do you get the offer to buy the program. It’s $49.95 and here’s where the connection to Home Online Institute was made. You’re taken to a sale’s page which let’s you pay to get a membership with the company.

I saw the same exact check out when I did my review of Online Home Institute so I think it’s safe to assume these 2 programs are associated with one another.

3. The “As Seen on” claims. On the main page of Payday Shortcut, there is a section at the bottom where you have the as seen on logo and it shows TV networks. This method of marketing has and is constantly used by many websites and it’s VERY deceptive because in this particular case the disclaimer (I’ll explain in a moment) says that those networks do NOT endorse it. 

You see what sites like this do is they sometimes put up a video or are affiliated with a program that puts up a video of a news report from a big name company saying how people are making money from home. But never is this report directly associated with the program itself. But a false connection is made by a lot of people who think the report is associated with the program.

4. Their disclaimer flip flops like crazy and thus I simply can’t trust it. Seriously, have a laugh:

payday shortcut disclaimer

Just in case the text is small, let me quickly summarize just how ridiculous this is:

  • First there is the part where they say they aren’t endorsed or affiliated with the big name networks they put on the page even though they put the “As seen on” logo at the top. 
  • Then they say how everyone featured in their videos in terms of testimonials are “REAL” and “Verified”. It made me think they were all genuine people. Then I read that in some cases, actors have been used. Does this nullify the “Real” person claim? I think it flip flops. 
  • And of course there’s the “results vary” type of disclaimer which is standard at the end.

5. The MLM connection. I personally do not like MLM programs, even the legit ones. But that’s me and the programs in this case, called Vemma is decent by my standards. But even in the best cases, I have yet to see a large number of people succeed/make good money in it. 

Tired of MLMs and deceptive marketing practices? Here’s a REAL opportunity.



  • The MLM Payday Shortcuts links to is an ok company.


  • Payday Shortcuts uses in my opinion deceptive marketing tactics that I indicated above. 
  • This is not really a shortcut. You’re just getting yourself involved with an MLM.

Final Rating: Payday Shortcuts

2 stars

Red Flag (Not recommended)

2 out of 10 stars. I can’t stand deceptive advertising and I don’t believe in MLM. I don’t recommend this program. See my #1 recommendation which is NOT an MLM.

My final thoughts:

This isn’t the first time I’ve reviewed an “opportunity” which then turned out to be just another affiliate type program trying to me into an MLM program. And in every instance, I always rated those programs with red flags. 

I don’t like deceptive marketing practices such as sob stories, impressions of easy money, giving people the impression there is endorsements by big name networks and potentially using fake actors to give testimonials. 

Even though it’s my opinion that Paydays Shortcuts uses these tactics, you’re certainly free to decide on your own. I will personally be staying away from this program and to anyone who asks me about it, will advise the same.

There are real opportunities in the online world and being able to work from home, but I don’t believe you’ll get what you want from places like Paydays Shortcut.

If you have a personal story about this program you’d like to share, please let me know!



honest review


  1. Rou

    If payday shortcut is related to vemma, then I HIGHLY suggest you stay away from it! I tried it, but there are so many upsells its just frrakin’ ridiculous! Plus, YOU have to train people in your downline. There is nothing free in it. Everything costs money and it is bad!! You even have to pay to watch webinars. Pure greed.

    • Vitaliy

      I can’t believe I haven’t reviewed Vemma yet Rou, but what I do know about it is based on another review I read from a trusted friend who understand these things even better than I do. He also said a lot of the same things you do.

      It is an MLM and it’s expected to train your downline so they make sales and the pyramid keeps going, but I’m surprised that they don’t provide you with their own training to provide the downline. It would actually make them more money. But I guess that’s the kind of stuff you’ll only find with their up-sells, which is very sad.

      Thank you for sharing.

  2. Xiomara Marable

    Thank you for your insight on this shortcut payday. I didn’t see the connection. It was my intention to join, but I couldn’t. The only reason why I didn’t was because I didn’t have the money at the time.


    • Martin

      I sent an email to their support and email was returned with message: The domain name of the email address is not valid. More BS and lies . . .

      • Vitaliy

        It’s probably no longer in service Martin. That or they just put up a support email to make people think it exists but just ignore messages.

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