Terminology Guide
Plan status. This plan took effect on 26 September 2026, and earnings are recorded as they are earned. Payouts are not active yet, so no commissions are being paid out today. Earnings are not guaranteed.
- 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.
- 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. On a $49.99 affiliate sign-up the enroller’s Fast Start is a flat $25.00 instead. Deeper levels open at higher pay tiers.
- Fast Start
- When a new member pays, their enroller and upline share Fast Start through the level table. On a $49.99 affiliate sign-up the enroller receives a flat $25.00; a Membership’s $10 first month is shared 80% through the table. It is held 90 days, and a refund or chargeback reverses every level.
- Matrix
- Each affiliate holds one position in a company-wide 2×15 chart. Each $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. For example, 14 paying people on your first three levels pay you 14 × $0.25 for the month.
- 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, plus more generations from Silver up. 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.
- Retail–member difference
- The gap between a card’s retail 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 retail. For example, a card that is $16 for members and $24 at retail leaves $8, and the referrer’s 50% is $4. Examples explain the mechanics; they are not typical earnings.
- Customer acquisition bonus
- A share of a newly enrolled member’s first card order, paid through the level table, once per household.
- Leadership pools
- Two monthly pools funded from company revenue: 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 $10 monthly payment is current: the Membership for a shopper, or the monthly membership for an affiliate. We check the payment before counting them. Buying a card is separate.
- Your team
- People who joined through you, plus people who joined through them. You do not count yourself.
- Team branch (leg)
- One person you personally enrolled starts a branch, also called a leg. That person and the people who join through them belong to that leg.
- Retail Customer
- A person who is not in the business, buying cards for their own use through your link. They cannot earn, hold a matrix position or reach a rank. Free-account and Membership customers can count. You never count as your own Retail Customer.
- Personally Enrolled Retail Volume
- What your own Retail Customers pay for cards in the month, after discounts and refunds, without tax, shipping or any fee. Only approved Card of the Month products count.
- Enroller Tree Retail Volume
- Eligible retail sales to Retail Customers across your whole enroller organization, at every depth, with no cap on any leg. Spillover placement alone adds none.
- Monthly retail base
- Each calendar month, at least 2 distinct Retail Customers and $100 of Personally Enrolled Retail Volume. It is required for every paid rank and for Fast Start, Matrix and Matching bonus, even if you are unranked.
- Qualified Leg
- A branch that starts with someone you personally enrolled and has at least one leader who fully meets the needed rank that month. Each leg and each leader counts toward only one requirement.
- Rank and pay tier
- Ranks are qualified each calendar month on Enroller Tree Retail Volume and Qualified Legs. 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.
- Rank Grace
- If you miss a paid rank’s Enroller Tree Retail Volume or qualified-leg goals, Rank Grace keeps that rank for the next two monthly periods. It never waives the monthly retail base.
- Enroller organization
- People you personally enrolled, plus the people they enrolled, at every depth. Enroller Tree Retail Volume and qualified legs follow this enroller tree. You do not count yourself.
- Placement chart
- The matrix is a separate chart of positions. New affiliates are placed automatically below their enroller, filling each level's left positions first and then its right positions. Each position has room for two below it. A level is one row. The chart can go deeper than 15 levels, but pay stops at level 15.
- Two different views
- A place in the chart is not proof that someone counts toward a rank or earns money. Ranks follow the enroller organization; matrix shares follow placement; the matching bonus follows who enrolled whom. To qualify for a rank, your own annual affiliate sign-up fee and monthly membership must both be current and checked.
- Pending
- The record is waiting for a check or another step. It does not mean money has been sent.
- Approved
- The earnings passed a review. Other payout checks may still be needed. Approval does not set a payment date.
- Hold
- A pause on payment processing while a required check or issue is handled. Fast Start is held 90 days, through the enrollment refund window.
- Recovery
- Taking back commission linked to a refund or a payment reversed by a bank. If it was already paid, the amount is taken from future commissions. We never automatically debit your bank account or card.
- Gross and net
- Gross is the amount before deductions. Net is the amount left after deductions. Open a payout record to see its status and payment details.
How the plan pays, in plain words.
There are seven ways to earn. Three pay for building a team, three pay on card sales, and one shares company revenue with the top ranks.
Paid only for a month you meet the retail base, and held 90 days first. Payouts are not active yet. Earnings are not guaranteed.
This plan took effect on 26 September 2026, and earnings are recorded as they are earned. Payouts are not active yet, so no commissions are being paid out today. Earnings are not guaranteed.
The short version
- What you pay. $49.99 a year for your affiliate sign-up fee, which includes your first month, then the $10 monthly membership.
- 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 Retail Customers who together buy $100 of cards through you. In a month you miss it, those three pay you nothing and CollectDirect keeps the shares.
- Pay for building a team. Fast Start when someone you enroll joins, 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).
- Pay on card sales. A share of the price difference when retail customers you referred buy cards, a bonus on a new member’s first order, and an extra share for high retail sales.
- Ranks. Your rank is set each month by your team’s retail sales and qualified legs. 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.
The seven ways to earn
| # | Stream | Pays on | Funded by | When |
|---|---|---|---|---|
| 1 | Fast Start | Each new member’s $49.99 affiliate sign-up, or a Membership’s $10 first month, 10 levels by rank | Enrollment and first-month fees | Weekly |
| 2 | Matrix | Every $10 monthly membership payment below you in a 2×15 tree, from that member’s second month | Monthly subscriptions | Monthly |
| 3 | Matching bonus | A share of the matrix earnings of people you enrolled, up to 5 generations | Monthly subscriptions, through the matrix | Monthly |
| 4 | Retail commission | The retail–member price difference on cards bought by retail customers you referred, 10 levels by rank | Card sales to retail customers | Weekly |
| 5 | Customer acquisition bonus | A newly enrolled member’s first card order, 10 levels by rank | Member card purchases | Weekly |
| 6 | Influencer bonus | An extra share of the price difference on your own retail customers’ orders | Card sales to retail customers | Monthly |
| 7 | Leadership pools | A share of company revenue, split evenly among qualified top ranks | Company revenue | Monthly |
Keep your business current
Plan requirements—not a check of your account status.
- Required
Affiliate sign-up fee
$49.99 / year
- Required
Monthly membership
$10 / month after your included first month
- For Fast Start, Matrix and Matching bonus
Monthly retail base
2 Retail Customers and $100 Personally Enrolled Retail Volume in the month
To earn anything, you need both a current $49.99/year affiliate sign-up fee and a paid $10 monthly membership. Fast Start, Matrix and Matching bonus also pay nothing in a month without the retail base. Shares missed that way are kept by CollectDirect and are not paid in a later month. Your first $49.99 affiliate sign-up includes your first month of monthly membership.
- Retail Customer
- Someone who is not in the business and buys cards for their own use through your link. A free-account shopper or a Membership shopper can count. You never count as your own Retail Customer.
- Personally Enrolled Retail Volume
- What your Retail Customers pay for approved Card of the Month cards in the month, after discounts and refunds, without tax, shipping or any fee.
- Monthly retail base
- At least 2 Retail Customers and $100 of Personally Enrolled Retail Volume in the same calendar month. It is also needed for every paid rank.
How Fast Start, retail and acquisition shares are split
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.
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. On a $49.99 affiliate sign-up, level 1’s Fast Start is a flat $25 instead of 50%.
| Level | Unranked | Bronze | Silver | Gold | Platinum–Emerald | Diamond+ |
|---|---|---|---|---|---|---|
| 1 (enroller) | 50% | 50% | 50% | 50% | 50% | 50% |
| 2 | — | 10% | 10% | 10% | 10% | 10% |
| 3 | — | — | 5% | 5% | 5% | 5% |
| 4 | — | — | 5% | 5% | 5% | 5% |
| 5 | — | — | — | 3% | 3% | 3% |
| 6 | — | — | — | 2% | 2% | 2% |
| 7 | — | — | — | — | 2% | 2% |
| 8 | — | — | — | — | 1% | 1% |
| 9 | — | — | — | — | — | 1% |
| 10 | — | — | — | — | — | 1% |
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.
Fast Start
When a new member pays, their upline shares Fast Start through the level table. On a $49.99 affiliate sign-up the enroller receives a flat $25, and levels 2–10 share up to 30% of the enrollment by rank. A Membership’s $10 first month is shared 80% through the table, 50% of it to the enroller.
Example, not typical earnings. You personally enroll 2 new affiliates in a month you meet the retail base. You earn 2 × $25 = $50, payable once the 90-day hold ends. In a month you miss the retail base, the same enrollments pay you nothing.
Fast Start is held for 90 days, through the enrollment refund window. Renewals, later monthly payments, cancellations and rejoining create no new Fast Start. A refund or chargeback reverses every level.
The 2×15 matrix
When you become an affiliate, you are given your own position in the 2×15 matrix, one company-wide chart that every affiliate is placed in. New affiliates are placed below the positions already in their enroller's part of the matrix, so earlier positions sit higher. 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. Spillover fills all the left positions on a level first, then all the right positions, so more people on a level receive spillover sooner. Each $10 monthly membership payment below you pays 2.5% ($0.25) per level, starting from that member’s second month. The first month pays Fast Start instead.
| Pay tier | Matrix levels |
|---|---|
| Unranked | 1–12 |
| Bronze | 1–13 |
| Silver | 1–13 |
| Gold | 1–14 |
| Platinum–Emerald | 1–14 |
| Diamond+ | 1–15 |
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. You met the retail base, so you earn 14 × $0.25 = $3.50 for the month. If you miss the retail 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.
Matching bonus
- Everyone. You match 50% of the matrix commissions of everyone you personally enroll, wherever they sit in the matrix. The match is paid in addition; it does not reduce what they earn.
- 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.
- 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.
- 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.
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 retail base.
| Rank | Gen 1 | Gen 2 | Gen 3 | Gen 4 | Gen 5 |
|---|---|---|---|---|---|
| Personally enrolled | 50% | — | — | — | — |
| Silver | 10% | 10% | — | — | — |
| Gold | 5% | 5% | 5% | — | — |
| Platinum–Emerald | 5% | 5% | 5% | 5% | — |
| Diamond+ | 3% | 3% | 3% | 3% | 3% |
Retail, acquisition and influencer pay
4. Retail commission (weekly)
Cards have a member price and a retail price. When a retail customer you referred buys at the retail price, the difference is shared through the level table: 50% to you as the referrer, then the upline by rank. For example, with made-up prices, a card that is $16 for members and $24 at retail has an $8 difference, which gives the referrer $4. It applies to cards with a published retail price.
5. Customer acquisition bonus (weekly)
When a member you enrolled places their first card order, 10% of that order, on up to $300 of product, is shared through the level table. Once per household.
6. Influencer bonus (monthly)
Members 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 | Extra share | Total on your own retail customers* |
|---|---|---|
| $2,500 or more | 10% | 60% |
| $5,000 or more | 20% | 70% |
| $10,000 or more | 30% | 80% |
| $25,000 or more | 40% | 90% |
| $50,000 or more | 50% | 100% |
*Your 50% referrer share plus the extra share, on orders from retail customers you referred, in a month you meet the requirements.
One card. The referrer’s example share.
A retail customer you referred pays the card’s retail price. The difference between the retail and member prices is shared through the level table, and the referrer’s share is 50%. This is a single-card example, not your earnings.
Use amounts from $0 to $100,000, with up to two decimal places.
($24.00 − $16.00) × 50% = $4.00
Assumes the buyer is a retail customer you referred and you meet the earning requirements. Rounded down to whole cents. Cards need a published retail price before this can apply. Refunds can reduce this amount. Earnings are not guaranteed.
Leadership pools
Two monthly pools share a slice of company revenue, split evenly among everyone qualified at those ranks that month.
Diamond pool
2% of revenue, split among qualified Diamond through Black Diamond members
Crown Diamond pool
0.5% of revenue, split among qualified Crown Diamond members
A pool nobody qualifies for, and any cents left over from the even split, are kept by CollectDirect.
The 12 ranks, grouped into six pay tiers
| Pay tier | Ranks |
|---|---|
| Unranked | No rank yet |
| Bronze | Bronze |
| Silver | Silver |
| Gold | Gold |
| Platinum–Emerald | Platinum, Ruby, Emerald |
| Diamond+ | Diamond, Double Diamond, Triple Diamond, Blue Diamond, Black Diamond, Crown Diamond |
Ranks are qualified each calendar month on Enroller Tree Retail Volume and Qualified Legs, plus the monthly retail base. See every rank’s requirements →
Rules that protect the plan
- No Fast Start, matrix or matching pay in a month without the retail base of 2 Retail Customers and $100 Personally Enrolled Retail Volume.
- A 90-day hold on Fast Start. Refunds and chargebacks reverse the pay at every level.
- One position per person and household. No buying positions, and no enrolling yourself.
- Unqualified shares are kept by CollectDirect. They are never passed to anyone else.
Payouts have a separate review
Commission recorded
A qualifying payment or sale creates a pending record. Holds apply, and refunds or reversed payments can reduce it.
Payout checks
Before your first payout: identity verification, tax information and a verified payout destination.
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; Fast Start is paid in the first weekly run after its 90-day hold ends. 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.
- 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.
- An income disclosure will be published once the plan has a full year of earnings to report.
Ready to decide?
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