is planpromatrix a scam review headerIf you are looking for a way to make money online, it is very likely you have heard about PlanProMatrix as thousands of people online post about how good an option it is.

But is PlanProMatrix a scam or is it really as great as some testimonials say?

Let me just reveal right away that it is possible to make money as a member, BUT this does not mean it is necessarily the right option for you.

In fact, there are a few red flags you need to know about before joining. This does not mean it cannot be worth it, but you just need to know exactly what you are getting into.

This PlanProMatrix review will give you all the details so you know exactly what to expect.

PlanProMatrix at a Glance
  • Training
  • Tools
  • Value for money
  • Income potential


There are some ways you can earn on PlanProMatrix. But you need to be aware that the main earning method is by recruiting others – and this is not easy to do if you want to earn significant money.

Most importantly, SEC is advising people to exercise caution and from their statement, I have shown in this review, it seems you can potentially get into trouble by recruiting others if you are not careful.

Therefore, it is not the best long-term solution to create a good online income, in my opinion. For these reasons, it is not an option I can recommend.

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What is PlanProMatrix and what does it offer?

Before we dive deeper into PlanProMatrix, let’s first discuss the nature of the company and the products and services it offers.

A click on its website reveals the following, and I quote: “PlanProMatrix, a growing online-affiliate business founded in 2013 that aims to provide a home-based income-generating platform to people.”

When you look online, there are many different opinions about the legitimacy of the company’s operations.

There are those who say that PlanProMatrix’s business model is bordering on being legit and illegal. There are also those who flatly accuse PlanProMatrix of engaging in a pyramiding scheme, therefore illegal.

On the other side of the fence are the vigorous defenders of the legality of the company’s activities. Obviously, many in this group have reaped the promised returns for their investment and efforts.

But let’s look at what you get access to as a member so you can see and judge for yourself.

Option 1 – E-loading business

One way to earn offered by PlanProMatrix is e-loading or electronic loading. It is a service intended for prepaid phone subscribers who need to top up or reload to be able to continue using the services of their provider.

The company’s e-loading business carries all networks operating in the Philippines.

At first glance, it offers easy, no-sweat income for its members. For one, you can do it anywhere; two, it does not require much effort, just a few seconds and a few clicks on your phone to undertake; and, again, all you need is the ubiquitous phone.

However, the issue here is this: Reloading business is such a saturated industry. Anyone who has a phone can either be a load dealer or retailer.

Yes, it can provide certain revenue, but not as much as everyone hopes for, certainly not the amounts displayed on Facebook, Instagram or YouTube. Besides being a saturated market, the profit margin is, to put it bluntly, chicken feed.

Hence, e-loading business, in my opinion, does not appeal to most people. It is possible to make a bit of extra money this way for you, but it will not be easy and fast money and you need to be aware of this.

Option 2 – Data entry jobs

Another possible source of income you can find on PlanProMatrix is data entry jobs, where you can download software to do typing jobs.

The work simply involves typing CAPTCHA. In case, you don’t know what CAPTCHA is, it is an acronym for Completely Automated Public Turing Test to Tell Computers and Humans Apart. Simply put, it is a test that websites use to prove that you are not a robot.

planpromatrix captcha

You can earn by doing captcha on PlanProMatrix.

You have very likely seen this on websites where you had to verify you are a human.

Again, on the surface, it appears as an attractive source of income that does not require much effort on your part, but anyone who knows the ins and outs of the business can attest to the fact that it cannot offer any meaningful revenue, unless maybe you are extraordinarily fast in solving and typing it.

Therefore, without going into details, it is the same as e-loading, maybe even worse, in terms of generating income. You at least need to know that even though it can make you some extra cash, it will NOT be a lot.

Option 3 – Refer people to the site

The third source of income on PlanProMatrix is advertising or referrals.

Strangely enough, there is not much info about this when you first come to the website. You have to scroll to the bottom of the page to see it just mentioned with a word.

planpromatrix referral info

You have to scroll all the way to the bottom to see info about referrals.

If you do not have much experience with making money online, this will not tell you a lot.

How it works is that when you become a member of PlanProMatrix, you automatically become an advertising agent of the company. Whatever they call it, it is, basically, pure and simple recruitment of more members.

This is where the opportunity to earn becomes interesting.

I will not go into all the details of the commission scheme here as it may take another article to delve into it. But just so you have an idea of how it works I will explain the most important points.

When you invite 2 people to join, you will earn around $7. For every 2 persons you, in general, invite you will earn this.

In addition to this, you will earn around $0.10 for each person that joins your downline in 10 levels – this means that every person that joins through an invitation from someone you invited in 10 levels, will earn you this.

These commissions are not huge but if you invite a lot of people, it can be some really nice money. And in some countries maybe even become a full-time income if you keep inviting people.

It seems this is where the bulk of the effort of the company and its members is focused on. This can be gleaned, for example, from the volume of posts on several social media sites and blogs of its members.

The whole system is built around the importance of inviting other members as you can see when you try to join, as I will explain below.

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How to join PlanProMatrix?

It is not so easy to join PlanProMatrix as you can only join through an invitation. This shows the focus the platform has on existing members recruiting new members.

planpromatrix joining button

You can only join by getting an invitation code.

You can only join if you find someone promoting PlanProMatrix and use their sponsor ID. This should, however, not be difficult as there are thousands of members promoting it online to try to make money like this.

You can join for free, but be aware that there will be a price to start using any of the earning methods.

It is not possible to find any information about this before joining, which is a bit strange, in my opinion. But I have been able to find out they have 3 membership options.

  • 600 PHP (~$12)
  • 800 PHP (~$18)
  • 1,200 PHP (~$24)

The reason the prices are in PHP is that the platform is based in the Philippines.

The majority of its members are also from the Philippines but you can join no matter where you live.

And the price of joining is quite low compared to many other earning options online. This does, however, not mean it will necessarily be worth it.

Before deciding that, I want to show you a couple of very important things you need to consider so you know exactly what you sign up for.

2 important things to consider BEFORE joining!

From the above, you can see that it is actually possible to earn money as a member of PlanProMatrix.

But before joining there are a couple of things you really need to consider to find out if it really is for you.

Consideration #1 – Limited earning potential

As you can see from this review, the e-loading business and data entry jobs are by no means stable and dependable sources of revenue. The earning potential for these jobs will be very limited, in my opinion.

It is safe to conclude that the focus of PlanProMatrix and its members is to recruit more members where the commission schemes are fairly attractive and varied.

However, one thing you need to know is that even though inviting members and earning commissions like this is a real way to make money online through what is called affiliate marketing, it is not as easy as it might sound like.

It is not as simple as just spreading your invite link all over social media – in fact, many social media and forums will block you if you do this.

So you need to be aware that it will take a lot of effort to be able to invite enough members to make significant money and to do it continuously.

In my opinion, the effort to learn to do this will likely be better spend on promoting other products online instead if you are willing to learn the skills to do this.

The main reason I am saying this is because of the next important thing you need to consider I will describe below.

Consideration #2 – You might get into trouble by recruiting for PlanProMatrix

Let me just start by saying that I am not a lawyer and do not give legal advice. If you need legal advice, you need to contact a local lawyer.

I am just going to share my findings with you as I found something about PlanProMatrix that really concerns me and something you really need to consider before joining.

As mentioned earlier, the company is located in the Philippines. Here there is something called Securities and Exchange Commissions.

It says on SEC’s website that PLANPROMATRIX ONLINE CO. is registered with the Commission as a partnership.

planpromatrix sec registration

PlanProMatrix is registered with the SEC as a partnership.

This means that the company is registered which is in itself a good thing. Just notice that it also says that this does NOT authorize the company to offer, solicit, sell or distribute any investment/securities.

When looking further into what SEC says about this, it becomes worrying.

planpromatrix sec warning

If you recruit through the internet you may be held criminally liable according to SEC’s website.

If you cannot see what it says in the image above, it says that those who act as salesman, brokers, dealers or agents of PLANPROMATRIX ONLINE CO. in selling or convincing people to invest in the investment scheme being offered can be held criminally liable.

This included solicitations or recruitment through the internet.

They further say “Accordingly, those who invite or recruit other people to join or invest in this venture or offer contracts or securities to the public may be held liable or accordingly sanctioned or penalized“.

You are even directly advised to exercise caution:

planpromatrix sec warning 2

You are directly advised to exercise caution.

For me, this is a big warning sign.

From what I understand, it definitely shows that you should be careful about recruiting others. This is something that is very important to know as recruiting others is a big part of how you can make money on PlanProMatrix.

Final verdict

At first, PlanProMatrix can seem like an appealing way to make money online.

It does have some potential but there are also some important things you need to consider before signing up.

So let’s finish this review by summing up the pros and cons so you can get a better overview before deciding to join or not.


  • You can potentially earn as a member
  • It is cheap to join


  • Most earning options will not make you a lot
  • No info about prices, etc. before you join
  • You can only join through invitation
  • SEC advises people to exercise caution

Overall, there are some ways you can earn on PlanProMatrix. But you need to be aware that the main earning method is by recruiting others – and this is not easy to do if you want to earn significant money.

Most importantly, SEC is advising people to exercise caution and from their statement, I have shown above, it seems you can potentially get into trouble by recruiting others if you are not careful.

For these reasons, it is not an option I can recommend.

I simply think it is a more long-term solution to spend your time and money learning the skills to build a real online business where you are in charge yourself.


If you have any comments, questions, or have any experiences with PlanProMatrix yourself, I would love to hear from you in a comment below.

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