**Best Forex Cashback Programs in 2025: How to Choose the Right One for Your Trading Style**

Introduction
In the fast-evolving world of forex trading, every pip saved can translate into significant long-term profits—and that’s where forex cashback programs come into play. As we step into 2025, these programs have transformed from simple rebate schemes into sophisticated, AI-driven incentives tailored to different trading styles, from high-frequency scalping to long-term position trading. Whether you’re chasing forex rebates to offset spreads or leveraging FX cashback to boost your crypto-forex portfolio, choosing the right program now requires a strategic approach. This guide breaks down the best forex trading cashback offers, how they align with your strategy, and the hidden pitfalls to avoid—ensuring you maximize returns in an increasingly competitive market.

1. Understanding Forex Cashback Programs in 2025

Forex cashback programs have become an essential tool for traders looking to maximize their profitability by recovering a portion of their trading costs. As the forex market evolves in 2025, these programs are more sophisticated, offering tailored benefits to suit different trading styles. This section provides a comprehensive breakdown of how forex cashback programs work, their advantages, and what traders should consider when choosing one.

What Are Forex Cashback Programs?

Forex cashback programs are incentive schemes where traders receive a rebate on the spreads or commissions paid on their trades. These rebates are typically a fixed amount per lot traded or a percentage of the transaction cost. Cashback is paid by brokers, affiliate platforms, or third-party providers as a way to attract and retain traders.
In 2025, cashback programs have expanded beyond simple rebates, incorporating AI-driven analytics, tiered reward structures, and even cryptocurrency payouts. The best forex cashback programs now integrate seamlessly with trading platforms, offering real-time tracking and instant withdrawals.

How Do Forex Cashback Programs Work?

1. Broker-Integrated Cashback – Some brokers offer in-house cashback programs where traders automatically receive rebates based on their trading volume.
2. Third-Party Cashback Providers – Independent platforms partner with multiple brokers to offer cashback, often at higher rates than broker-specific programs.
3. Affiliate-Linked Cashback – Traders sign up through an affiliate link, and the affiliate shares a portion of their commission with the trader as cashback.
Example: A trader executing 10 standard lots per month with a $3 cashback per lot could earn $30 monthly, reducing their overall trading costs significantly.

Types of Forex Cashback Programs in 2025

1. Fixed Cashback per Lot

• Traders receive a predetermined rebate (e.g., $5 per lot) regardless of market conditions.
• Best for high-volume traders who execute large orders.

### 2. Percentage-Based Cashback

• Rebates are calculated as a percentage of the spread or commission (e.g., 10% of the spread).
• Ideal for traders using brokers with variable spreads.

### 3. Tiered Cashback Programs

• Rewards increase with trading volume (e.g., $2/lot for 1-50 lots, $3/lot for 51-100 lots).
• Encourages consistent trading activity.

### 4. Cryptocurrency Cashback

• Some programs offer rebates in Bitcoin, Ethereum, or stablecoins.
• Appeals to crypto-savvy traders looking for alternative payout methods.

## Why Use Forex Cashback Programs in 2025?

1. Reduced Trading Costs

Forex trading involves spreads, commissions, and overnight fees. Cashback programs help offset these expenses, improving net profitability.

2. Passive Income Stream

Even losing trades can generate cashback, making it a risk-mitigation tool.

3. Enhanced Broker Transparency

Cashback providers often disclose broker markups, helping traders choose the most cost-effective brokers.

4. Flexibility Across Trading Styles

• Scalpers & High-Frequency Traders – Benefit from per-lot cashback due to high trade volumes.
• Swing Traders – Percentage-based cashback works well with larger spreads.
• Algorithmic Traders – Automated strategies can optimize cashback earnings.

## Key Considerations When Choosing a Forex Cashback Program

1. Payout Frequency & Methods

• Instant vs. monthly payouts.
• Payment options: bank transfer, e-wallets, or crypto.

### 2. Broker Compatibility

• Ensure the cashback provider supports your preferred broker.
• Some brokers restrict third-party cashback.

### 3. Rebate Structure & Fairness

• Compare fixed vs. percentage-based models.
• Watch for hidden conditions (e.g., minimum trade requirements).

### 4. Reputation & Reliability

• Check user reviews and industry reputation.
• Avoid providers with delayed or denied withdrawals.

### 5. Additional Perks

• Some programs offer bonuses, VIP tiers, or trading tools.

## Future Trends in Forex Cashback (2025 and Beyond)

• AI-Personalized Cashback – Machine learning tailors rebates based on individual trading behavior.
• Blockchain-Based Transparency – Smart contracts ensure automatic, tamper-proof payouts.
• Integration with Social Trading – Cashback for copy-trading activities.

## Conclusion
Understanding forex cashback programs in 2025 is crucial for traders aiming to optimize their profitability. These programs are no longer just about recovering costs—they are evolving into sophisticated tools that align with different trading strategies. By selecting the right cashback model, traders can significantly reduce expenses, earn passive income, and enhance their overall trading performance.
In the next section, we’ll explore the best forex cashback programs of 2025, comparing their features to help you make an informed choice.

2. Top 5 Forex Cashback Programs for 2025

Forex cashback programs have become an essential tool for traders looking to maximize their profitability by earning rebates on every trade. These programs help offset trading costs, making them particularly valuable for high-frequency and scalping traders. As we move into 2025, several forex cashback providers stand out due to their competitive rebate structures, reliability, and broker partnerships.
Below, we analyze the top 5 forex cashback programs for 2025, evaluating their key features, benefits, and suitability for different trading styles.
—

1. Cashback Forex

Best for: High-volume traders & scalpers

Overview:

Cashback Forex is one of the most established forex cashback programs, offering rebates across a vast network of brokers, including IC Markets, Pepperstone, and XM. The platform is known for its transparency and fast payouts.

Key Features:

• High Rebate Rates: Up to $8 per lot traded, depending on the broker.
• Wide Broker Coverage: Supports over 50+ forex brokers.
• Flexible Payouts: Weekly or monthly withdrawals via Skrill, Neteller, bank transfer, or cryptocurrency.
• No Minimum Volume Requirement: Ideal for traders of all levels.

### Why Choose Cashback Forex in 2025?
With consistently high rebates and a reputation for reliability, Cashback Forex remains a top choice for traders seeking maximum cost savings.
—

2. ForexRebates.com

Best for: Traders who prefer automated tracking

Overview:

ForexRebates.com is a trusted forex cashback provider that offers competitive rebates and an easy-to-use tracking system. It partners with leading brokers like FXTM, FxPro, and HotForex.

Key Features:

• Automated Rebate Tracking: Real-time reporting via MT4/MT5 plugins.
• High Rebate Potential: Up to $6 per lot (varies by broker).
• Multiple Payment Options: Includes PayPal, wire transfer, and Bitcoin.
• Bonus Offers: Additional incentives for new sign-ups.

### Why Choose ForexRebates.com in 2025?
Its seamless integration with trading platforms makes it an excellent option for traders who want hassle-free rebate tracking.
—

3. FXPig Rebates

Best for: ECN/STP broker traders

Overview:

FXPig specializes in offering forex cashback programs for traders using ECN and STP brokers, such as Tickmill and ThinkMarkets. It’s particularly popular among professional traders due to its deep liquidity partnerships.

Key Features:

• ECN-Focused Rebates: Higher payouts for raw spread accounts.
• Unlimited Earnings: No cap on monthly rebates.
• Fast Payouts: Processed within 48 hours.
• Dedicated Account Manager: Personalized support for high-volume traders.

### Why Choose FXPig in 2025?
If you trade on low-spread ECN brokers, FXPig provides some of the highest rebates in the industry.
—

4. ForexCashback.org

Best for: Beginner-friendly cashback

Overview:

ForexCashback.org is a user-friendly platform that simplifies forex rebates for new traders. It supports brokers like RoboForex, Exness, and OctaFX.

Key Features:

• Low Minimum Payout: As little as $10 for withdrawals.
• Educational Resources: Guides on maximizing cashback earnings.
• Transparent Reporting: Detailed trade history dashboard.
• Referral Program: Earn extra by inviting other traders.

### Why Choose ForexCashback.org in 2025?
Its simplicity and educational support make it ideal for traders new to forex cashback programs.
—

5. RebatesMe

Best for: Multi-asset traders (Forex, Stocks, Crypto)

Overview:

RebatesMe is a versatile cashback platform that extends beyond forex, offering rebates on CFDs, stocks, and cryptocurrencies. It works with brokers like IG, eToro, and Plus500.

Key Features:

• Multi-Asset Rebates: Earn on forex, indices, commodities, and crypto.
• Tiered Cashback System: Higher volumes = higher payouts.
• Instant Withdrawals: Via PayPal and crypto wallets.
• Advanced Analytics: Track performance across different markets.

### Why Choose RebatesMe in 2025?
If you diversify your trading across multiple asset classes, RebatesMe provides unmatched flexibility.
—

How to Choose the Best Forex Cashback Program in 2025

When selecting a forex cashback program, consider:

• Broker Compatibility: Ensure your preferred broker is supported.
• Rebate Structure: Fixed per-lot or percentage-based?
• Payout Frequency & Methods: Weekly, monthly, or instant?
• Additional Perks: Referral bonuses, educational tools, etc.

### Final Thoughts
The best forex cashback programs in 2025 cater to different trading styles—whether you’re a scalper, swing trader, or multi-asset investor. By leveraging these rebates, traders can significantly reduce costs and enhance profitability.
For maximum benefits, compare these programs based on your trading volume, preferred brokers, and payout preferences. Start earning cashback today and optimize your trading performance!
—

3. Matching Programs to Trading Styles

Choosing the right forex cashback program is not a one-size-fits-all decision. Traders have different strategies, frequencies, and risk tolerances, meaning the ideal cashback program should align with their trading style. In this section, we’ll explore how scalpers, day traders, swing traders, and long-term investors can optimize their cashback benefits based on their approach to the markets.

Understanding How Cashback Programs Work

Before matching programs to trading styles, it’s essential to understand how forex cashback programs function. These programs refund a portion of the spread or commission paid per trade, either as a fixed amount or a percentage. Some brokers offer cashback directly, while third-party providers aggregate rebates from multiple brokers.
Key factors to consider when selecting a cashback program:

• Rebate Structure (per-lot, percentage-based, or tiered)
• Payout Frequency (daily, weekly, monthly)
• Broker Compatibility (MT4/MT5, cTrader, proprietary platforms)
• Minimum Trade Requirements (some programs require a certain volume)

Now, let’s examine the best cashback setups for different trading styles.
—

1. Scalping and High-Frequency Trading (HFT)

Traits of Scalpers:

• Execute dozens to hundreds of trades per day
• Profit from small price movements
• Prefer ultra-low spreads and fast execution

Best Forex Cashback Programs for Scalpers:
Since scalpers trade frequently, they generate high volumes of spreads and commissions. The ideal cashback program should offer:

• Per-Trade or Per-Lot Rebates – Fixed cashback per trade ensures consistent returns regardless of spread fluctuations.
• Low-Latency Brokers – Rebates should not come at the cost of execution speed.
• No Restrictions on Trade Duration – Some brokers penalize ultra-short trades; scalpers must avoid these.

Example:
A scalper trading 100 lots per month with a $0.50 per-lot cashback earns $50 monthly, significantly offsetting trading costs.
Recommended Programs:

• Tiered Cashback Plans (higher rebates for larger volumes)
• Direct Broker Rebates (avoid third-party delays)

—

2. Day Trading (Moderate Frequency)

Traits of Day Traders:

• Hold positions for hours but close before market close
• Trade 5-20 times per day
• Balance between spread costs and rebate optimization

Best Forex Cashback Programs for Day Traders:
Day traders need a balance between rebate value and trading conditions. Ideal programs include:

• Percentage-Based Rebates – Since day traders don’t trade as frequently as scalpers, a percentage of spread/commission works better.
• Flexible Payouts – Weekly or bi-weekly payouts help with liquidity management.
• Brokers with Competitive Spreads – Cashback is less effective if the broker has wide spreads.

Example:
A day trader paying $3 in spreads per trade with a 30% cashback recoups $0.90 per trade. Over 200 monthly trades, this amounts to $180 in rebates.
Recommended Programs:

• Hybrid Rebates (mix of per-lot and percentage-based)
• Broker-Integrated Cashback (seamless payouts without third-party involvement)

—

3. Swing Trading (Lower Frequency, Larger Positions)

Traits of Swing Traders:

• Hold trades for days to weeks
• Fewer trades but larger position sizes
• Less concerned with micro-spreads but still benefit from rebates

Best Forex Cashback Programs for Swing Traders:
Since swing traders don’t trade as frequently, they should prioritize:

• High Rebates per Lot – Since they trade larger volumes per position, per-lot cashback is more lucrative.
• No Time-Based Restrictions – Some rebates require trades to stay open for a minimum duration; swing traders should avoid these.
• Brokers with Low Overnight Fees – Since positions are held longer, swap costs matter more.

Example:
A swing trader placing 10 trades per month with 10 lots each, earning $1 per lot, gains $100 in cashback.
Recommended Programs:

• Volume-Based Tier Rebates (higher payouts for larger lot sizes)
• Loyalty Cashback Schemes (better rewards for consistent trading)

—

4. Long-Term Investors (Position Trading & Carry Trade)

Traits of Long-Term Traders:

• Hold trades for months or years
• Focus on macroeconomic trends
• Minimal trading activity but large capital exposure

Best Forex Cashback Programs for Long-Term Traders:
Since these traders rarely close positions, traditional cashback models may not suit them. Instead, they should look for:

• Account-Based Rebates – Some brokers offer annual cashback based on account balance.
• Carry Trade Incentives – Rebates on swap interest for holding positions long-term.
• High Net Deposit Bonuses – Instead of per-trade rebates, deposit-based rewards may be more beneficial.

Example:
A position trader with a $50,000 account might receive 0.5% annual cashback, earning $250 yearly.
Recommended Programs:

• Broker-Specific Loyalty Rewards
• Swap-Free Cashback Accounts (for Islamic account holders)

—

Final Considerations When Matching Cashback to Trading Style

1. Avoid Over-Optimizing for Rebates – Don’t sacrifice execution quality for higher cashback.
2. Check Broker Reputation – Ensure the broker is reliable; rebates are useless if withdrawals are restricted.
3. Combine with Other Discounts – Some brokers offer VIP spreads + cashback for high-volume traders.

Conclusion

The best forex cashback program depends on how you trade. Scalpers benefit from per-lot rebates, day traders from percentage-based returns, swing traders from volume incentives, and long-term investors from account-based rewards. By aligning cashback programs with your trading style, you can maximize cost efficiency and profitability in 2025.
Would you like recommendations for specific cashback providers based on your trading frequency? Let us know in the comments!

4. Technical Evaluation Criteria

When selecting the best forex cashback programs, traders must assess multiple technical factors to ensure they maximize rebates without compromising trading efficiency. Unlike promotional offers or sign-up bonuses, cashback programs require a deeper evaluation of execution quality, broker reliability, and payout mechanics. Below, we outline the key technical criteria to consider before committing to a forex cashback provider.

4.1. Rebate Calculation Method

Forex cashback programs calculate rebates in different ways, and understanding these methods is crucial for estimating potential earnings.

4.1.1. Per-Lot Rebates

• Fixed cashback per standard lot traded (e.g., $5 per lot).
• Ideal for high-volume traders who execute large positions.
• Example: A trader executing 50 lots/month at $5/lot earns $250 in rebates.

### 4.1.2. Spread-Based Rebates

• Rebate calculated as a percentage of the spread (e.g., 10% of the spread paid).
• More beneficial for traders who frequently trade tight-spread pairs like EUR/USD.
• Example: If a broker’s spread is 1 pip (worth $10), a 10% rebate returns $1 per lot.

### 4.1.3. Tiered Volume-Based Rebates

• Higher trading volumes unlock better rebate rates.
• Example:

– 1-50 lots/month: $3/lot
– 51-100 lots/month: $4/lot
– 100+ lots/month: $5/lot
Key Consideration: Traders should model their expected trading volume to determine which rebate structure is most profitable.

4.2. Payout Frequency and Minimum Thresholds

Cashback programs vary in how frequently they disburse funds and whether a minimum threshold must be met.

4.2.1. Payout Frequency

• Weekly: Best for active traders who need frequent liquidity.
• Monthly: Most common; balances are paid at month-end.
• Quarterly: Less favorable due to delayed cash flow.

### 4.2.2. Minimum Payout Thresholds

• Some programs require a minimum rebate balance (e.g., $50) before allowing withdrawals.
• Low-threshold or no-threshold programs are preferable for small-volume traders.

Practical Tip: Check if payouts are made via bank transfer, e-wallet, or broker credit, as withdrawal fees may apply.

4.3. Broker Execution Quality

A cashback program is only as good as the broker’s execution. Poor execution can negate rebate gains through slippage or requotes.

4.3.1. Order Execution Speed

• Look for brokers with <100ms execution speeds to minimize slippage.
• Test execution using a demo account before enrolling in a cashback program.

### 4.3.2. Spread Stability

• Variable spreads can widen during news events, increasing trading costs.
• Rebates based on spreads may be less predictable in volatile markets.

### 4.3.3. Liquidity Provider Quality

• Brokers with Tier-1 liquidity providers (e.g., JP Morgan, Citibank) offer tighter spreads and better fills.

## 4.4. Compatibility with Trading Strategy
Not all cashback programs suit every trading style. Traders must align rebate structures with their strategies.

4.4.1. Scalping & High-Frequency Trading (HFT)

• Requires ultra-low latency execution and per-lot rebates.
• Avoid brokers that penalize scalping or have high minimum trade durations.

### 4.4.2. Swing & Position Trading

• Spread-based rebates may be less impactful due to fewer trades.
• Per-lot rebates are better for occasional large-volume traders.

### 4.4.3. Automated Trading (Expert Advisors)

• Ensure the broker allows EAs and does not restrict cashback for algorithmic trades.
• Verify if rebates apply to hedging strategies.

## 4.5. Transparency & Tracking Tools
A reliable forex cashback program should provide transparent reporting and real-time tracking.

4.5.1. Rebate Tracking Dashboard

• Real-time updates on accrued rebates.
• Breakdown per trade (symbol, volume, rebate amount).

### 4.5.2. No Hidden Restrictions

• Some programs exclude certain instruments (e.g., exotic pairs) from rebates.
• Verify if rebates are forfeited if trades are held for less than a specified time.

### 4.5.3. Independent Verification

• Check third-party reviews or forums to confirm payout reliability.
• Avoid programs with a history of delayed or denied withdrawals.

## 4.6. Broker Regulation & Cashback Program Legitimacy

4.6.1. Regulated Brokers Only

• Cashback programs tied to unregulated brokers pose higher risks.
• Prefer brokers licensed by the FCA, ASIC, or CySEC.

### 4.6.2. Direct vs. Third-Party Cashback Providers

• Direct: Offered by the broker itself (more reliable).
• Third-Party: Independent cashback portals (may offer higher rates but require due diligence).

## Conclusion
Evaluating forex cashback programs from a technical perspective ensures traders select a program that aligns with their trading volume, strategy, and execution needs. By analyzing rebate structures, payout terms, broker execution quality, and transparency, traders can optimize their earnings while maintaining a seamless trading experience. Always test a program with small trades before scaling up to confirm its reliability.
Next Step: Compare top-rated forex cashback programs in 2025 based on these criteria in Section 5.

5. Avoiding 2025’s Cashback Scams

As forex cashback programs continue to gain popularity in 2025, traders must remain vigilant against scams designed to exploit unsuspecting investors. While legitimate cashback services can enhance profitability by returning a portion of trading costs, fraudulent schemes can lead to significant financial losses. This section outlines the most common forex cashback scams in 2025, red flags to watch for, and actionable strategies to protect yourself.

Common Forex Cashback Scams in 2025

1. Fake Cashback Brokers

Some fraudulent brokers advertise forex cashback programs as a lure but never actually pay out rebates. These brokers may:

• Require excessive trading volumes before allowing withdrawals.
• Delay or deny payments with vague excuses.
• Disappear entirely after collecting trader deposits.

Example: In early 2025, a scam broker named “FXRebatePro” promised 10 pips cashback per lot but shut down operations after traders accumulated significant rebates.

2. Hidden Terms & Conditions

Some brokers and cashback providers bury restrictive clauses in their terms, such as:

• Minimum withdrawal thresholds that are unrealistically high.
• Time-limited rebates that expire before traders can claim them.
• Exclusions on certain instruments (e.g., no cashback on cryptocurrencies or metals).

How to Avoid: Always read the fine print before enrolling in a forex cashback program.

3. Ponzi & Pyramid Schemes

Fraudulent cashback services may operate as Ponzi schemes, where:

• Early participants are paid with funds from new traders.
• The scheme collapses once recruitment slows.

Red Flags:

• Overemphasis on recruiting others rather than trading activity.
• Guaranteed high returns with no risk.

### 4. Phishing & Identity Theft
Scammers may impersonate legitimate forex cashback programs to steal login credentials or payment details.
Warning Signs:

• Unsolicited emails or messages offering “exclusive” cashback deals.
• Fake websites mimicking real brokers or rebate services.

### 5. Manipulated Spreads & Slippage
Some brokers offering cashback artificially widen spreads or increase slippage to offset rebate costs, effectively nullifying the benefits.
Example: A trader receives $5 cashback per lot but loses $10 due to inflated spreads.

How to Verify a Legitimate Forex Cashback Program

1. Check Broker & Provider Reputation

• Look for regulated brokers (FCA, ASIC, CySEC).
• Verify cashback providers on independent review sites (Trustpilot, Forex Peace Army).

### 2. Test Withdrawal Processes
Before committing large funds:

• Start with a small deposit.
• Confirm cashback is credited as promised.
• Attempt a withdrawal to ensure no hidden restrictions.

### 3. Avoid “Too Good to Be True” Offers
If a forex cashback program offers:

• Unrealistically high rebates (e.g., $20 per lot when industry average is $5).
• Guaranteed profits—cashback should offset costs, not replace trading skill.

### 4. Use Secure Payment Methods
Avoid brokers or cashback services that only accept:

• Cryptocurrencies with no recourse.
• Untraceable payment methods (e.g., wire transfers to offshore accounts).

### 5. Monitor Trading Conditions
Track:

• Spreads & commissions before and after enrolling in cashback.
• Execution speed—some brokers intentionally delay trades to reduce rebate payouts.

## What to Do If You Suspect a Scam
1. Document Everything – Save emails, transaction records, and terms.
2. Report to Authorities – File complaints with regulators (e.g., FCA, CFTC).
3. Warn Others – Share experiences on forex forums to prevent further victims.

Conclusion

While forex cashback programs can be a valuable tool for traders in 2025, vigilance is essential to avoid scams. By recognizing red flags, verifying providers, and testing withdrawal processes, traders can safely maximize rebates without falling victim to fraud. Always prioritize security and transparency when selecting a cashback service—your profitability depends on it.
Next Steps: Research only reputable forex cashback programs and start with small volumes to validate payouts before scaling up.
—
This section arms traders with the knowledge to navigate cashback offers safely while reinforcing the importance of due diligence in forex cashback programs. Would you like additional case studies or a comparison of trusted providers?

FAQs: Best Forex Cashback Programs in 2025

What is a forex cashback program, and how does it work?

A forex cashback program refunds a portion of trading costs (spreads/commissions) per trade. Traders sign up through a cashback provider, which tracks their trades and pays rebates—usually weekly or monthly.

Why should I use a forex cashback program in 2025?

• Reduces trading costs by recovering part of spreads/commissions.
• Boosts profitability, especially for high-volume traders.
• Works passively—earn rebates without changing your strategy.

How do I choose the best forex cashback program for my trading style?

Consider:
– Rebate rates (higher for scalpers, lower for swing traders).
– Broker compatibility (ensure your broker partners with the program).
– Payout reliability (avoid delays or hidden fees).

Are forex cashback programs safe, or could they be scams?

Most forex cashback programs are legitimate, but 2025’s scams often involve:
– Upfront fees (reputable programs are free to join).
– Unrealistic rebate promises (e.g., “90% cashback”).
– No broker verification (always cross-check with your broker).

Which forex cashback programs are best for high-frequency traders in 2025?

High-frequency traders (e.g., scalpers) should prioritize programs with:
– High rebates per lot (e.g., $7–$10).
– Low minimum payout thresholds.
– Fast processing times (daily/weekly payouts).

Can I combine multiple forex cashback programs?

Some traders use multiple programs, but:
– Broker restrictions may apply (one program per account).
– Tax implications vary by jurisdiction.
– Tracking complexity increases with multiple providers.

Do forex cashback programs affect trading execution?

No—cashback programs operate independently of your broker’s execution. Rebates are paid separately, so they don’t impact slippage or order fills.

How do I track my forex cashback earnings?

Reputable programs provide:
– Real-time dashboards showing rebates per trade.
– Detailed reports (downloadable for tax/analysis).
– Automated payouts (via PayPal, bank transfer, or crypto).