**”Forex Cashback for Beginners: How to Start Earning Rebates in 2024″**

Forex Cashback for Beginners: How to Start Earning Rebates in 2024
Trading currencies can be thrilling, but hidden costs like spreads and commissions often eat into profits—especially for new traders. Forex cashback for beginners offers a smart solution, turning even losing trades into partial refunds. In 2024, rebate programs are more accessible than ever, helping retail traders offset fees and maximize returns. Whether you’re scalping major pairs or testing exotic currencies, cashback acts as a financial cushion, rewarding every trade you execute. This guide breaks down how to claim your share, from picking the right broker to leveraging tools like MetaTrader 4/5 and cashback calculators. Ready to turn trading costs into earnings? Let’s dive in.

1. Understanding Forex Cashback: The Basics

For beginners stepping into the world of forex trading, maximizing profitability is a top priority. One often overlooked yet highly effective way to enhance earnings is through forex cashback for beginners. This concept allows traders to earn rebates on their trades, effectively reducing transaction costs and boosting overall returns.
In this section, we’ll break down the fundamentals of forex cashback, how it works, and why it’s a valuable tool for traders—especially those just starting their journey in the forex market.
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What Is Forex Cashback?

Forex cashback is a rebate program where traders receive a partial refund on the spreads or commissions paid to their forex broker. These rebates are typically offered by third-party cashback providers or directly by brokers as an incentive to attract and retain traders.

Key Features of Forex Cashback:

• Rebates per Trade: A small percentage of the spread or a fixed amount per lot traded is returned to the trader.
• Passive Income Stream: Unlike active trading, cashback is earned simply by executing trades.
• Cost Reduction: Lowers the overall cost of trading, improving net profitability.

For beginners, forex cashback serves as a way to offset losses and improve trading efficiency, making it an essential tool in a trader’s arsenal.
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How Does Forex Cashback Work?

The forex cashback mechanism is straightforward but varies slightly depending on the provider. Here’s a step-by-step breakdown:

1. Choosing a Cashback Provider or Broker

Traders can sign up with:

• Dedicated Cashback Websites: These platforms partner with multiple brokers to offer rebates.
• Broker-Specific Cashback Programs: Some brokers provide in-house cashback incentives.

### 2. Opening a Trading Account
To qualify for cashback, traders must open an account through the cashback provider’s referral link or select a broker that offers rebates.

3. Executing Trades

Every time a trade is placed (buy or sell), the broker records the transaction, and the cashback provider calculates the rebate based on:

• Spread-Based Rebates: A percentage of the spread (e.g., 0.5 pips per trade).
• Volume-Based Rebates: A fixed amount per standard lot traded (e.g., $5 per lot).

### 4. Receiving the Rebate
Cashback is typically paid:

• Weekly or Monthly: Accumulated rebates are transferred to the trader’s account or external wallet.
• Via Broker Credit or Withdrawable Cash: Some brokers credit the rebate directly to the trading account, while others allow withdrawals.

### Example of Forex Cashback in Action
Let’s say a beginner trader executes 10 standard lots (1,000,000 units) in a month with a broker offering $5 cashback per lot.

• Total Cashback Earned: 10 lots × $5 = $50
• If the trader pays $7 per lot in spreads, the net cost reduces to $2 per lot.

This demonstrates how forex cashback for beginners can significantly lower trading expenses.
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Why Should Beginners Use Forex Cashback?

For new traders, every dollar saved contributes to long-term success. Here’s why forex cashback is particularly beneficial:

1. Lowers Trading Costs

Forex trading involves spreads, commissions, and swap fees. Cashback helps recover a portion of these costs, improving net profitability.

2. Provides a Safety Net

Since beginners often face losses due to inexperience, cashback acts as a partial buffer, reducing the impact of losing trades.

3. Encourages Consistent Trading

Knowing that each trade generates a rebate motivates traders to refine their strategies without excessive fear of costs.

4. Passive Earnings Without Additional Effort

Unlike complex trading strategies, cashback requires no extra analysis—just regular trading activity.
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Types of Forex Cashback Programs

Not all cashback programs are the same. Beginners should understand the different structures available:

1. Spread-Based Cashback

• Rebates a percentage of the spread (e.g., 10%-30%).
• Best for traders using brokers with variable spreads.

### 2. Fixed Rebate per Lot

• Offers a set amount per standard lot (e.g., $3-$10).
• Ideal for high-volume traders.

### 3. Tiered Cashback

• Higher rebates for larger trading volumes.
• Suitable for scalpers and day traders.

### 4. Broker-Specific vs. Third-Party Cashback

• Broker-Specific: Simpler but may have limited rebate rates.
• Third-Party Providers: Often offer better rates but require signing up via their platform.

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Common Misconceptions About Forex Cashback

Many beginners misunderstand how cashback works. Let’s clarify:
❌ “Cashback is only for professional traders.”
✅ Even small traders benefit—every rebate adds up over time.
❌ “Cashback brokers are untrustworthy.”
✅ Reputable brokers like IC Markets, Pepperstone, and XM offer cashback through verified providers.
❌ “Cashback complicates trading.”
✅ It’s automatic—no extra steps are needed beyond signing up.
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Final Thoughts: Is Forex Cashback Worth It for Beginners?

Absolutely. Forex cashback for beginners is a simple yet powerful way to reduce trading costs and enhance profitability. By understanding how rebates work and selecting the right program, new traders can gain an edge in the competitive forex market.
In the next section, we’ll explore how to choose the best forex cashback provider—ensuring you maximize your earnings while trading safely.
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Key Takeaways:

✔ Forex cashback refunds part of your trading costs.
✔ Rebates can be spread-based, volume-based, or tiered.
✔ Ideal for beginners to offset losses and improve net gains.
✔ Always verify cashback providers and brokers for legitimacy.
By leveraging forex cashback, beginners can trade more efficiently while keeping more profits in their pockets. Stay tuned for the next section, where we dive deeper into selecting the best cashback programs in 2024!

2. Choosing the Right Cashback Provider

For beginners in forex trading, earning cashback can be a game-changer. It not only reduces trading costs but also enhances profitability over time. However, selecting the right cashback provider is crucial to ensure you maximize your rebates while avoiding potential pitfalls.
This section will guide you through the key factors to consider when choosing a forex cashback provider, ensuring you make an informed decision that aligns with your trading needs.

Key Factors to Consider When Selecting a Forex Cashback Provider

1. Reputation and Reliability

The forex market is vast, and not all cashback providers operate with transparency. Before committing, research the provider’s reputation by:

• Checking online reviews (Trustpilot, Forex Peace Army, and trading forums).
• Verifying regulatory compliance (some providers are registered with financial authorities).
• Assessing their track record (how long they’ve been in business and client testimonials).

A reputable provider ensures timely payouts and avoids unethical practices like hidden fees or delayed rebates.

2. Broker Compatibility

Not all cashback programs work with every broker. Beginners must confirm:

• Which brokers are supported (some providers partner exclusively with specific brokers).
• If their current broker is eligible (if not, switching brokers may be necessary).
• Whether the provider offers multi-broker cashback (useful for traders using multiple platforms).

For example, if you trade with IC Markets, Pepperstone, or XM, ensure your chosen cashback provider supports these brokers.

3. Rebate Structure and Payout Frequency

Different providers offer varying rebate structures:

• Fixed rebates per lot (e.g., $2 per standard lot traded).
• Variable rebates based on spread/commission (a percentage of the broker’s fees).
• Tiered rewards (higher rebates for increased trading volume).

Additionally, payout frequency varies:

• Weekly, monthly, or quarterly payouts.
• Minimum withdrawal thresholds (some require a minimum balance before payout).

Beginners should opt for providers with transparent, competitive rates and flexible payout options.

4. Payment Methods

Cashback providers offer different withdrawal methods, including:

• Bank transfers (secure but may have fees).
• E-wallets (Skrill, Neteller, PayPal—fast but sometimes limited).
• Cryptocurrency (Bitcoin, USDT—ideal for anonymity and speed).

Choose a provider that supports your preferred payment method to avoid unnecessary delays or conversion fees.

5. User Experience and Support

A beginner-friendly cashback provider should offer:

• An intuitive dashboard (track rebates in real-time).
• Detailed reporting (trade history, pending payouts).
• Responsive customer support (live chat, email, or phone).

A poorly designed platform or slow support can make managing cashback frustrating.

6. Additional Perks and Bonuses

Some providers offer extra incentives, such as:

• Sign-up bonuses (one-time rebate boosts).
• Referral programs (earn extra by inviting other traders).
• Loyalty rewards (higher rebates for long-term users).

While these perks shouldn’t be the sole deciding factor, they can add significant value.

How to Compare Forex Cashback Providers

To make an informed choice, beginners should:
1. Create a Shortlist – Identify 3-5 reputable providers.
2. Compare Rebate Rates – Check how much you’ll earn per lot or trade.
3. Test Customer Support – Reach out with questions to gauge responsiveness.
4. Read the Fine Print – Look for hidden fees or restrictive terms.
5. Start Small – Sign up and test the service with a few trades before fully committing.

Top Recommended Forex Cashback Providers for Beginners (2024)

While individual needs vary, some well-regarded cashback providers include:

• Cashback Forex (wide broker coverage, transparent payouts).
• Forex Rebates 360 (competitive rates, excellent support).
• FX Rebate King (high rebates for high-volume traders).

Each has strengths, so beginners should select based on their broker and trading style.

Final Thoughts

Choosing the right cashback provider is a critical step for beginners looking to optimize forex trading costs. By prioritizing reputation, broker compatibility, rebate structure, and user experience, traders can ensure they receive consistent, hassle-free rebates.
For those new to forex cashback for beginners, starting with a trusted provider can make the difference between marginal savings and substantial long-term earnings. Take the time to research, compare, and test different services to find the best fit for your trading journey.
Next Step: Once you’ve selected a provider, the next section will guide you through “3. Setting Up and Maximizing Your Forex Cashback Earnings.” Stay tuned for actionable strategies to boost your rebates!

3. Maximizing Rebates: Tactics for Beginners

For new traders entering the forex market, forex cashback for beginners presents an excellent opportunity to offset trading costs and enhance profitability. While cashback rebates may seem straightforward, maximizing them requires a strategic approach. This section explores actionable tactics that beginners can implement to optimize their rebate earnings in 2024.

Understanding Forex Cashback Mechanics

Before diving into optimization strategies, it’s essential to grasp how forex cashback works. Cashback rebates are typically offered by:

• Broker-affiliated programs – Some brokers provide direct rebates per trade.
• Third-party cashback services – Independent platforms partner with brokers to offer rebates.

Rebates are usually calculated as a percentage of the spread or a fixed amount per lot traded. For beginners, even small rebates can accumulate significantly over time, reducing overall trading costs.

Tactics to Maximize Forex Cashback for Beginners

1. Choose the Right Cashback Provider

Not all cashback programs are equal. Beginners should research and compare:

• Reputation & Reliability – Opt for well-reviewed providers like CashbackForex, ForexRebates, or broker-specific programs.
• Rebate Structure – Some providers offer higher rebates for major currency pairs (e.g., EUR/USD) or during high-volume trading periods.
• Payout Frequency – Weekly, monthly, or per-trade payouts affect cash flow.

Example: A beginner trading 10 standard lots per month with a $3 rebate per lot earns $30 monthly—effectively reducing transaction costs.

2. Select a Broker with Competitive Spreads & Rebates

Since rebates are often tied to spreads, choosing a broker with tight spreads maximizes net gains. Consider:

• ECN/STP Brokers – These brokers offer raw spreads, making rebates more impactful.
• Brokers with Integrated Rebates – Some brokers automatically credit cashback, eliminating third-party reliance.

Pro Tip: Compare rebate-adjusted spreads—sometimes a broker with slightly wider spreads but higher rebates may be more profitable.

3. Increase Trading Volume Strategically

Higher trading volume typically leads to larger rebates, but beginners should avoid overtrading. Instead:

• Focus on High-Probability Trades – Quality over quantity ensures profitability while earning rebates.
• Use Scalping or Day Trading (If Suitable) – Short-term strategies generate more trades, increasing rebate potential.

Example: A trader executing 50 micro-lots monthly at $0.50 rebate per lot earns $25, supplementing their trading capital.

4. Leverage Multiple Cashback Accounts

Some traders use multiple cashback providers for the same broker (where allowed) to stack rebates. However:

• Check Broker Policies – Some prohibit multiple cashback enrollments.
• Avoid Conflict – Ensure providers don’t have exclusivity clauses.

### 5. Optimize Trade Execution
Since rebates depend on executed trades, improving trade efficiency helps:

• Reduce Slippage – Use limit orders to ensure entries/exits at desired prices.
• Avoid Requotes – Brokers with fast execution minimize missed rebate opportunities.

### 6. Monitor & Reinvest Rebates
Track rebate earnings and reinvest them to compound gains:

• Use Rebates to Fund More Trades – Instead of withdrawing, allocate rebates to increase position sizes.
• Diversify Strategies – Apply rebate earnings to different currency pairs or trading styles.

### 7. Stay Updated on Promotions
Cashback providers and brokers frequently run promotions such as:

• Bonus Rebates – Temporary increases in payouts (e.g., double rebates for a week).
• Referral Bonuses – Earn extra by inviting other traders.

Example: A limited-time 50% rebate boost on GBP/USD trades could significantly enhance earnings for active traders.

Common Mistakes to Avoid

While pursuing forex cashback for beginners, avoid these pitfalls:

• Choosing High-Rebate but Unreliable Brokers – Always prioritize regulation and execution quality.
• Overtrading Just for Rebates – Excessive trading can lead to losses outweighing rebate gains.
• Ignoring Tax Implications – Some jurisdictions tax rebates as income—consult a financial advisor.

## Final Thoughts
Maximizing forex cashback for beginners involves a mix of smart broker selection, strategic trading, and disciplined execution. By implementing these tactics, new traders can reduce costs, improve profitability, and gain an edge in the competitive forex market.
Start small, track performance, and gradually scale your approach to make the most of cashback rebates in 2024.
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Next Section Preview: “4. Tracking & Withdrawing Forex Cashback: A Step-by-Step Guide” – Learn how to monitor rebate earnings and withdraw them efficiently.
By following these strategies, beginners can turn forex cashback into a sustainable income stream while refining their trading skills.

4. Common Pitfalls & Risk Management

Forex cashback programs offer an excellent way for traders to recover a portion of their trading costs, making them an attractive option for beginners. However, without proper risk management and awareness of common pitfalls, traders may end up losing more than they gain from these rebates. This section explores the key challenges beginners face when using forex cashback programs and provides actionable strategies to mitigate risks effectively.

Common Pitfalls in Forex Cashback for Beginners

1. Over-Trading to Maximize Cashback

One of the biggest mistakes beginners make is over-trading solely to earn more cashback. Since rebates are often calculated per trade, some traders increase their trading frequency unnecessarily, leading to higher spreads, commissions, and potential losses.
Example: A beginner might execute 20 trades a day instead of their usual 5 just to earn extra rebates. However, if most of these trades are unprofitable, the cashback earned won’t compensate for the losses.
Solution: Stick to a disciplined trading strategy. Cashback should be a bonus, not the primary reason for trading.

2. Choosing the Wrong Cashback Provider

Not all forex cashback providers are trustworthy. Some may offer high rebates but have hidden fees, delayed payments, or even fraudulent practices.
Red Flags to Watch For:

• Unrealistically high rebate offers
• Lack of transparency in payment terms
• Poor reviews or complaints from other traders

Solution: Research providers thoroughly. Opt for well-established cashback services with verified track records and positive user feedback.

3. Ignoring Broker Spreads & Commissions

Some brokers widen spreads or charge higher commissions when traders use cashback programs. If the rebate doesn’t offset these increased costs, the trader loses money overall.
Example: A broker may offer a $5 cashback per lot but increase the spread by 0.3 pips, effectively costing the trader more in execution costs.
Solution: Compare trading costs before and after enrolling in a cashback program. Use a demo account to test execution quality.

4. Neglecting Risk Management Strategies

Cashback can create a false sense of security, leading traders to take excessive risks. Beginners may ignore stop-loss orders or trade larger positions than they can afford, assuming rebates will cover losses.
Solution: Always follow risk management principles:

• Use stop-loss and take-profit orders
• Never risk more than 1-2% of capital per trade
• Avoid revenge trading after losses

### 5. Falling for “Too Good to Be True” Offers
Some brokers or cashback providers lure beginners with promises of “guaranteed profits” or “risk-free trading” through rebates. These claims are often misleading, as forex trading always carries risk.
Solution: Be skeptical of exaggerated marketing. Cashback is a cost-saving tool, not a profit guarantee.

Risk Management Strategies for Forex Cashback Users

1. Track Your Net Trading Costs

To determine if cashback is beneficial, calculate:
Net Cost = (Spreads + Commissions) – Cashback Received
If the net cost is higher than trading without rebates, reconsider the program.

2. Use Cashback as a Bonus, Not a Strategy

Cashback should supplement a solid trading plan, not replace it. Focus on executing high-probability trades rather than chasing rebates.

3. Diversify Cashback Providers

Relying on a single cashback provider increases dependency risk. Use multiple reputable services to ensure consistent rebates.

4. Monitor Payment Reliability

Some providers delay or withhold payments. Keep records of all trades and rebates to dispute discrepancies.

5. Avoid High-Frequency Trading (HFT) Traps

Scalpers and high-frequency traders may benefit more from cashback, but beginners often lack the skills for such strategies. Stick to a trading style that matches your experience level.

Final Thoughts

Forex cashback for beginners can be a valuable tool to reduce trading costs, but it requires careful management. By avoiding common pitfalls—such as over-trading, selecting unreliable providers, and neglecting risk controls—traders can maximize rebates without compromising their profitability.
Always prioritize a disciplined trading approach, and treat cashback as an added benefit rather than the core of your strategy. With the right precautions, forex cashback can enhance your trading experience while keeping risks in check.
Next Step: Now that you understand the risks, the next section will guide you on how to choose the best forex cashback provider in 2024.

5. Tools & Resources for 2024

For beginners looking to capitalize on forex cashback for beginners, having the right tools and resources is essential. The forex market is fast-paced, and traders need reliable platforms, analytical tools, and cashback services to optimize their earnings. In 2024, advancements in fintech and AI-driven solutions have made it easier than ever to track, claim, and maximize forex rebates.
This section explores the best tools and resources available to help beginners streamline their cashback strategy, improve trading efficiency, and boost profitability.
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1. Forex Cashback Comparison Websites

Before selecting a cashback provider, beginners should compare different programs to find the best rebate rates and terms. Several websites specialize in aggregating forex cashback offers, making it easier to evaluate options:

• CashbackForex – A leading platform that compares rebate rates from multiple brokers, offering transparent tracking and instant payouts.
• ForexRebatesGuru – Provides detailed broker reviews alongside cashback rates, helping traders choose the most lucrative deals.
• TopCashback & Rakuten (for Forex Brokers) – While primarily for retail cashback, some brokers partner with these platforms to offer rebates on spreads and commissions.

Pro Tip: Always verify the legitimacy of cashback providers by checking reviews on Forex Peace Army or Trustpilot.
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2. Forex Broker Platforms with Built-In Cashback

Some brokers integrate cashback programs directly into their trading platforms, simplifying the rebate process. Beginners should consider brokers that offer:

• IC Markets – Features a raw spread account with rebates on high-volume trades.
• Pepperstone – Offers a “Active Trader Program” with reduced commissions and cashback incentives.
• Exness – Provides a “Rebate Program” where traders earn a percentage of spreads back.

Why It Matters: Built-in cashback reduces reliance on third-party services, ensuring faster and more reliable payouts.
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3. Trading Journals with Cashback Tracking

Tracking cashback manually can be tedious. Trading journals with rebate integration help beginners monitor earnings efficiently:

• TraderSync – Allows traders to log trades and automatically calculate cashback based on broker agreements.
• Edgewonk – A performance analytics tool that can be customized to include rebate tracking.
• Myfxbook – Trades linked to supported brokers can display estimated cashback earnings.

Example: A beginner trading 10 standard lots per month with a $3 rebate per lot can earn $30 in cashback. A trading journal ensures these earnings are accurately recorded.
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4. Cashback Calculators & Rebate Estimators

Forex cashback calculators help beginners estimate potential earnings before committing to a broker or program:

• ForexCashbackCalculator.com – Input trade volume, rebate rate, and frequency to project earnings.
• Broker-Specific Calculators – Many cashback providers (e.g., CashbackForex) offer calculators on their websites.

Practical Insight: If a broker offers $5 cashback per lot and a trader executes 50 lots/month, estimated earnings = $250/month.
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5. AI & Automation Tools for Cashback Optimization

AI-powered tools are revolutionizing forex cashback by automating trade tracking and maximizing rebates:

• MetaTrader 4/5 Expert Advisors (EAs) – Custom EAs can track eligible trades and submit them to cashback providers.
• Rebate Tracking Bots – Some third-party services use bots to scan trading histories and claim missed rebates.
• ZuluTrade & Mirror Trader – Social trading platforms that allow cashback on copied trades.

Why Use AI? Automation reduces human error and ensures no rebate opportunity is missed.
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6. Forex Cashback Mobile Apps

Managing cashback on the go is crucial for active traders. The best mobile apps include:

• Cashback Forex App – Trades and rebates can be monitored in real-time.
• Broker-Specific Apps – Many brokers (e.g., XM, FBS) have apps with cashback dashboards.

Tip: Enable notifications to stay updated on new cashback promotions.
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7. Educational Resources for Cashback Trading

Beginners should educate themselves on cashback strategies to maximize earnings:

• Forex Cashback Guides (Babypips, Investopedia) – Explain how rebates work and how to claim them.
• YouTube Channels (The Trading Channel, ForexSignals TV) – Offer tutorials on selecting the best cashback programs.
• Webinars by Cashback Providers – Live sessions often reveal exclusive rebate opportunities.

Key Takeaway: Knowledge ensures traders avoid scams and select the most profitable cashback deals.
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8. Community Forums & Cashback Discussions

Engaging with other traders provides insights into the best cashback strategies:

• Forex Factory – Threads discussing broker rebates and payout reliability.
• Reddit (r/Forex, r/Trading) – Traders share cashback experiences and recommendations.
• Telegram/Discord Groups – Some cashback providers host communities for real-time support.

Example: A beginner might discover that Broker X has faster payouts than Broker Y by reading forum feedback.
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Final Thoughts: Building a Profitable Cashback Strategy in 2024

For beginners, forex cashback for beginners is an excellent way to offset trading costs and boost profitability. By leveraging the right tools—comparison websites, broker integrations, AI tracking, and educational resources—traders can optimize their rebate earnings efficiently.
Action Steps for Beginners:
1. Compare cashback providers using aggregator sites.
2. Use a trading journal to track rebates.
3. Automate tracking with AI tools where possible.
4. Stay updated via forums and broker promotions.
With these tools and resources, even novice traders can turn cashback into a consistent income stream in 2024.
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By implementing these strategies, beginners can ensure they’re not leaving money on the table and are making the most of every trade. Happy trading—and happy cashback earning!

8 FAQs About Forex Cashback for Beginners (2024)

What is forex cashback, and how does it work for beginners?

Forex cashback is a rebate system where traders earn a portion of their spread or commission costs back per trade. For beginners, it works like this:

• You sign up with a cashback provider (e.g., RebateKing, CashbackForex).
• The provider tracks your trades via your broker account.
• You receive rebates weekly/monthly, reducing net trading costs.

How do I choose the best forex cashback provider as a beginner?

Prioritize:

• Transparency (clear payout terms, no hidden fees).
• Broker compatibility (supports your broker).
• Rebate rates (compare % or fixed $ per lot).
• Reputation (reviews, payment proof).

Can beginners really profit from forex cashback?

Yes! While cashback alone won’t make you profitable, it:

• Lowers breakeven points.
• Adds up over time (e.g., $2/lot x 100 lots = $200/month).
• Complements a disciplined trading strategy.

What are the biggest mistakes beginners make with forex cashback?

• Ignoring broker spreads: High spreads can negate rebates.
• Overtrading just for rebates: Focus on quality trades.
• Choosing shady providers: Verify legitimacy first.

Are there forex cashback tools for beginners in 2024?

Absolutely! Use:

• Rebate calculators (e.g., ForexCashbackCalculator.com).
• Browser extensions (auto-track trades).
• Comparison sites (like CashbackForexBrokers.com).

How much can a beginner earn with forex cashback?

Earnings depend on:

• Trading volume (more lots = higher rebates).
• Rebate rate (e.g., 0.5 pip vs. $1/lot).

Example: A beginner trading 50 lots/month at $1.5/lot earns $75 monthly.

Does forex cashback work with all brokers?

No—only participating brokers (usually ECN/STP). Popular options include IC Markets, Pepperstone, and XM. Always check your provider’s broker list.

Is forex cashback safe for beginners?

Yes, if you:

• Use regulated cashback providers.
• Avoid “too good to be true” offers.
• Read terms (e.g., minimum payout thresholds).