12 Minute Payday makes a bold promise that you can earn $2035.38 every day in just 12 minutes. Can they be trusted? More importantly, is 12 Minute Payday a scam?

12 minute payday scamName: 12 Minute Payday
Website: 12minutepayday.com
Owner: Justin James & Steven James
Price: $47 (down-sell to $9)
Price: Various up-sells in members area

Legitimate? NO, IT’S A SCAM
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12 Minute Payday Review


12 minute payday scam

12 Minute Payday is a product of both Justin James and Steven James. It’s been around for some time, and is quite infamous for its multiple up-sells that are designed to suck your wallet dry once you become a member.

When you arrive at 12 Minute Payday homepage, there are already a few red flags that you should take note of.

Red Flags Within 12 Minute Payday Scam


The first red flag comes in the form of unrealistic and scammy headline. This is similar to many other scams out there, such as Millionaire Blueprint by Walter Green and My Internet Success Coach by William Chase.

The sole purpose of these headlines is to attract your eyeballs and get you excited for what they have to say in their sales video.

Talking about the sales video, there isn’t any useful information at all. All you get to hear is how much money you can generate from their system, and how you can do it over and over again.

12 Minute Payday tells you that you don’t need to have any experience to get started, but it’s not true. Although they don’t disclose the nature of their business model in the sales material, it is actually a niche email marketing model that isn’t suited for complete newbies at all.

Before you provide your email address in the homepage, you are promised a FREE business plan, which is once again, an outright lie. You will be required to make payment in the very next page, and fed up-sell upon up-sell once you become a member.

What 12 Minute Payday Scam Doesn’t Want You to Know


12 minute payday scam

Disclaimer is deliberately made hard to read
(Click on image to enlarge)

Throughout the sales presentation of 12 Minute Payday, you are told that anyone who uses the system will be able to generate huge profits, even for the inexperienced newbies. However, if you try to dig out the disclaimer on 12minutepayday.com, you will find the truth behind the scam.

The texts in the hidden disclaimer are very hard to read – and they are deliberately made so. You can enlarge the image to read the text, but let me spell out the most critical sentence within the disclaimer:

The typical purchaser does not make any money using this system.

Why does 12 Minute Payday include such sentence in their disclaimer? It’s used to protect themselves from legal actions when you become a member and do not get what you are promised.

Despite the way they sugarcoat the opportunity and show extraordinary earnings from their system, according to their disclaimer, the examples shown in 12 Minute Payday scam do not represent an indication of future success or earnings.

Pricing of 12 Minute Payday


The pricing of 12 Minute Payday scam can be a bit confusing.

In the homepage, you are promised a FREE business plan when you enter your email, a waiver of $197 from the original price (refer to first image).

12 minute payday scam

This is not what we were promised in the homepage

However, once you provide your email address and proceeds to the next page, you will be quoted $47 for 12 Minute Payday system. It’s not free at all!

12 minute payday scam

Even though the product is offered for $47, that is not the final price. You can still reduce the price 2 more times by trying to close the payment page.

When you attempt to exit, a popup like appear and offer you a discount. The first popup will reduce the price to $37.

But if you attempt to exit the second time, another popup will appear slashing the final price down to just $9.

If 12 Minute Payday system is really as good as Justin and Steven claim, why would they subject themselves to discount after discount, and eventually selling the product away at such a low price?

They just want you to purchase 12 Minute Payday really badly, so they can put you through the meat grinder that is in the members area.

If you paid more than $9, you are getting ripped off, even before they start ripping you off as a member.

Inside the Members Area


12 minute payday scam

Inside the members area, you will have access to various modules teaching you how to setup an email marketing campaign – starting from creating optin forms to generating subscribers (using one of their up sells, Traffic Pool).

However, before you get started with the modules, you will need to call your personal millionaire mentor. Well I made the call, and turns out it was a high-pressured sales personnel asking me to purchase up-sells even before I got started with the modules.

The first one was a business upgrade that goes for $97, and you are guaranteed to accelerate your business growth 10 times with the up sell. I declined.

The second up-sell was called Traffic Pool that goes for $34.95 per month, and according my “mentor”, you won’t have to worry about getting web traffics anymore after you make the purchase.

As an internet marketer who makes money online, I can tell you it doesn’t work that way. There’s no hands-off way of making money online, where you just click a magic button or purchase a miracle system and money comes flowing in.

Making money online requires a legitimate business model and constant effort, just like any other businesses.

Does 12 Minute Payday Work?


Although email marketing is a legitimate business model, 12 Minute Payday is designed solely to earn your money through various up sells.

If you want to use their email marketing system, apart from purchasing the various up-sells, you will need to sign up with their dedicated email responder, Global Virtual Opportunities (GVO) in order to use 12 Minute System optin form templates. It costs $10/month for GVO’s services.

Of course, the team behind 12 Minute Payday scam will earn an ongoing commission as long as you stick with GVO.

As stated in their own disclaimer, the typical purchaser of 12 Minute Payday don’t make a single cent. You will need to purchase a lot more up-sells, and incur massive spending to have a remote chance of getting it to work.

Is 12 Minute Payday a Scam?


The answer is clear. YES, THIS IS A SCAM!

Most victims fall prey to scams simply because they don’t know there are better alternatives out there.

If you are determined to make money online, you must use a legitimate program that will provide you proper trainings and help you build your own business. We have tried out many programs, and there is only one program we recommend to our readers:

Read Our Review of the Most Recommended Internet Business Opportunity Here.


Have you encountered any scams before? Personally I’ve fallen for a few before coming across the legitimate one, so let us know in the comments below if you have any personal experience to share!