Funded Trading Plus Opens Activation Accounts: $4 to Start, Pay the Rest After You Pass

What happened

Funded Trading Plus has launched Activation Accounts, a pay-later evaluation program on its site under the line "Pass Now. Pay Later." Traders pay $4 to start a single-phase challenge, then pay a separate activation fee only after they pass to receive a simulated funded account.

The firm's Help Center documents the product in a dedicated Activation Accounts (opens in new tab) section (pricing, challenge rules, funded rules, payouts). JoinProp (opens in new tab) covered the homepage launch on 22 September 2026.

All trading remains in a simulated environment. Funded Trading Plus states no real trading capital is provided; payouts are performance-based rewards under the program terms.

What the $4 actually buys

Per the firm's Pricing And Fees (opens in new tab) article, there are two payments:

The challenge fee is the same $4 on every size. If you do not pass, you never pay the activation fee. The firm says there is no deadline to activate after a pass — the pass stays available until you pay and receive the simulated funded account.

Platforms: MT5 and Match-Trader. Activation Accounts are a separate program alongside the firm's existing 1-Step, 2-Step, and Instant products — not a replacement.

Challenge rules vs funded rules

This is the part that matters more than the headline $4.

During the evaluation (Challenge Rules (opens in new tab)):

• 2% profit target (same across sizes)
• 4% maximum daily loss (balance-based)
• 6% maximum loss, static from starting balance
• No consistency rule, no time limit, no minimum trading days
• News trading and weekend holding allowed (subject to the firm's news policy)

Once funded (Funded Account Rules (opens in new tab) and Payouts And Withdrawals (opens in new tab)):

• Daily loss tightens to 3% (balance-based)
• 6% maximum loss becomes trailing, locking at starting balance
• 25% consistency rule appears — checked at payout request (does not cancel the account; it blocks the request until the profit mix is inside 25%)
• 80% reward split (does not scale up on this program)
• Payouts every 10 trading days, with a 3% simulated-profit eligibility threshold and a $50 minimum request
• No scaling plan at launch

A trader who only reads the evaluation column will pass under one constraint set and then trade for rewards under another. The consistency rule is especially easy to miss because it is absent from the challenge and arrives at the payout gate.

Activation limits

The firm caps activations — not challenge purchases — at up to 10 activations per month, a maximum of 5 activated accounts at once, and combined activated capital of $250,000 (Account And Activation Limits (opens in new tab)). You can hold and pass as many Phase 1 challenges as you like; the limits control how many funded accounts you can run together.

How to read the price against other FTP products

Funded Trading Plus is also advertising site-wide promo code FUNDED30 (30% off) on its homepage for other programs. JoinProp notes that a discounted $100K 1-Step Express can undercut the Activation Account all-in cost for traders who expect to pass a higher target — while Activation asks for only 2% with almost no time pressure. Compare total cost, target, and funded-stage rules rather than the $4 alone.

Always verify live terms on Funded Trading Plus (opens in new tab) and the Help Center before buying — parameters can change.

FAQ

Q: Is $4 the full price of a funded account?
A: No. $4 starts the challenge. After a pass you pay an activation fee ($179–$969 by size) before the simulated funded account is issued.

Q: What if I fail the challenge?
A: Per the firm, you never pay the activation fee. The challenge fee is $4.

Q: Is there a consistency rule?
A: Not during the challenge. Once funded, a 25% consistency rule is checked when you request a payout.

Q: Are these live brokerage accounts?
A: No. Funded Trading Plus discloses simulated trading with performance-based rewards.