FTMO is the industry standard. PipFarm is a creative challenger with a one-step evaluation and gamified payouts. They appeal to very different types of traders — here's how they actually stack up.
Side-by-Side Comparison
| Factor | PipFarm | FTMO |
|---|---|---|
| Evaluation | One-step | Two-step |
| Profit target | 12% | 10% + 5% |
| Drawdown | 6% static or 12% trailing; 3% daily | 5% daily / 10% overall |
| Profit split | 70% → up to 99% | Flat 80% |
| Payout cadence | Monthly | Every 14 days |
| Fee refund | Non-refundable | Refundable |
| Reputation | Mixed, recent delisting reports | Excellent, established |
Evaluation Structure
PipFarm's one-step evaluation (hit 12% once, you're funded) is simpler than FTMO's two-step (10% then 5%). If you want the shortest path, PipFarm is structurally simpler — but note its 3% daily drawdown is stricter than FTMO's 5%.
Profit Split
FTMO pays a flat 80% from payout one. PipFarm starts at 70% and climbs toward 99% through its XP system. So FTMO pays more on your early payouts; PipFarm can out-earn it only if you climb the ladder and take many payouts.
Payouts & Fees
FTMO pays every 14 days and refunds your fee. PipFarm pays monthly and its fees are non-refundable. Combined with PipFarm's recent delisting reports, the financial risk skews clearly toward FTMO.
Which Should You Choose?
- Choose FTMO if: you want reliability, a flat split, refundable fees, and predictable rules.
- Choose PipFarm if: you want a one-step evaluation and a gamified split — but only after verifying its current status and starting small.
Frequently Asked Questions
Is PipFarm better than FTMO?
Not for most traders. FTMO's trust, flat split, and refundable fees outweigh PipFarm's one-step convenience and gamified split — especially given PipFarm's recent delisting reports.
Does PipFarm pay more than FTMO?
Potentially, at the top of its XP ladder (up to 99%) — but FTMO's flat 80% pays more on your first payouts.
Is PipFarm's one-step easier than FTMO's two-step?
Structurally simpler, but PipFarm's 3% daily drawdown is stricter than FTMO's 5%, so "easier" is debatable.
Which has refundable fees?
FTMO refunds the fee on a successful pass; PipFarm's fees are non-refundable.
Bottom Line
FTMO is the clear choice for reliability, flat split, and refundable fees. PipFarm's one-step structure and gamified split are interesting, but its non-refundable fees and recent delisting reports make it a higher-risk bet. Verify PipFarm's current status before considering it.