Build your comparison
Funding Pips vs Topstepwhich prop firm deserves your challenge fee?
Quick verdict
Safer counterparty
Funding Pips
Faster payouts
Funding Pips
Better for smaller budgets
Funding Pips
Rule stability
Too close to call
Feature comparison
| Feature |  Funding Pips |  Topstep | Winner |
|---|---|---|---|
| Starting price | $29 | $49 | Funding Pips |
| Challenge model | 1-step, 2-step, instant | 1-step | Tie |
| Max funding | $2M | $750K | Funding Pips |
| Max profit split | 100% | 90% | Funding Pips |
| Payouts | Weekly–monthly (your choice) | Weekly at best | Tie |
| Track record | Established 2022 | Established 2012 | Topstep |
| Trader rating | New — no ratings yet | New — no ratings yet | Tie |
| Headquarters | 🇦🇪 United Arab Emirates | 🇺🇸 United States | Tie |
| Overall score | 76 | 66 | Funding Pips |
Both firms are scored from our ongoing research — the score dials above update as new data and trader input land. Read the full breakdowns on the Funding Pips review and the Topstep review.
Funding Pips — strengths & weaknesses
Pros
- Among the cheapest entries in the industry — challenges from $29
- You choose the payout cycle: weekly, bi-weekly, on-demand or 100%-split monthly
- Largest verified review base in forex prop (61k+ Trustpilot) and $274M+ rewarded
- Four platforms: MT5, cTrader, Match-Trader and TradeLocker
Cons
- Funded-account news rule voids profits within ±5 minutes of high-impact events — a frequent dispute trigger
- The weekly payout cycle pays only 60% — reaching 90–100% means slower cycles or consistency rules
- US residents cannot register new accounts
- Master-account rules are stricter than the evaluation, which catches traders off guard
Topstep — strengths & weaknesses
Pros
- Longest track record in futures funding (2012), FIA member, published pass-rate and payout statistics
- Genuine live progression backed by an FCM — not sim-only payouts
- TopstepX discipline tools (personal loss limits, trade limits) and next-business-day payout processing
- $49/month entry with a reset credit included in each renewal
Cons
- 2026 changes cut the deal: flat 90/10 split, lower per-payout caps, and reserve-locked live accounts
- Combine Maximum Loss Limit trails intraday on open equity — unrealized wicks can breach you
- Monthly subscription costs stack during long evaluations
- Trustpilot fell to 3.4 amid the payout-policy backlash
76
VS66
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