PipFarm has removed the fixed $5,000 hard cap that used to sit on top of its percentage payout limits. New accounts bought from 1 November 2026 no longer face that dollar ceiling. The percentage cap still starts at 3% of balance and climbs by 1 point with every payout you take, and now there is no upper limit on how high that percentage can go.

The change is spelled out on PipFarm’s own payout caps help page. Accounts purchased before 1 November keep the rules they were sold under, including the old hard cap where it applied. Profit that sits above the current percentage limit stays in the account for the next request. It does not get forfeited.

PipFarm is primarily a CFD and forex firm that uses cTrader. It has been talking about adding crypto and perpetual futures challenges on a new platform, so some traders watching the futures side have been following the firm more closely lately. The payout rule itself applies across its account types.

For traders who already hold older accounts, nothing changes until they buy a new one. On the new structure, a trader who keeps taking payouts can eventually request a larger share of the account each time. On a big account the old $5,000 ceiling used to bind long before the percentage did. Removing it shifts the constraint to the rising percentage and to whatever other rules (consistency, winning days, interval) still apply on that specific model.

Our Take: Dropping the hard dollar cap is a clear improvement for anyone who can actually generate consistent profit. It does not remove the percentage ramp or the other gates, and older accounts stay on the prior terms. Check the help page for your exact model before you assume the new rule covers you.

Gourang Parekh

I’ve been trading for over 5 years, mainly across Indian markets, futures, forex, crypto, and CFDs. Over the years, I’ve traded with a lot of different brokers and prop firms and spent a huge amount of time testing their rules, platforms, pricing, drawdown models, payout systems, and trading conditions.

I’ve been through plenty of failed prop firm challenges myself before eventually figuring out what works for me. That experience has given me a pretty practical understanding of what traders actually deal with when choosing a prop firm or trading platform.

Outside of trading, I work with financial content, SEO, and WordPress. I’ve built websites and tools around trading and finance, tested a wide range of trading tools, and even modified Pine Script indicators on TradingView as a hobby.

I write about prop firms, brokers, crypto platforms, and trading tools with a focus on the things that actually matter to traders, including rules, costs, payouts, and the overall trading experience.

Expertise: Prop Firms, Forex Brokers, Futures, Crypto, CFDs, Trading Platforms, Trading Tools, Risk Management

Prop Firm Trader