There is no information on the Instant Pay Christmas website indicating who owns or runs the business.

The Instant Pay Christmas website domain (“instantpaychristmas.com”) was registered on the 7th of November 2015, with Optimus Dale listed as the domain owner.

Optimus Dale is a pseudonym of Sherm Mason, with Instant Pay Christmas marking Mason’s fourth MLM launch this year alone.

Mason first popped up on BehindMLM’s radar as the admin of
Magnetic Builder
, a $29.95 recruitment scheme.

Since February 2015, Mason has launched:

Paradise Payments
(February 2015) – a $2 to $1000 cash gifting scheme

Magnetic Gratitude
(April 2015) – a $580 matrix-based Ponzi scheme

Summer Fun Matrix
(July 2015) – a $22 three-tier Ponzi scheme and

3×9 Millionaire Machine
(September 2015) – a $3 in, $435 million dollars out Ponzi scheme

As at the time of publication, Alexa traffic estimates suggest Paradise Payments, Magnetic Gratitude and Summer Fun Matrix have all but collapsed.

3×9 Millionaire Machine still appears to be chugging along, with Nigeria being the scheme’s number one source of website traffic.

An overall decline however has likely prompted Mason to launch a new scheme, which brings us to Instant Pay Christmas.

Read on for a full review of the Instant Pay Christmas MLM business opportunity.

The Instant Pay Christmas Product Line

Instant Pay Christmas as an MLM opportunity has no retailable products or services.

Instant Pay Christmas affiliate membership is tied to the purchase of a $5 position, which is bundled with advertising credits and access to a digital products library.

These products appear to be Private Label Rights, which means they can be resold to third-parties. These sales however are external to the Instant Pay Christmas MLM opportunity (they have nothing to do with the MLM component of Instant Pay Christmas’ compensation plan).

The Instant Pay Christmas Compensation Plan

The Instant Pay Christmas compensation plan sees affiliates purchase $5 positions, which are then fed through a three-tiers of matrices.

Through these matrices, new Instant Pay Christmas affiliates gift amounts of $5 to $800 to existing affiliates. In turn, these gifting payments qualify the new affiliates to receiving gifting payments from subsequently recruited affiliates.

Instant Pay Christmas use 3×3 and 4×3 matrix structures to track gifting payments between affiliates.

A 3×3 matrix places an affiliate at the top of a matrix, with three positions directly under them (level 1):

These three positions form the first level of the matrix, with the second level generated by splitting each of the first three positions into another three positions each (9 positions). Note that in the above diagram, the third level of the matrix is not shown.

The third level of the matrix is generated by splitting each of the nine level 2 positions into another three positions each again (27 positions).

This results in a total of 39 positions.

A 4×3 matrix is much t

🤖 Quick Answer

Who is behind Instant Pay Christmas?
Instant Pay Christmas is operated by Sherm Mason, using the pseudonym Optimus Dale. The domain was registered on November 7, 2015. Mason has launched multiple MLM schemes since February 2015, including Paradise Payments, Magnetic Gratitude, Summer Fun Matrix, and 3×9 Millionaire Machine, establishing a pattern of rapid successive business launches.

What are the characteristics of Instant Pay Christmas's cash gifting model?
Instant Pay Christmas operates as a cash gifting scheme offering participants amounts ranging from $5 to $800. This structure mirrors previous schemes launched by Mason, including Paradise Payments, which operated similarly with cash gifting ranges. Such models typically involve recruitment-based compensation structures characteristic of multi-level marketing operations.

What is Sherm Mason's history with MLM ventures?
Sherm Mason launched four MLM

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