David Hart's Hart 2 Hart Marketing, based in California, launched Paid 2 Save in early 2012. This operation promotes a discount card program that functions as a classic multilevel marketing scheme. Participants primarily earn commissions through recruitment, not through sales of actual products.

Hart, co-founder and president, states he has 22 years in the direct marketing industry. He built downlines reaching tens of thousands. Previously, he achieved "Diamond Club" status at Waiora, a health and nutrition MLM.

Paid 2 Save offers no products or services beyond its memberships. Affiliates market access to discount cards for third-party retailers. The company provides two membership tiers. A Premium Membership costs $29.95 monthly. The Ultimate Membership charges $159.95 for the first month, then $29.95 each month after.

The compensation structure reveals the company's true focus: recruitment. Paid 2 Save uses "Customer Points" (CPs) to rank affiliates across seven membership levels, from basic Affiliate to Double Diamond. Double Diamond requires 280 CPs. Only Ultimate Membership sales generate CPs, showing where the financial incentives lie.

Premium Membership sales pay out small amounts. An affiliate's first two sales go towards their own membership cost, crediting back $14.95 and $15. From the third sale onward, affiliates receive $20 for the first month, then $12 in subsequent months. These figures aim to appear credible while directing attention elsewhere.

Ultimate Membership drives the cash flow. Basic Affiliates get $30 per recruit. Sapphire members earn $35, Ruby gets $40, and Pearl members receive $45 for direct recruits, plus $5 for second-level recruits. Emerald members get $50 and $5. Diamond members earn $55, and Double Diamond members top out at $60. The system pays more for directly recruited members and less for those brought in by their recruits.

Paid 2 Save rebooted its entire operation in November 2016. This suggests the original compensation plan had reached its limit, a common event in MLMs facing market saturation or regulatory review. The company shifted to a revised opportunity that month.

Affiliates must recruit others and advance them through ranks to make significant money. Discount card sales themselves generate minimal income, particularly at lower membership levels. A Pearl member makes just $5 per second-level recruit on Ultimate Memberships. This small sum keeps people focused on climbing ranks rather than on retail sales.

This structure ensures most participants lose money. Affiliate membership fees, monthly costs, and pressure to buy inventory or maintain ranks create expenses. Recruitment commissions rarely cover these costs. Only those who joined early and sit at the top earn sustainable income. Others feed the system, believing they run their own business.

Paid 2 Save operates in the unclear space between MLMs and discount clubs. Its economics, however, tell a clear story: the company functions as a recruitment scheme selling the idea of passive income from downline commissions.