Beware! 9Returns has stopped paying! Do not invest there!

Hi everyone! I hope you’re all keeping well after the weekend and are looking forward to what new opportunities might come our way in the HYIP industry. One of the more recent programs to be added to my monitor is called 9Returns. And it’s also one of the most promising. Experienced investors will know that when the industry seems to be entering it’s quietest period (as we are seeing now) is often the most successful time for admins to launch what continue on to become the next big industry giant. Sort of like having a clear playing field if you prefer, less competition and easier to establish your name. So with that in mind I think that 9Returns might just turn out to be one of the highlights of the coming months. Without getting too carried away at this early stage of course, I mean they still have a lot to prove and anything can happen, but a lot of the expectations are that this one is going to be hot pretty soon. They’ve already gotten to a flying start if the early feedback I’ve gotten from some readers is anything to go by.

So what’s it all about? Well, 9Returns is mostly more of a medium term program, but in keeping with some recent trends in the industry they also offer a perpetual plan. In other words there is no expiry date. Once you are in, you stay in, and you will be paid a daily rate of interest for as long as the program is in operation. There is no opt-out clause so you can’t ask for your principal back, but if this doesn’t suit you then 9Returns have two fixed term options for you to think about as well.

The first of three available plans to 9Returns members is called The All Tech Plan. The minimum spend here is $10 which makes it the most affordable option and therefore the one I’ll start with. Alternatively if you can afford it 9Returns will take anything up to a maximum if $10,000. Whatever you spend, all deposits big and small are rewarded with the same rate of interest regardless of size. The rate is 2.5% per calendar day and will continue for how ever long the 9Returns admin manages to keep the program running, i.e. no expiry date. The only really important statistic you need to know about here is the break even point. This comes after 40 calendar days (40 payments that is) at which point you will have earned back an amount equivalent to your initial investment so everything you collect from that point on is net profit.

Can’t wait that long? If you are prepared to make a $50 minimum investment then 9Returns have something a bit faster. It’s called The Vitals Plan and please note that the payments change to business days only this time, in contrast to the calendar days for the previous option. The term is 25 business days (which is five weeks) during which 9Returns are offering a daily payment of 6% interest, Monday to Friday. Your principal is already included as part of the payments so you should break even after 17 business days and complete the term with payments totaling 150% of your investment. That’s your own money back plus 50% extra as your reward. 9Returns have an upper limit of $1,000 placed on deposits here, and it’s probably the plan I’d see most people favoring.

The third choice requires a minimum investment of $1,001 so it’s big time players only I’m afraid. The term shortens to 20 business days (four calendar weeks) with 9Returns members expecting a daily interest payment of 8%. With your principal already being factored in as part of those payments, the break even point comes after 13 payments, and you finish the term with 160% in total. That’s your own money back plus an extra 60% from 9Returns in net profit. Not hugely advantageous over the last plan in that sense it must be said when you consider the financial risk you take for a little bit more profit paid out just a little bit faster. Starting at a hefty $1001 it’s clearly not suitable for everyone but still there will be a lot more than just a handful of takers for this one I think if 9Returns can establish themselves as a stable operation that can be trusted to provide a consistent level of payments and support to members. The ball is firmly in the admin’s court on that front so it’s up to him to prove himself worthy of that kind of trust.

The next thing you will need to know about making an investment with 9Returns is what is your choice of payment options. As far as current industry standards go it’s reasonably good. You have the more conventional third party style payment handlers in PerfectMoney, Payeer, AdvCash, and NixMoney. And then you have BitCoin for those who prefer to take a more direct route and spend their own digital e-currency. Enough in there to satisfy the majority of readers I would think. Payments to members are made manually by the 9Returns admin and so need to be requested from you members area. Something we need to be very clear about here is the payment schedule, as this could be very confusing. You see, the FAQ states the 9Returns admin makes manual payments from Monday to Friday, and members are asked to allow up to 48 hours for all transactions to be completed. This isn’t actually the case. Payments are made manually alright, but are made on calendar days. So if you are withdrawing money over the weekend you should have a reasonable expectation to be paid about as quickly as you usually are any other day of the week. I imagine the 9Returns admin will change FAQ in due course to reflect this.

Moving on to some of the more technical aspects of 9Returns and their website now such as design and security, they are hosted on a dedicated server with the support and anti-DDoS protection of CloudFlare. The script is custom made. Although I said in my introduction that it was from 2GoSoft, the admin corrected me to say it isn’t from them. Not to drag this too far off topic, anyone who regularly plays rev share and matrix style programs will know what this particular script looks like, so in the case of 9Returns you might think it has a very familiar feel to it and is easy enough to navigate. Even if it does borrow very heavily from the appearance of 2GoSoft, being custom made for the program will help the admin make any changes and improvements a lot faster and more efficiently should the need ever arise. There is also a superior Green Bar SSL secure connection encryption certificate from GeoTrust to allow safer browsing and financial transactions in the 9Returns website. The domain name has been registered until 2026, not that I’m trying to suggest the program will be around quite that long or anything but it shows some amount of planning and foresight by the admin, most likely a professional who prefers to deal with things today and not have them become problems for tomorrow.

Customer support is currently available directly via e-mail, but do of course refer to the website’s FAQ page before doing anything. The admin has been quite responsive up to now and very engaging whenever I raised any questions. Try also the website’s built-in Live Chat widget to see if you find an operator there. It isn’t a 24 hour service, but if there’s someone online they may be able to help you immediately. If it helps anyone, 9Returns is professionally translated into Russian and Japanese, so that should make things easier to understand for a lot of people. You will also be able to find 9Returns on many of the popular social media networks such as Facebook, Twitter, Instagram (although I don’t know why that last one would be helpful), plus Skype and Telegram for support. A regional representatives page is included on the 9Returns website, though as the program is still brand new there are no names in it at the time of writing. I imagine it’s open to applications so get in touch with the admin if this is something that interests you. There’s a postal address in the UK where 9Returns is registered as a company, and while as always I would dismiss this as most likely a serviced workspace used for registration purposes, it comes with a phone number so feel free to call if you expect someone might answer.

People are always going to have their own opinions regarding the supposed business activities and the legal status of online HYIPs of course, and many will not be swayed from their first impression no matter what. In this case the claim is made that 9Returns is “an investment management platform”, though not much else that you can independently research and verify. I’m approaching 9Returns purely as an online HYIP myself obviously, and strongly suggest you do the same. There’s nothing wrong with that and so far I’m pleased with what I see. The admin has like I said a lot to prove, but I for one am happy to give him every opportunity to establish himself and his program and to earn his reputation. That should not mean that don’t put your own interests and safety first. So set what is to you a sensible spending limit you can comfortably afford to live without and easily earn back from other income sources were you to lose it. And if joining 9Returns at all then use them as a smaller part of a wider more diverse portfolio.

So what do you guys think? Will you be joining 9Returns or do you think you’re going to pass on it this time? Maybe you’ll just think about it for now? If you have a moment to spare please share your thoughts with your fellow MNO readers in the following opinion poll about the program. Remember it’s completely anonymous and untraceable, and will give us all (investors and admins alike) a better picture of what you like to see in a program when deciding if it’s good enough for you or not. So:

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DAILY NEWS FROM THE HYIP INDUSTRY

9RETURNS – FIRST SUCCESS AND MAIN PLANS FOR THE FUTURE

Staying on the subject of 9Returns, the program has celebrated its first week online with the admin issuing a newsletter to commemorate the event on Sunday night. According to him, the first week saw impressive growth with the membership reaching over five thousand investors in just the first four days of opening with an impressive initial investments of $180K poured into the program. I can second the admin in that regard as 9Returns is by far the most popular new program with my readers over the last few days. The admin himself sounded very optimistic regarding the program’s future prospects and cited the official recognition of BitCoin by Japanese authorities as an important factor in increasing 9Returns‘ presence in the Japanese market and all Asian markets in general. For exactly that purpose the website will have a Vietnamese language version available soon and some other languages on demand will follow soon as well. There was more to talk about in the newsletter as you can see in the full version re-posted below:

“Exciting First Week!!!!
This has been an exciting week for us as a company. We were thrilled by the kind of response we received. Even though we haven’t really started our marketing campaign, people are voluntarily coming forward, talking about us and promoting us in HYIP monitors, FB pages, Telegram and others. This clearly shows the professionalism we put in while creating the program and it is paying back now. We must also thank those who put in their trust and promoting us.
Kudos to Japan Government. The official recognition of Bitcoin by Japan government is a good sign. This will surely increase our investments from Japan; we are working on attracting more investors from this country.
As for the statistics of the first week the numbers surely went beyond our expectations. The number of visitors and investors is also quite high and to our surprise investors are coming from all around the globe.
Our community has already reached to 5000 members in just 4 days and they invested $180k till today with us. Out of the three plans we offer, the third plan, The Big Wheels, attracted most of the investments.
Although the impact of United States’ new climate change policy on climate is a much debatable topic, the US Prez’ new decision surely does helped the performance of Oil stocks in market and we made some fancy profits out of it.
What is to look out for?
• As we are getting numerous requests from Vietnam, we are trying to include Vietnamese version in 9Returns by next week.
• Based on the market requirements we will include other International languages as well.
• We are also increasing our server strength to accommodate the surge in traffic.
• We have lot of open slots for representatives, so any interested investor can contact us and soon a separate Telegram Group is going to be created for Representatives.
• We have received numerous inquiries with regards to bonus, we are thinking on that and will soon come up with an announcement.
Let us take this opportunity to thank everyone who joined us and we welcome those who are ready to join. We wanted to stand alone in the market like a north-star in the sky, we are trying hard to achieve that status and we need your continued support in this journey.
—-9Returns Team”.

JEWELSCASH – BILINGUAL TELEGRAM CHAT AND NEWS CHANNELS AND COMPANY’S INCORPORATION IN THE UK

If you haven’t read my review of JewelsCash posted over the weekend, then it might be hard to understand the uniquely designed investment offers. The thing is they are grouped into three categories and the condition of joining every subsequent group is the completion of one full investment cycle in the previous one. All plans offered by JewelsCash can be also divided into two categories – returning principal on expiry (1% for 3 days, 1.3% for 9 days, 1.25% for 12 days, 1.5% for 18 days, 1.42% for 21 days, 1.7% for 30 days) and including principal into daily earnings (4.83%-5% for 30 days, 4.22% for 45 days). It’s a very simplified naming of the investment plans and for more information on how they can be accessed for investing and unlocked one by one check out the full review of JewelsCash posted here. Another great feature of the program discussed in the review if the huge variety of payment processors and even an internal exchange system in place with investments accepted via PerfectMoney, Payeer, BitCoin, AdvCash, BTC-E, YandexMoney, Qiwi, and YandexMoney starting from $10 or its equivalent in other currency. JewelsCash is also famous for its implementation of various new features to maintain interest in the program and sustain its rapid growth around the world. Over the last couple of days two more updates were put in focus for the program’s members. One introduced the official launch of the program’s bi-lingual (available in both English and Russian languages) Telegram chat and news channel. The second one has literally nothing to do with the program’s legal status, however, the incorporation in the UK is already such a standard procedure that costs admins peanuts and can be done completely anonymously online, and yet might be seriously taken by some newbie investors. Both updates containing the links to the Telegram chats and new channels and UK incorporation documents can be found below:

“Telegram chat and News channel
Today Telegram chat and News channel were created. Now everyone can communicate with other investors and get the news of the project very quickly. In a chat it is strictly forbidden to ask for information to enter your personal cabinet, send out any content that is suitable for SPAM, and insult or humiliate other participants. In case of violation – you will be blocked.
Telegram chat for Russian-speaking users – JewelsCashChat_ru
Telegram chat for English-speaking users – JewelsCashChat_eng
News channel for Russian-speaking users – JewelsCashNews_ru
News channel for English-speaking users – JewelsCashNews_eng
Also on the contacts page you can always see links to our chats and channels.
Sincerely, Administration JewelsCash”.

“Official company
Today we have finished the official registration of the company. We have an official certificate, which confirms our present existence. You can check the existence of the company here. See the certificate – here.
Regards, Administration of JewelsCash.”

RICHMONDBERKS – SEVEN TYPES OF INVESTORS, WHAT’S YOURS?

Quite an interesting classification of investors was offered in the latest post from RichmondBerks‘ news blog. They are divided into seven categories and the admin asks which category everyone falls into. I hope it’s not the last one, although for the admin of RichmondBerks (reviewed here) that would be the preferred type who invest $5K and more. I wouldn’t call them “Titans” though, but rather fools or newbies. Even with such seemingly great programs as RichmondBerks that is paying instantly to members’ PerfectMoney, Payeer, BitCoin, AdvCash, or NixMoney payment accounts and promising 1.6% interest every business day and 0.7% on Saturdays and Sundays you should never let your guard down and be cautious how much you invest there. In any case, I believe that some of you might be curious as to what category according to RichmondBerks‘ definition he relates to. See below:

“7 types of RichmondBerks clients – which one is yours?
Hello, everyone! It’s RichmondBerks. Today we’ve prepared a special post for you. And first of all… It’s about you. For the last month we have been examining client’s patterns and found out there are 7 typical types of clients’ behavior. Can you find yourself among them? Here they are.
Type 1: “Testers” (deposits $10-100)
This one is typical for new clients. They are making a small deposits to test the system mechanics and then in 1-2 weeks turn into other types.
Type 2: “Current makers” (deposits $10-100)
This type of clients make average deposits of $10-100 but unlike the previous type they take advantage of quantity. They usually make 10-30 parallel streams which form a huge stream of revenue. This tactics also allows to quickly withdraw money if necessary.
Type 3: “Affiliators” (deposits $10-100)
This type of clients make average deposits of $10-100 in order to test the system mechanics. But the main source of income for them is affiliate program which brings the most active partners up to $2000-10000 on average per month. There are “affiliate titans” as well which make up to $100 000 per month, but this type is kind of exception.
Type 4: “Low ball players” (deposits $100-300)
This type of clients use cautious strategy and make average deposits up to $300. Although, it is rather an intermediate type, which then turns in a next one. Nevertheless some clients use “low balls” for 2-4 weeks before going further.
Type 5: “Majors” (deposits $300-900)
This type is the most popular, because it provides decent income for the needs of the most people. Usually this type of clients make 3-5 deposits and then gains up to $50 per day. It’s quite enough for comfortable life in most countries.
Type 6: “VIPs” (deposits $1000-5000)
This type of clients tend to make the most advantages from achievements, RBBs and VIP status. This people usually create a daily income of $300-500 to feel comfortable in expensive European countries: Great Britain, Germany, Finland, etc.
Type 7: “Titans” (deposits $5000-500 000)
Well, its name speaks for itself. This type of clients love to play at high stakes and use money as a working tool to make even more money. That’s it.
What type of clients is the closest to you? Please, write in comments.
Are you a type that is not listed above? Write in comments as well!”

FATFUNDS – CALORIES BURNT DURING INVESTMENTS AND SEX

How many calories have you managed to burn after investing with FatFunds, guys? The program has apparently managed to attract over $25K in investments from members over its first week online, therefore having burned over 1,000,000 calories. What calories are we talking here, you might ask? Well, all the website of FatFunds is built on the premise of slimming advice and instead of buying junk food you’re offered a single investment plan. Starting from a $5 minimum, you get paid daily and directly to PerfectMoney, Payeer, AdvCash, or BitCoin a rate of 2.1% for the duration of 100 business days. This allows you to more than double your money by the end of the term. The cheeky website of FatFunds not only operate investments, but also offer several guides to a healthier lifestyle on their own blog. Sometimes, the posts can be quite cheeky and the latest one about burning calories over various sexual activities will make you smile for sure. The only thing we need to understand now whether FatFunds would be taken by investors seriously, as it’s obviously done as a game, not trying much to disguise it from others. Very different and maybe even a unique approach for sure, but will it be fruitful and successful at the end for the admin and the investors of FatFunds? Only time will tell, as the program has a long way to go before even the very first investors come to the break-even point. By that time, anyone will be able to get healthier and burn some calories with FatFunds (reviewed here) like the admin suggested in the latest newsletter reposted below:

“First 1,000,000 kcal!
Dear friends, thank you being with us!
Thank you for your desire to make yourself and the world around beautiful!
Congratulations on your first joint achievement! Together we burned our first million calories in the amount of $25,000. We became more slender, beautiful and healthy, and also took the first step towards financial stability and independence
$ 25,000 or 1,000,000 calories it is:
~19,000 portions of burgers with French fries;
~500 portions of onion rings;
~19,300 portions of escalope.
Remember that the main purpose of our project is to love each other, to be beautiful and happy!
We announce our next goal – 5,000,000 burnt callories!
For young and hot participants of our project we prepared hot post about what will help you burn calories with the maximum level of pleasure”.

SUNCOINZ – UNCLEAR STATUS WITH PAYOUTS, READERS ADVICE NEEDED

I myself am really confused about SunCoinz which I have been moving back and forth to On Hold status on my monitor over the last few days. And the reason for it is the payouts that used to be instant were either not processed instantly, or reportedly marked as having been paid without any batch number. Just today I was able to verify the complaint of one person which was not my referral in SunCoinz who claimed that his payment had not been processed and today’s payouts go to pending status instead of being paid instantly, as they are supposed to be. The strangest thing about that is I myself was able to get $9 paid instantly to my BitCoin account today, as usual, why the person who complained were not paid $1. What is the point for the admin to pay $9 instantly and withhold smaller withdrawals, I keep asking myself? Perhaps, there was a technical glitch, but BitCoin withdrawals are processed instantly. As in the recent email the admin himself stated some technical difficulties the SunCoinz website has been experiencing over the last few days, I’m now trying to seek for your advice, guys. Please share your feedback about payments from SunCoinz – are they instant as usual, manually processed, or not done at all? Let me know about it on the MNO ShoutBox or contact me via this page and that will certainly help me to further evaluate the program’s status that has been on Paying status on MNO for over five weeks now. Here’s the very latest I heard from the admin of SunCoinz:

“Dear investors.
The company has two days of maintenance.
But now the situation has been processed.
Thank you for your investors”.

ONEPUNCHLTD AND EDELWEISS5 – PAYMENT DELAYS IN BOTH, DO NOT INVEST!

Two programs were moved to Problem status on the MNO monitor earlier today following confirmed reports of delayed payouts. They are OnePunchLtd and Edelweiss5 and further investments in either cannot be recommended anymore. They will probably be downgraded to Scam status on my monitor if nothing changes by tomorrow.

Let’s start with OnePunchLtd. The program has performed overall quite well and managed to pay forty days in total which was more than enough to be in profit from either of their two investment plans, provided of course you got in and out at the right time. The result of OnePunchLtd was three months online including the time before it came to MNO. In the previous post I warned about the BitCoin withdrawal request delays which the admin himself was talking about in the last newsletter. For me it made no sense at all why he singled out BitCoin withdrawals while those to PerfectMoney and Payeer were processed on time. Well, not anymore, as of today OnePunchLtd has stopped paying to everyone altogether.

As for Edelweiss5, the first complaints started surfacing online a couple of weeks ago, but at the time I had no chance to verify them, mostly due to the program’s fortnightly payment schedule and its five business day waiting period on withdrawals. You should agree though that seven months on MNO is a very good result, even though Edelweiss5 used to pay very small returns of about 6% weekly. Even with this rate of interest and slow payouts you could easily double your initial deposit with Edelweiss5 provided you joined when it first appeared on MNO. Unfortunately, all good things in the HYIP industry (likewise in life) come to an end and the end of Edelweiss5 has come now. Stay away from the program, guys!

PAYZA – POSTS ON PRESTASHOP CART MODULE, ONLINE SECURITY HACK, BITCOIN ALTERNATIVE CRYPTOCURRENCIES AVAILABLE

You might have noticed that recently I have mostly neglected the latest news updates from Payza payment processor. The reason for it was simple – the MNO monitor at the moment has only one program left that accepts Payza – BandeiraCorp (reviewed here). That is about to change though as today a new program has purchased Premium Listing on MNO which accepts Payza, so I have decided to resume the updates posted by them. Why is this program not listed on the MNO monitor yet you might ask? Well, the waiting time before you see it actually listed on my monitor is due to me waiting to successfully withdraw the payment fee first. With the new program it might be just a formality, but I still need to wait a couple of more days, before the funds are cleared and I will be able to introduce it on MNO hopefully in just a few days time – but since Payza is officially accepted on the program’s website I don’t expect any difficulties. So stay tuned for more information soon, guys!

Even if Payza is not accepted by the vast majority of HYIPs you may still use it to your advantage, as there are lots of benefits for verified account holders, including the option to fund and withdraw from your Payza account to BitCoin, credit cards and directly via bank accounts, plus order their own pre-paid card and use more or less as your HYIP wallet where you can move your BitCoin earnings at any time you like. The fees in Payza are very reasonable and by opening an account there you’re mercifully spared having to use any third-party exchangers and save on fees. Payza is also very active in supplying clients with interesting articles and among the latest ones posted on their official blog which I’d like to share with you below are the following. Starting from an overview on PrestaShop as yet another shopping cart module available at Payza, some shocking revelations on hacked email accounts and databases available for purchase from cybercriminals, and finishing with a curious look at BitCoin’s best alternatives for 2017. All of this you will find in the latest blog posts from Payza posted in the chronological order:

“PrestaShop Review: Learn About Payza Shopping Cart Modules
Choosing the right shopping cart is not a decision to be made lightly. There are a lot of them out there and they don’t all support the same tools and functions, so you need to think about your customers’ needs and choose a shopping cart that supports the features necessary for your business. To help this process along, we’re offering our in-depth reviews of Payza-supported shopping carts.
PrestaShop Review (PrestaShop.com)
PrestaShop is one of the most widely-used e-commerce solutions in the world, it is included on 0.5% of all websites on the internet. Published under the Open Software License (OSL), PrestaShop’s popularity among websites using open source technologies is 9% – meaning roughly 1 out of every 11 websites using open source software is using PrestaShop.
One of PrestaShop’s most popular features is their shopping cart software. In our overview of the best shopping cart options for Payza users, we’ve already taken an in-depth look at Magento and WHMCS, two very powerful and popular solutions. Compared to those platforms, PrestaShop has two very attractive advantages.
One-Stop Shop
Uniquely, PrestaShop offers a complete shopping cart software package, perfect for merchants who have no developer skills of their own. The installation is known for being one of the most painless on the market, and the backend interface is intuitive and easy-to-use, allowing even total beginners to build and customize their shopping carts.
Free service with paid add-ons
Equally important for online sellers just starting out, PrestaShop is the only free, fully hosted open-source e-commerce shopping cart platform on the market. There is no trial period – it is free to use for as long as you want to use it. There are paid add-ons and additional features, but everything you need to run a customized shopping cart for your online store is available to you at no charge.
The freemium model allows PrestaShop to eliminate the financial barriers to online entrepreneurship that can deter cost-averse merchants, but the inclusivity of this solution doesn’t stop at price. PrestaShop is offered as either downloaded or cloud-hosted software and available in over 60 languages, so e-tailers all over the world can host their online stores in the cloud, helping to make e-commerce accessible globally.
Downsides
The downside of the freemium model is that PrestaShop’s income is limited to the sale of add-ons, so they are not able to provide dedicated support staff. Instead, there is a community of open-source developers that maintain an official PrestaShop forum, where users can get help for their issues.
PrestaShop is also well aware of its role and popularity among small businesses, entrepreneurs, and others who are new to e-commerce, so it foregoes some more intensive features and functionality in favor of usability and accessibility. For this reason, Magento is a better choice for large established businesses with dedicated developers on staff who want something fully versatile and customizable, while PrestaShop offers a more basic, entry-level platform that still offers everything a small business could need.
Pros: Totally free-to-use, Comes with built-in shopping cart templates, Easy, intuitive administration panel
Cons: Less out-of-the-box and custom features, Limited SEO functionality, No dedicated support team
Payza-integrated shopping carts allow merchants to provide a simple and familiar checkout option for their customers. Your clients can make single-step, multi-item purchases and every transaction will be securely and instantly processed by Payza. PrestaShop’s free, secure and open source shopping cart platform comes complete with over 275 features that have been carefully developed to assist business owners in increasing sales with little effort.
PrestaShop – “PrestaShop was founded in 2007 with a mission to provide world-class ecommerce software through open source innovation. Today more than 250,000 ecommerce stores in 195 countries run on PrestaShop technology.”
DOWNLOAD THE PRESTASHOP MODULE: PrestaShop Shopping Cart Module for Payza”.

“Review Your Online Security: Large List of Hacked Email Accounts Being Sold Online
The internet can be a dangerous place, so we want to make sure you are protected. Payza takes your security very seriously and we take all the necessary precautions to protect your information and your money, but there are things you can do as well.
A new report came out last week detailing how 21 million Gmail accounts and 5 million Yahoo accounts are being sold online, all for less than $500 USD. It’s a scary reminder of how easily and freely sensitive information like this can flow through the internet.
It’s also a reminder about how important it is to use techniques that will help you protect yourself against these data breaches, even if your information is compromised.
How hackers use your data
When hackers get a hold of usernames and passwords they will often try them on lots of different websites. Hackers know that most people use the same password for all, or most, of the websites they log into.
This is why you should always choose a unique password for your Payza account. If one of your username and password combinations has been compromised, don’t put your Payza account at risk. Keep it safe by using a different password for Payza than you use for other online accounts, especially your email account.
Most of the passwords that were discovered for sale were compromised in breaches from 2016 or earlier. If you haven’t updated your passwords in the last three to six months, it’s a good idea to change them as soon as possible.
This type of security breach is unfortunately becoming more and more common. That is why we recommend updating your passwords regularly.
Payza’s tips on good password practices
At Payza, we’re always looking for ways to keep your data secure. We have procedures in place to protect your information and your money, and we are constantly reviewing and improving our security practices. We do our part, but the most effective way to protect your account is in your hands: using a strong, unique password and updating it regularly.
Here are some tips on how to make sure your account is as secure as possible:
Use a unique password for your most important accounts: Ideally, you should use a unique password for every website you use. We understand that can sometimes be difficult, so we’ve already written about a good password formula that will help you accomplish this.
If you do end up deciding to use the same password for multiple websites, you should still pick a new password for highly sensitive accounts, like your email accounts and e-wallets. This will help protect your accounts if one of the sites you used is ever compromised.
Update your passwords regularly: Hackers can’t use your old passwords against you if you’ve already changed them. Even when a big security breach occurs, it usually takes time for attackers to use the information they’ve collected. By changing your passwords regularly, and always picking new passwords that you’ve never used before, you will make it very hard for attackers to do anything with your information even if they do get their hands on it.
Check if your accounts have been compromised: There are online databases that keep track of security breaches and that can help you discover whether or not your accounts have been hacked. You can use sites like https://hacked-emails.com/, https://www.hacked-db.com/ and https://haveibeenpwned.com/ to check if your account has ever been compromised. If it has, be sure to update your passwords right away!
For more security news and tips from Payza, visit the Online Security section of the Payza Blog.”

“Beyond Bitcoin – Cryptocurrencies and Altcoins to Watch in 2017
It’s telling that one of the most popular colloquial terms for a cryptocurrency is “altcoin”, a portmanteau of “alternative” and “bitcoin”. Bitcoin, the original cryptocurrency, has become so ubiquitous that it is the definition of its own category. But the future of Bitcoin is currently in question and, because of this uncertainty, many traders are switching to other cryptocurrencies.
On March 10, Bitcoin hit an all-time high trading value of $1,325 as investors banked on a US proposal for a bitcoin-backed exchange-traded fund (ETF). However, the proposal was rejected by US authorities, which happened to coincide with a crackdown on bitcoin exchanges by Chinese regulators. Together, these two events caused Bitcoin’s value to drop by over $300.
The root of the problem putting the future of Bitcoin in question is scaling: Bitcoin is becoming too popular for its own infrastructure. The number of Bitcoin transactions that can take place at any given time is limited, which is causing a backlog of transactions in queue for processing, slowing down the whole system. This is because of the limited computing power of the blockchain, a distributed database that records all transactions and serves as a public ledger. In some cases, the backlog becomes so great that some Bitcoin transactions are not confirmed for hours or even days, and in some cases, the bitcoins being sent never reach their intended destination.
The Rise of Cryptocurrencies
Blockchains, invented in 2009 by the anonymous developer of Bitcoin, would prove to be a core technology of all cryptocurrencies. Blockchains are the key software that allows digital currencies to break the double spending problem by timestamping transactions into a public ledger on a peer-to-peer network. Without this solution, double spending represented a flaw in which the same digital token can be spent twice, rendering it useless as a currency. This technology allowed bitcoin and other digital currencies to be decentralized.
Cryptocurrencies are a subset of digital currencies, distinct in that they are decentralized: they are not tied to any real-world assets, not backed by any government or central bank, and no one is required to accept them as valid forms of payment or exchange them for any real-world currencies. Nonetheless, Bitcoin became so successful that it is now accepted by major companies such as Microsoft and Dell. You can even use Bitcoin at some brick-and-mortar stores and coffee shops around the world. In fact, there’s a coffee shop in Prague that only accepts payment by Bitcoin!
Naturally, Bitcoin’s success inspired imitation. Many copycat coins failed, but those that refined and built upon Bitcoin’s model attracted investors looking to capitalize on the technological innovation promised by these new altcoins. While some digital currencies like Litecoin and Dogecoin may have already hit their high water mark, there are still lots of intriguing cryptocurrencies that have something new to offer.
Here are the up-and-coming Bitcoin alternatives to keep an eye on in 2017.
Today’s Top Altcoins
Ether (founded 2015)
Shortly after Bitcoin’s crash in mid-March, Ether, the cryptocurrency that powers the Ethereum network, reached an all-time high trading value, surpassing $55 on March 16. Ethereum is an interesting case, as 2016 saw its value rise and fall erratically due to the same scaling problem Bitcoin is currently facing. To solve it, Ethereum split their blockchain into two parallel streams, a solution bitcoin has sought to avoid.
Known as Ethereum and Etherium Classic, these two cryptocurrencies both trade in Ethers, but they can have two different values depending on which stream they belong to, which can rise and fall independently of each other. Microsoft, the Royal Bank of Scotland, and J.P. Morgan Chase are all investing in proprietary software built on top of the Ethereum blockchain, lending credence to Ether’s reputation as a preferred network for digital software applications.
Zcash (founded 2016)
Zcash is one of the highest-valued cryprocurrencies today, currently trading around the $65 mark. The success of Zcash in what is now a very competitive landscape is due to its revolutionary, totally anonymous blockchain. The public ledger reveals no information about the parties involved or the amounts transacted; no other cryptocurrency provides complete privacy and anonymity.
Dash (founded 2014)
The third most valuable cryptocurrency by market capitalization behind Bitcoin and Ethereum, Dash hit an all-time high of $108.32 on March 20. This is a huge leap in value from its 2016 peak of $14.42.
After two different name changes, it appears Dash has finally taken off, driven by its proprietary InstantSend technology that allows transactions to be verified without the longer confirmation times of Bitcoin and other altcoins.
Monero (founded 2014)
From the beginning, Monero set itself apart from other cryptocurrencies in a way that is proving very important: scalability. Unlike Bitcoin and most altcoins, Monero has no hard-coded limit on its block size, meaning that it will never face the slowdowns that provoked Ether to split its blockchain and that are causing Bitcoin’s current existential crisis.
This scalability is key because the popularity of cryptocurrencies has now reached epic proportions. Bitcoin’s inability to handle its own popularity has led one of its key developers, Mike Hearn, to state that bitcoin is a failure as more altcoins rush in to take its place.
Nothing is certain in this crowded, complex market, and cryptocurrencies should still be seen as experimental and high risk in terms of an investment, but their potential power within the digital economy cannot be understated. More and more people are investing their real-world money in Bitcoin and altcoins, while businesses of all sizes have begun to accept cryptocurrencies in exchange for goods and services both online and in-store. If you’re curious about digital currency, now might be the time to start trading, and it’s still possible to find coins that have not reached their full potential yet and still have room to rise in value.
We’ve only skimmed the surface of the history, complexity, and capability of cryprocurrencies, but this is a subject we at Payza will be following closely in 2017. Subscribe to the Payza Blog to get email notifications about more in-depth articles about this and other FinTech disruptors, and follow us on Twitter and Facebook for even more e-commerce news from around the web.”

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