Pipcy vs The Upside Funding: Head-to-Head Comparison (2026)
Verdict: Who Wins?
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Head-to-Head Comparison
| Pipcy | Metric | The Upside Funding |
|---|---|---|
| - | PFM Score | 6.4/10 |
| 4.3/5 (42) | TrustPilot | 4.8/5 (43) ★ |
| - | Safety Grade | A ★ |
| 39.6 F | Trust Score | 74.2 B+ ★ |
| Up to 95% | Profit Split | 95% |
| None. Pipcy publishes no daily loss limit on any challenge model, and no trailing drawdown; only the overall max loss applies (12% absolute on Classic, 250 pips on Pips Mastery). | Daily Drawdown | 1-Step: no daily, 4% trailing / 2-Step: 4% daily static, 8% total static |
| Every 7 calendar days | Payout Frequency | Fast payouts (on-demand) |
| $21 ★ | Starting Price | $34 |
| White-Label | Technology | Proprietary |
| MT5, Pipcy Trading Platform | Platforms | cTrader |
| No | Direct Path to Funded | No |
| United Arab Emirates | Country | Hong Kong |
| - | Established | Jan 2020 |
| 24 options | Challenge Options | 12 options |
Price Comparison by Account Size
Cheapest challenge price at each account size (where both firms offer the same size)
| Account Size | Pipcy | The Upside Funding | Savings |
|---|---|---|---|
| $5K | $31 ★ | $59 | Save $28 |
| $10K | $45 ★ | $99 | Save $54 |
| $25K | $109 ★ | $199 | Save $90 |
| $50K | $195 ★ | $349 | Save $154 |
| $100K | $415 ★ | $589 | Save $174 |
Pipcy vs The Upside Funding: Detailed Analysis
Pipcy and The Upside Funding are both CFD firms.
Pricing
In terms of pricing, Pipcy is more affordable with challenges starting at $21, which is $13 less than The Upside Funding's starting price of $34. Pipcy offers 24 challenge options, while The Upside Funding offers 12.
Account Sizes
On account sizing, Pipcy offers account sizes from $5 to $100 across 5 funding tiers, while The Upside Funding offers account sizes from $2 to $100 across 6 funding tiers. Picking the right tier matters because both the entry cost and the maximum capital you can scale to are tied to the account size you start with.
Trading Platforms
For trading platforms, Pipcy supports MT5 and Pipcy Trading Platform, while The Upside Funding runs on cTrader. If you already trade on a specific platform, this can be the deciding factor between the two.
Profit Split & Payouts
Pipcy offers Up to 95% profit split, while The Upside Funding offers 95%. Pipcy pays out Every 7 calendar days, and The Upside Funding pays out Fast payouts (on-demand).
Risk & Drawdown Rules
Risk rules are a key difference for funded traders: Pipcy lists its daily drawdown as "None. Pipcy publishes no daily loss limit on any challenge model, and no trailing drawdown; only the overall max loss applies (12% absolute on Classic, 250 pips on Pips Mastery).", while The Upside Funding lists "1-Step: no daily, 4% trailing / 2-Step: 4% daily static, 8% total static". Always confirm the drawdown type before buying, since a trailing rule behaves very differently from a static end-of-day one.
Trust & Safety
For trust and reputation, Pipcy has a 4.3/5 TrustPilot rating with 42 reviews, while The Upside Funding has 4.8/5 with 43 reviews.
Who Should Choose Which
So who should pick which? Pipcy is the stronger choice for budget-conscious traders, while The Upside Funding is the better fit for trust & reputation.
Overall, The Upside Funding edges ahead winning 4 out of 6 categories we compared. However, the best choice depends on your specific needs - both firms have their strengths.
Pros & Cons
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Frequently Asked Questions
Which is better, Pipcy or The Upside Funding?
The Upside Funding scores higher overall, winning 4 out of 6 comparison categories including Overall Rating, TrustPilot, Safety Grade. However, the best choice depends on your trading goals and priorities.
Which is cheaper, Pipcy or The Upside Funding?
Pipcy has the lower starting price at $21. Pipcy offers 24 challenge options starting from $21, while The Upside Funding offers 12 options starting from $34.
Which has better reviews, Pipcy or The Upside Funding?
The Upside Funding has a higher TrustPilot rating of 4.8/5. Pipcy has 42 reviews while The Upside Funding has 43.
Which offers a higher profit split, Pipcy or The Upside Funding?
Pipcy offers a higher maximum profit split. Pipcy offers Up to 95% while The Upside Funding offers 95%.
How fast do Pipcy and The Upside Funding pay out?
Pipcy has Every 7 calendar days payouts while The Upside Funding offers Fast payouts (on-demand) payouts. Payout speed can be an important factor when choosing a prop firm.
Are Pipcy and The Upside Funding legit?
Both firms have been independently verified by PropFirmMap. Pipcy holds a unrated safety grade and a 4.3/5 TrustPilot rating. The Upside Funding holds a A safety grade and a 4.8/5 TrustPilot rating. Safety grades are based on payout history, community trust signals, and regulatory transparency.
Which is better for beginners, Pipcy or The Upside Funding?
Pipcy may be more accessible for beginners due to its lower entry price. When starting out, consider challenge cost, drawdown rules, and profit split. Use the comparison table above to find which firm fits your experience level and risk tolerance.
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