The payout quality rule on a funded account
A 70% concentration cap on any single day's profit within the payout cycle, the clean route with no penalty, and exactly what happens if you request a payout while over the cap.
On a funded account, your largest profitable day must not exceed 70% of the account's total net profit (total net profit being the final profit figure on your MetaTrader statement). This “concentration percentage” is shown live in your dashboard; as long as you stay under 70% you receive your full share with no penalty.
Unlike the challenge stage, where the 40% gross daily profit cap applies, a funded account has no minimum trading days, and this concentration cap is the only quality measure.
What exactly does this rule measure?
It measures the “concentration percentage”: your largest profitable day's share of the account's total net profit (the final MetaTrader statement figure). If that share goes above 70%, your profit is too concentrated on a single day. The figure is always visible in the dashboard so you know where you stand before submitting a payout request.
If your largest profitable day is 70% or less of the account's total net profit, the payout proceeds normally: each event settles up to $5,000 of gross profit at your 80% share, and the rest stays in the account for later cycles. If you are above the cap, the best move is not to request, and to keep trading until the concentration falls below 70%.
This is not a drawdown breach and your funded account is not closed. But the offending day is excluded in full from the payout calculation and the remaining profit is paid at your normal share.
What exactly happens?
- The entire trading result of the offending day is set aside — both that day's profit and that day's loss.
- The remaining profit is calculated and paid at your normal split (80/20, or 95/5 with the upgrade).
- Your profit-split percentage is not reduced; the only consequence is the removal of that one day.
- Profit from other days is unaffected and your funded status remains intact.
A full worked example
- Account total net profit (MetaTrader statement): $10,000
- Largest profitable day: $7,500
- That day's permitted cap (70% of $10,000): $7,000
- Because $7,500 exceeds $7,000, that day breaks the rule and is set aside in full — profit and loss both.
- Profit remaining after removing that day: $10,000 − $7,500 = $2,500
- Paid at the normal 80% share: $2,500 × 80% = $2,000
The trader receives $2,000 and their profit-split percentage does not change at all.
In this same example, had you traded a little more before requesting so that day's share fell below 70%, no day would have been removed and your share would have been calculated on the whole $10,000. The difference between those two decisions is very large.
How do I avoid the penalty?
- Before every payout request, check the “concentration percentage” in your dashboard; if it is above 70%, do not request.
- To reduce concentration, keep trading and spread profit over more days until the largest day's share falls below 70%.
- Remember that once a request is submitted it cannot be cancelled.
Where the rule applies
| Product | Phase one | Phase two | Phase three | Funded account |
|---|---|---|---|---|
| Master | — | — | — | ✓ |
| Phoenix | — | — | — | ✓ |
| Triple | — | — | — | ✓ |
Funded accounts only. In the evaluation phases the equivalent is the 40% daily profit cap.
How it differs from the challenge-stage rules
| Criterion | Challenge stage | Funded account |
|---|---|---|
| Name of the rule | The 40% daily profit cap | Payout quality |
| One day's concentration cap | 40% of the phase target | 70% of total net profit |
| Minimum trading days | 3 trading days | None |
| Consequence of requesting while over | That day's profit removed in full from the phase calculation | The offending day removed in full; remaining profit paid at the normal share |
Frequently asked questions
If my concentration is above 70%, is my payout rejected outright?
The payout is not rejected. But the offending day is set aside in full — profit and loss both — and the remaining profit is paid at your normal share (80/20); your profit-split percentage does not change. Because the whole day is removed rather than just the excess, it is better to bring the concentration below 70% before requesting.
Can this rule cost me my funded status?
No; this is not a drawdown breach and your funded account is not closed over profit concentration. Its effect is limited to the calculation of the payout you submitted while over the cap.
How do I know whether I am over the cap?
The “concentration percentage” is displayed live in the funded account dashboard. Always check it before submitting a payout request.
Related articles
The conditions for the first payout, the cycles that follow, the settlement cap per event, and a full worked example of the profit split.
How each day's share of the phase target is calculated, and what happens at review if that share exceeds the 40% standard.
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