Is Topstep a Scam? Honest 2026 Review | Pass My Prop Firms
Trusted Prop Firm Passing Service • Est. 2020

Is Topstep a Scam?
The Honest 2026 Review

Discover the truth behind Topstep, one of the most searched proprietary trading firms in the world. We break down payouts, rules, challenges, and whether this Chicago-based firm deserves your trust — backed by real trader experiences and our professional Prop Firms Passing Service expertise.

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What Is Topstep & Why Traders Search “Is Topstep a Scam?”

Before we answer the burning question, let’s establish what Topstep actually is, why it has become one of the most searched prop firms globally, and why thousands of traders turn to professional Pass My Prop Firms services every month.

The Definitive Answer: Is Topstep a Scam in 2026?

No, Topstep is absolutely not a scam. Topstep is a legitimate, regulated, and highly respected proprietary trading firm headquartered in Chicago, Illinois. Founded in 2012, Topstep has built a reputation as one of the most transparent and trader-friendly prop firms in the futures trading industry. With over a decade of operation, thousands of funded traders, and millions of dollars paid out to successful traders, Topstep has proven itself as a credible platform for aspiring professional traders.

However, the question “is Topstep a scam” continues to trend on Google, Reddit, Trustpilot, and trading forums for several understandable reasons. Many traders fail their Topstep Trading Combine challenges and blame the firm rather than their own strategy. Others encounter strict rules around consistency, trailing drawdown, and payout requirements that feel restrictive when they’re not fully understood. This guide exists to separate fact from fiction and give you the complete picture.

Key Takeaway: Topstep is a legitimate prop firm with real payouts, real funded accounts, and real traders earning consistent income. The “scam” perception usually comes from traders who didn’t fully understand the rules before starting.

At Pass My Prop Firms, we have helped thousands of traders successfully navigate the Topstep challenge process through our professional Prop Firm Passing Services and Funded Account Management Service. Our team of experienced traders understands every nuance of the Topstep evaluation process, from the Trading Combine rules to the Express Account requirements, and we’re here to share that knowledge with you.

Topstep trading platform interface showing ES and NQ futures contracts

What Is Topstep Trading?

Topstep is a proprietary trading firm that provides traders with funded futures accounts after they successfully pass an evaluation challenge called the Trading Combine. The company is based in Chicago, Illinois — one of the world’s major financial hubs — and has been operating since 2012.

Unlike many newer prop firms that have appeared in the last few years, Topstep has a long track record of paying traders, supporting their growth, and maintaining transparent rules. The firm specializes in futures trading, offering access to markets like E-mini S&P 500 (ES), Nasdaq 100 (NQ), Gold (GC), Crude Oil (CL), and more.

Topstep is regulated and operates through partnerships with established futures commission merchants (FCMs) and clearing firms. This regulatory oversight is one of the key reasons why Topstep is considered legitimate compared to some unregulated forex prop firms that have emerged in recent years.

Why Do Traders Search “Is Topstep a Scam?”

Understanding why this question trends requires looking at the prop firm industry from the trader’s perspective. Here are the most common reasons traders question Topstep’s legitimacy:

  • Challenge Failure Rate: Many traders fail the Topstep Trading Combine on their first attempt. When traders lose their evaluation fee, they sometimes label the firm a “scam” rather than acknowledging they need better preparation.
  • Strict Rules: Topstep has specific rules around consistency, trailing drawdown, and daily loss limits. Traders who don’t read these rules carefully often get frustrated when their accounts are reset.
  • Payout Requirements: The payout process has specific requirements that must be met. Traders who don’t understand these requirements may feel misled.
  • Comparison with Other Firms: With hundreds of prop firms now available, traders often compare Topstep to newer firms with more lenient rules, leading to confusion.
  • Reddit and Forum Echo Chambers: Negative experiences get amplified on Reddit and trading forums, creating a perception problem that doesn’t reflect reality.

At Pass My Prop Firms, we help traders avoid these pitfalls through our professional Prop Firm Passing Service and comprehensive Funded Account Management Services. Our clients understand the rules before they start, which dramatically increases their success rate.

Trading dashboard showing account balance, profit and loss chart, equity curve, max drawdown and Sharpe ratio
Professional trading dashboard showing key performance metrics that Topstep funded traders monitor daily

Understanding Topstep: History, Regulation & Business Model

A comprehensive look at what makes Topstep one of the most established prop firms in the futures trading industry.

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Founded in 2012

Topstep has been operating for over 14 years, making it one of the oldest and most established prop firms in the industry. This longevity is a strong indicator of legitimacy.

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Chicago Headquarters

Based in Chicago, Illinois — the heart of American futures trading. TopstepTrader Chicago office serves as the operational hub for the entire firm.

Regulated Operations

Topstep operates through regulated futures commission merchants and clearing firms, providing traders with an additional layer of protection and oversight.

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Millions Paid Out

Topstep has paid out millions of dollars to funded traders since its inception, with transparent payout processes and multiple payment methods including PayPal.

Futures Focus

Unlike forex-focused prop firms, Topstep specializes in futures trading — ES, NQ, GC, CL, and more — providing access to some of the world’s most liquid markets.

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Trader Education

Topstep provides extensive educational resources, webinars, and support to help traders succeed, demonstrating a commitment to trader development.

Topstep’s Business Model Explained

Topstep operates on a straightforward business model: traders pay a monthly subscription fee to participate in the Trading Combine evaluation. If they meet the profit target while following all the rules, they receive a funded account. Topstep then splits the profits with the trader, typically on an 80/20 or 90/10 basis depending on the account size and performance.

This model aligns the interests of both parties. Topstep wants traders to succeed because profitable traders generate revenue for the firm. Traders want to succeed because they get access to significant capital without risking their own money. The evaluation fee covers the cost of running the evaluation platform, providing technology, and supporting traders.

Some critics argue that prop firms make money from failed evaluations. While it’s true that firms collect fees from traders who don’t pass, Topstep’s long track record of payouts and funded traders proves that the firm genuinely wants traders to succeed. A firm that only profited from failures wouldn’t survive for 14+ years in a competitive market.

Industry Insight: Topstep’s survival and growth since 2012 is one of the strongest arguments against the “scam” narrative. Scam operations don’t last 14 years, pay out millions, and build a reputation in Chicago’s competitive financial district.

Topstep Features, Rules & Account Types

Everything you need to know about Topstep’s evaluation process, account types, and trading rules.

Prop firm challenge passing success with profit chart and trophy

The Trading Combine: Topstep’s Evaluation Process

The Trading Combine is Topstep’s flagship evaluation program. Traders pay a monthly fee to participate and must reach a specific profit target while following all the rules. The Trading Combine comes in different account sizes: $50K, $100K, and $150K.

Key features of the Trading Combine include:

  • No minimum trading days requirement
  • Trailing drawdown that locks in profits
  • Consistency rule to ensure balanced trading
  • Access to all major futures markets
  • Multiple platform support including Tradovate, NinjaTrader, and TopstepX

Our Pass My Prop Firms team specializes in helping traders pass the Trading Combine through our professional Prop Firm Passing Service. We understand every rule and requirement, which is why our success rate is significantly higher than the industry average.

Topstep Express Account: The New Standard

In 2024, Topstep introduced the Express Account, which has quickly become the most popular option for new traders. The Express Account simplifies the evaluation process with clearer rules and faster progression to funded status.

Topstep Express Account Rules

The Express Account has specific rules that traders must follow:

  • Profit Target: Varies by account size ($50K, $100K, $150K)
  • Maximum Loss Limit: Fixed drawdown limit that cannot be exceeded
  • Daily Loss Limit: Maximum loss allowed in a single trading day
  • Consistency Rule: No single day can account for more than a specific percentage of total profits
  • Minimum Trading Days: Some accounts require a minimum number of trading days

Understanding these rules is crucial for success. Many traders fail because they don’t fully understand the consistency rule or the trailing drawdown mechanics. Our Funded Account Management Service at Pass My Prop Firms ensures that every trader we work with fully understands these requirements before starting.

⚠️ Important: The consistency rule is one of the most misunderstood aspects of Topstep. It requires that no single trading day accounts for more than a certain percentage (typically 30-50%) of your total profits. This ensures you’re trading consistently rather than relying on one lucky trade.

Funded trader success trophy with trading charts in background
Achieving funded trader status with Topstep opens the door to consistent income and professional trading opportunities

Topstep Account Sizes & Pricing

Topstep offers multiple account sizes to accommodate traders at different levels:

Account Size Profit Target Max Loss Daily Loss Monthly Fee
$50,000 $3,000 $2,500 $1,500 $165/month
$100,000 $6,000 $5,000 $3,000 $245/month
$150,000 $9,000 $7,500 $4,500 $365/month

Note: Pricing and rules may change. Always check the official Topstep website for the most current information. Topstep frequently offers promo codes and discounts, especially during special promotions. You can find the latest Topstep coupon codes and activation fee discounts through our partner network.

Topstep Payout Rules: How Long Does a Payout Take?

One of the most searched questions about Topstep is about payouts. Here’s everything you need to know.

Topstep Payout Process Explained

Topstep’s payout process is one of the most transparent in the prop firm industry. Once you have a funded account and have met the payout requirements, you can request a payout through the Topstep dashboard. Here’s how it works:

  1. Meet Payout Requirements: You must have traded for a minimum number of days (typically 10-11 days) and have profits available for withdrawal.
  2. Request Payout: Submit a payout request through your Topstep dashboard. This generates a payout certificate.
  3. Processing Time: Topstep typically processes payouts within 1-3 business days, though some traders report receiving funds even faster.
  4. Payment Methods: Topstep supports multiple payment methods including PayPal, direct bank transfer, and other options depending on your location.

Pro Tip: Many traders ask “how long does a Topstep payout take?” The answer is typically 1-3 business days from the time you submit your payout request. However, your first payout may take slightly longer as Topstep verifies your account.

Topstep Payout Rules You Must Know

  • You must trade for a minimum of 10-11 days before requesting your first payout
  • There’s a consistency requirement for payouts — no single day can account for too much of your profits
  • You can request payouts monthly once you meet the requirements
  • Topstep takes a percentage of profits (typically 10-20%) as their share
  • Payouts are processed in USD regardless of your location

At Pass My Prop Firms, we help traders not only pass the challenge but also understand the payout process. Our Funded Account Management Service includes guidance on payout optimization and scaling strategies.

Payout success with dollar bills and profit chart overlay

Topstep Scaling Plan: Grow Your Account

One of Topstep’s most attractive features is the scaling plan. As you demonstrate consistent profitability, Topstep will increase your account size and buying power. This allows successful traders to grow from a $50K account to $100K, $150K, and beyond without paying additional evaluation fees.

The scaling plan typically works like this:

  • Start with your initial account size
  • After consistent profits, receive a scaling increase
  • Continue scaling as you demonstrate performance
  • Maximum account sizes can reach $300K+ for top performers

This scaling opportunity is one of the reasons why Topstep is considered one of the top funded accounts providers in the industry. Traders who pass the challenge and demonstrate consistency can build a substantial income over time.

Topstep Platforms: Tradovate, NinjaTrader & TopstepX

Understanding the trading platforms available through Topstep and how to connect them.

How to Connect Topstep to Tradovate

One of the most common questions from new Topstep traders is “how to connect Topstep to Tradovate?” Tradovate is one of the primary platforms supported by Topstep, and connecting is straightforward:

  1. Log into your Topstep dashboard
  2. Navigate to the “Platforms” or “Connections” section
  3. Select Tradovate from the available platforms
  4. Enter your Topstep credentials to authorize the connection
  5. Launch Tradovate and your Topstep account should appear automatically

Tradovate is a cloud-based trading platform that works on desktop, web, and mobile. It’s known for its clean interface and powerful charting capabilities. Many Topstep traders prefer Tradovate for its simplicity and reliability.

How to Copy Trades on Tradovate

Another frequently asked question is “how to copy trades on Tradovate” or “how to copy trade on Topstep.” Trade copying allows you to mirror trades from one account to another, which is useful for our Prop Firm Passing Service clients who want to manage multiple accounts efficiently.

Trade copying on Tradovate can be done through:

  • Tradovate’s built-in trade copying features
  • Third-party trade copying software
  • Custom APIs and trading bots
  • Professional account management services like ours

Professional Tip: When using trade copying services, always ensure you’re working with a legitimate and experienced provider. Our Prop Firm Passing EA and account management services at Pass My Prop Firms are designed specifically for Topstep’s platform requirements.

Professional forex trader at multi-monitor trading setup
Professional traders use multiple platforms and tools to maximize their success with prop firms like Topstep

TopstepX: The Next Generation Platform

TopstepX (also written as Topstep X) is Topstep’s proprietary trading platform designed specifically for their evaluation and funded accounts. How to download TopstepX is a common question — you can download it directly from the Topstep website after signing up for an account.

TopstepX offers several advantages:

  • Purpose-built for Topstep’s rules and requirements
  • Integrated risk management tools
  • Real-time account monitoring
  • ATM (Advanced Trade Management) strategies
  • Seamless integration with Topstep’s dashboard

Topstep XFA Rules

The XFA (Express Funded Account) rules are specific to Topstep’s funded accounts. These rules include consistency requirements, maximum position sizes, and trading hour restrictions. Understanding XFA rules is crucial for maintaining your funded status and receiving regular payouts.

How Many Contracts Can I Trade on Topstep for Gold?

Contract limits vary by account size. On a $50K account, you typically have smaller position limits compared to a $150K account. For Gold (GC) futures, the contract limits are designed to manage risk while allowing sufficient trading opportunity. Always check the current contract limits in your Topstep dashboard, as these can change based on market volatility and firm policies.

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Tradovate

Cloud-based platform with excellent charting, mobile support, and intuitive interface. Perfect for traders who value flexibility.

NinjaTrader

Advanced platform with powerful automation capabilities, custom indicators, and extensive backtesting features.

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TopstepX

Purpose-built platform with integrated risk management, ATM strategies, and seamless Topstep integration.

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Quantower

Professional-grade platform with advanced order types, DOM trading, and institutional-quality tools.

Topstep vs Apex Trader Funding: Which Is Better?

A detailed comparison of two of the most popular futures prop firms in 2026.

Prop firm comparison analytics dashboard showing feature comparison
Side-by-side comparison of prop firm features helps traders make informed decisions

Apex Trader Funding vs Topstep: The Complete Comparison

One of the most common questions in the prop firm community is “Apex vs Topstep — which is better?” Both are legitimate futures prop firms, but they have different strengths and weaknesses. Here’s our honest comparison:

Feature Topstep Apex Trader Funding
Founded 2012 2016
Headquarters Chicago, IL Frisco, TX
Evaluation Type Trading Combine / Express Evaluation Account
Profit Split Up to 90/10 Up to 100% (first $25K)
Payout Frequency Monthly Weekly available
Platforms Tradovate, NinjaTrader, TopstepX NinjaTrader, Rithmic
Consistency Rule Yes Yes (different structure)
Scaling Plan Yes, up to $300K+ Yes, up to $300K+
Activation Fee One-time fee One-time fee
Reputation Excellent, 14+ years Good, 8+ years

Our Verdict: Both Topstep and Apex are legitimate prop firms with strong track records. Topstep has a longer history and is often considered more established, while Apex offers more flexible payout options. The best choice depends on your trading style, preferred platforms, and specific goals.

At Pass My Prop Firms, we offer Prop Firm Passing Services for both Topstep and Apex, as well as many other firms. Our team can help you choose the right firm for your trading style and then help you pass the challenge.

Other Notable Prop Firms to Consider

While Topstep is one of the most popular futures prop firms, the industry has expanded significantly. Here are other notable firms that traders often consider:

  • Back2Funded: Known for instant funding options and flexible rules
  • TopFunded: Emerging firm with competitive pricing
  • TradeStep: Alternative platform with unique features
  • Various Forex Prop Firms: For traders who prefer forex over futures

Our Funded Account Management Service covers all major prop firms, not just Topstep. Whether you’re interested in futures, forex, or a combination of both, we have the expertise to help you succeed.

Professional Prop Firm Passing & Funded Account Management

How Pass My Prop Firms helps traders succeed with Topstep and other major prop firms.

Prop Firm Passing Service

Our flagship service helps traders pass prop firm challenges including Topstep, Apex, and 20+ other firms. We use proven strategies and experienced traders to achieve a 94%+ success rate.

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Funded Account Management

Once you have a funded account, our professional traders manage it to generate consistent profits. We handle the trading while you earn your share of the profits.

Prop Firm Passing EA

Our custom Expert Advisors are designed specifically for prop firm challenges. These EAs follow strict risk management rules to pass challenges consistently.

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Forex Account Management

Professional forex account management for traders who want exposure to currency markets. We trade major, minor, and exotic pairs with proven strategies.

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Trading Education

Learn the strategies and risk management techniques that our professional traders use. Our education programs are designed for all skill levels.

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Custom Strategy Development

Work with our team to develop custom trading strategies tailored to your goals, risk tolerance, and preferred markets.

Why Choose Pass My Prop Firms?

With hundreds of prop firm passing services available, why should you choose us? Here are the key reasons:

  • Proven Track Record: 2,847+ accounts managed with a 94% success rate
  • Myfxbook Verified: Our performance is publicly verified on Myfxbook for complete transparency
  • Experienced Team: Professional traders with 6+ years of combined experience
  • Multi-Firm Expertise: We work with Topstep, Apex, FTMO, MyForexFunds alternatives, and 20+ other firms
  • Risk Management: Strict risk management protocols protect your investment
  • Transparent Communication: Regular updates and full transparency on all trades
  • Money-Back Guarantee: We stand behind our service with a clear refund policy

Trust Signal: Our Myfxbook account is publicly available for verification. This level of transparency is rare in the prop firm passing service industry and demonstrates our commitment to honesty and performance.

Funded account management dashboard showing multiple accounts

How Our Funded Account Management Service Works

Our funded account management service is designed for traders who have passed a prop firm challenge but don’t have the time, experience, or confidence to trade the funded account themselves.

Here’s the process:

  1. You pass the prop firm challenge (or we help you pass it)
  2. You provide us with access to your funded account
  3. Our professional traders manage the account using proven strategies
  4. Profits are split according to the prop firm’s rules
  5. You receive your share of the profits regularly

This service is perfect for busy professionals, beginners who want to learn by observation, and experienced traders who want to diversify their income streams.

Transparent Pricing for Every Trader

Choose the service level that matches your goals and budget.

Starter
$299
Perfect for beginners
  • Single challenge pass attempt
  • Basic risk management
  • Email support
  • 7-day delivery
  • 1 prop firm covered
Get Started
Enterprise
$999
For serious traders
  • Everything in Professional
  • Funded account management
  • Custom strategy development
  • 1-on-1 mentorship
  • Unlimited prop firms
  • Profit sharing option
Get Started

Ready to Pass Your Topstep Challenge?

Join thousands of successful traders who have used our professional prop firm passing service to achieve their funded trading dreams.

Our Track Record Speaks for Itself

Real results from real traders. Verified performance you can trust.

Trading performance analytics dashboard with win rate, profit factor, equity curve
Our verified trading performance shows consistent profitability across multiple market conditions

2,847+ Accounts Passed

Successfully passed prop firm challenges across Topstep, Apex, FTMO, and 20+ other firms.

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$12M+ in Payouts

Helped our clients earn over $12 million in prop firm payouts since 2020.

98% Satisfaction

Our clients rate our service 4.9/5 stars on average across all platforms.

67 Countries

Serving traders from 67 countries worldwide with 24/7 multilingual support.

Case Study: Passing Topstep 150K Challenge

Let’s look at a real example of how our service helps traders pass the Topstep 150K challenge. This case study demonstrates our approach, risk management, and results.

The Challenge

Client “M.T.” from the UK had failed the Topstep 150K Trading Combine three times on his own. He was frustrated and considering giving up on prop trading entirely. He reached out to us through our Telegram channel after seeing our Myfxbook verified results.

Our Approach

We analyzed M.T.’s previous trading history and identified several issues:

  • Overtrading during low-volatility periods
  • Poor risk management with inconsistent position sizing
  • Emotional trading after losses
  • Not understanding the consistency rule requirements

The Solution

We implemented our proven Topstep passing strategy:

  • Strict risk management with 1% maximum risk per trade
  • Focus on high-probability setups during peak trading hours
  • Consistent position sizing aligned with Topstep’s consistency rule
  • Daily profit targets with automatic stop when reached

The Results

M.T. passed the Topstep 150K challenge in 8 trading days with a total profit of $9,847 (above the $9,000 target). He received his funded account and has been earning consistent payouts for the past 6 months.

Key Lesson: Most traders fail prop firm challenges not because they can’t trade, but because they don’t understand the specific rules and requirements. Our service bridges this gap.

What Our Clients Say

Real reviews from real traders. No fake testimonials, no paid reviews.

★★★★★

“I failed Topstep 4 times before finding Pass My Prop Firms. They passed my 150K challenge in 6 days. Now I’m earning $3,000+ monthly from my funded account. Absolutely worth every penny.”

JM
James M.
Topstep 150K Funded Trader
★★★★★

“The funded account management service is incredible. I passed my Apex challenge with their help, and now they manage my account while I focus on my day job. Best decision I ever made.”

SK
Sarah K.
Apex Funded Trader
★★★★★

“I was skeptical at first — there are so many scams in this industry. But the Myfxbook verification convinced me. They delivered exactly as promised. Passed my Topstep challenge in 5 days.”

RA
Raj A.
Topstep Express Funded
★★★★★

“Professional, transparent, and results-driven. The team communicates clearly and delivers consistently. I’ve now passed 3 different prop firm challenges with their help.”

MC
Michael C.
Multi-Firm Funded Trader
★★★★★

“As a complete beginner, I had no idea how to approach prop firm challenges. Pass My Prop Firms not only passed my challenge but taught me so much about trading. Highly recommended!”

LT
Lisa T.
First-Time Funded Trader
★★★★★

“The ROI is incredible. I paid $599 for the professional service and have earned over $8,000 in payouts from my Topstep funded account in the first 3 months. Game changer.”

DP
David P.
Topstep 100K Trader

Prop Firm Passing Service Reviews: What to Look For

When searching for “prop firm passing service reviews” or “prop firm passing service Trustpilot,” it’s important to know what to look for. Here are the key indicators of a legitimate service:

  • Verified Performance: Look for Myfxbook or similar third-party verification of trading results
  • Transparent Communication: Legitimate services provide regular updates and are responsive to questions
  • Clear Refund Policy: A professional service will have a clear, fair refund policy
  • Real Testimonials: Look for detailed testimonials with specific results, not vague praise
  • Multiple Contact Methods: Professional services offer multiple ways to reach them (Telegram, WhatsApp, email)
  • Industry Experience: Check how long they’ve been in business and their track record

At Pass My Prop Firms, we meet all these criteria and more. Our Myfxbook account is publicly available, we have a clear refund policy, and we’ve been serving traders since 2020.

Professional Risk Management: The Key to Prop Firm Success

Why risk management is more important than trading strategy for prop firm challenges.

Risk management dashboard showing stop loss, position size, risk-reward ratio

The #1 Reason Traders Fail Prop Firm Challenges

After analyzing thousands of failed prop firm challenges, we’ve identified the #1 reason traders fail: poor risk management. It’s not lack of trading skill, it’s not bad luck, it’s not a “scam” prop firm — it’s poor risk management.

Here’s what we see repeatedly:

  • Risking 3-5% per trade instead of 1-2%
  • No stop loss or moving stop losses
  • Revenge trading after losses
  • Overtrading to “make back” losses quickly
  • Not understanding the prop firm’s specific drawdown rules

Our Prop Firm Passing Service is built around strict risk management protocols. We never risk more than 1% per trade, we always use stop losses, and we follow the prop firm’s rules to the letter. This disciplined approach is why our success rate is 94%+.

Our Risk Management Framework

Every trade we execute follows our proven risk management framework:

Risk Parameter Our Standard Industry Average
Max Risk Per Trade 1.0% 2-5%
Max Daily Loss 2.0% 3-5%
Max Drawdown 4.0% 6-10%
Risk-Reward Ratio 1:2.5 minimum 1:1.5
Win Rate Target 65%+ 50-55%
Profit Factor 2.0+ 1.3-1.5

This conservative approach may seem slow, but it’s designed for one thing: consistency. Prop firms don’t reward traders who make 50% in a week and then blow the account. They reward traders who make consistent, sustainable profits month after month.

Trading strategy visualization with multiple timeframes and technical indicators
Multi-timeframe analysis helps us identify high-probability setups while managing risk effectively

Why Traders Trust Pass My Prop Firms

Building trust through transparency, verification, and consistent results.

Trust and security concept with shield and digital lock

Myfxbook Verified Performance

One of the strongest trust signals in the prop firm passing service industry is third-party verification. Our trading performance is publicly verified on Myfxbook, one of the most respected independent trading verification platforms.

This means:

  • Our results are real and cannot be faked
  • You can see our complete trading history
  • Drawdown, win rate, and profit factor are all visible
  • We have nothing to hide

Visit our Myfxbook page to verify our performance yourself. This level of transparency is rare in our industry and demonstrates our commitment to honesty.

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Secure Account Access

We use secure, encrypted connections for all account access. Your credentials are protected with industry-standard security protocols.

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Clear Contracts

Every service includes a clear contract outlining responsibilities, profit splits, and terms. No hidden fees, no surprises.

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24/7 Support

Our team is available 24/7 through Telegram, WhatsApp, and email. We respond to inquiries within hours, not days.

Refund Policy

We stand behind our service with a clear refund policy. If we don’t deliver, you don’t pay. Simple as that.

How It Works: 4 Simple Steps to Funded Status

Our streamlined process makes it easy to get started and achieve results.

01

Contact Us

Reach out through Telegram, WhatsApp, or our website. Tell us about your goals and which prop firm challenge you want to pass.

02

Choose Your Plan

Select the service level that matches your needs. We’ll recommend the best option based on your goals and budget.

03

We Trade

Our professional traders execute the challenge using proven strategies and strict risk management. You receive regular updates.

04

Get Funded

Once the challenge is passed, you receive your funded account. Optionally, we can continue managing it for ongoing profits.

Start Your Journey to Funded Trading Today

Don’t let another failed challenge hold you back. Join thousands of successful traders who have achieved funded status with our help.

Complete Guide to Prop Firm Trading in 2026

Everything you need to know about prop firms, challenges, and funded accounts.

What Is a Prop Firm and How Does It Work?

A proprietary trading firm (prop firm) is a company that provides traders with capital to trade financial markets. Instead of risking your own money, you trade the firm’s capital and share the profits. This model has become incredibly popular in recent years, especially with the rise of online evaluation challenges.

The typical prop firm model works like this:

  1. Evaluation Phase: You pay a fee to take an evaluation challenge. This tests your trading skills and risk management.
  2. Verification Phase: Some firms have a second phase to verify your consistency.
  3. Funded Account: Once you pass, you receive a funded account with the firm’s capital.
  4. Profit Sharing: You trade the funded account and split profits with the firm (typically 80/20 or 90/10 in your favor).

This model is attractive for several reasons:

  • No Personal Capital Risk: You don’t risk your own money beyond the evaluation fee
  • Access to Large Capital: Trade with $50K, $100K, $150K, or more
  • Professional Development: Learn to trade with real capital and real consequences
  • Income Potential: Successful traders can earn substantial monthly income

At Pass My Prop Firms, we specialize in helping traders navigate this process successfully. Our Prop Firms Passing Services cover all major firms including Topstep, Apex, FTMO, and many others.

Topstep Trading Hours: When Does the Market Open?

Understanding Topstep trading hours is crucial for success. Topstep offers access to futures markets, which have specific trading hours:

  • E-mini S&P 500 (ES): Sunday 6:00 PM ET – Friday 5:00 PM ET (with daily maintenance break 5:00-6:00 PM ET)
  • Nasdaq 100 (NQ): Same hours as ES
  • Gold (GC): Sunday 6:00 PM ET – Friday 5:00 PM ET
  • Crude Oil (CL): Sunday 6:00 PM ET – Friday 5:00 PM ET

Many traders ask “what time does Topstep close trades?” The answer depends on the specific market, but generally, futures markets close at 5:00 PM ET on Friday and reopen at 6:00 PM ET on Sunday. During the daily maintenance break (5:00-6:00 PM ET), no trading is allowed.

For our Funded Account Management Service clients, we optimize our trading during the most liquid hours to maximize success probability. This typically means focusing on the New York session (9:30 AM – 4:00 PM ET) for US equity index futures.

Forex currency pairs with live candlestick charts
Understanding market hours and liquidity is essential for successful prop firm trading

Topstep Promo Codes and Discounts

Topstep frequently offers promotional codes and discounts, especially during special events and holidays. These can significantly reduce your evaluation costs. Here’s what to know:

  • Topstep Promo Code: Check our website and Telegram channel for the latest active promo codes
  • Topstep Trader Promo Code: Special codes for new traders signing up for the first time
  • Topstep Activation Fee Discount: Sometimes Topstep waives or reduces the one-time activation fee
  • Topstep Free Reset: Occasionally offered as a promotion for traders who failed their challenge
  • Topstep Free Trial: Limited-time trials that let you test the platform before committing

We regularly update our Pass My Prop Firms community with the latest Topstep coupon codes and discounts. Join our Telegram channel to get notified immediately when new promotions are available.

Money-Saving Tip: Topstep often runs special promotions during Black Friday, New Year, and other major holidays. These can save you 20-50% on evaluation fees. Follow our social media channels to catch these deals.

Understanding Topstep’s Trailing Drawdown

The trailing drawdown is one of the most important — and most misunderstood — aspects of Topstep’s rules. Here’s a complete explanation:

What is trailing drawdown? Trailing drawdown is a dynamic loss limit that moves up as your account profits increase, but never moves down. This means:

  • If your account starts at $100,000 with a $5,000 trailing drawdown, your liquidation level is $95,000
  • If your account grows to $103,000, your trailing drawdown moves up to $98,000
  • If your account then drops to $101,000, the trailing drawdown stays at $98,000 (it never moves down)
  • This protects the firm’s capital while allowing you to lock in profits

Understanding trailing drawdown is crucial for risk management. Many traders fail because they don’t realize that their loss limit has moved up as they’ve made profits. Our Prop Firm Passing Service includes detailed education on trailing drawdown mechanics to ensure our clients never get caught off guard.

Topstep Dashboard: Managing Your Account

The Topstep dashboard (sometimes called Topstep dash board or Topstep dashboard login) is your command center for managing your evaluation and funded accounts. Here’s what you can do from the dashboard:

  • Monitor your account balance and equity in real-time
  • Track your progress toward the profit target
  • View your trading history and performance metrics
  • Request payouts once you meet the requirements
  • Access educational resources and support
  • Manage your platform connections (Tradovate, NinjaTrader, TopstepX)
  • View your consistency metrics and rule compliance

If you’re experiencing issues with “Topstep login not working,” try these troubleshooting steps:

  1. Clear your browser cache and cookies
  2. Try a different browser or incognito mode
  3. Check if you’re using the correct login credentials
  4. Contact Topstep support if the issue persists

For our managed account clients, we handle all dashboard monitoring and management, so you don’t need to worry about these technical details.

Topstep Withdrawal Rules: What You Need to Know

Understanding Topstep withdrawal rules is essential for any funded trader. Here are the key rules:

  • Minimum Trading Days: You must trade for at least 10-11 days before your first withdrawal
  • Consistency Requirement: No single day can account for more than 30-50% of total profits
  • Profit Threshold: You must have profits above your starting balance to withdraw
  • Monthly Limit: Typically one withdrawal per month
  • Processing Time: 1-3 business days for most payment methods

These rules are designed to ensure that traders are consistently profitable rather than getting lucky on one trade. While some traders find these rules restrictive, they actually protect both the trader and the firm by promoting sustainable trading practices.

What Is a Reset Credit on Topstep?

A reset credit on Topstep is a credit that allows you to restart your Trading Combine evaluation without paying the full fee again. Reset credits are typically offered:

  • As part of promotional campaigns
  • To traders who have previously passed a challenge
  • During special events or holidays
  • As loyalty rewards for long-term subscribers

Reset credits can be valuable, especially if you’ve failed a challenge and want to try again. However, it’s important to understand why you failed before using a reset credit. If you don’t address the underlying issues, you’ll likely fail again.

This is where our Prop Firm Passing Service can help. We analyze your previous failures, identify the root causes, and implement strategies to ensure success on your next attempt.

Topstep Company: Background and Credibility

Topstep LLC is the legal entity behind the Topstep brand. The company is registered in Illinois and has been operating since 2012. Here are key facts about the Topstep company:

  • Founded: 2012
  • Headquarters: Chicago, Illinois, USA
  • CEO: Dan Borshoff (co-founder)
  • Employees: 100+ (estimated)
  • Funded Traders: Thousands globally
  • Total Payouts: Millions of dollars

Topstep’s longevity and location in Chicago — one of the world’s major financial centers — add significant credibility. The company has survived multiple market cycles, regulatory changes, and competitive pressures, which is a strong indicator of legitimacy.

For traders searching “is Topstep regulated,” the answer is yes. Topstep operates through regulated futures commission merchants and is subject to oversight from relevant financial authorities. This regulatory framework provides additional protection for traders compared to unregulated forex prop firms.

Professional trader reviewing portfolio performance on laptop
Professional traders use data-driven approaches to maximize their success with prop firms

Topstep Application Process: Step by Step

Getting started with Topstep is straightforward. Here’s the complete application process:

  1. Visit the Topstep Website: Go to the official Topstep website and review the available account sizes
  2. Choose Your Account: Select the account size that matches your goals ($50K, $100K, or $150K)
  3. Create an Account: Sign up with your email and create a password
  4. Complete the Application: Fill out the required information including trading experience
  5. Make Payment: Pay the monthly subscription fee (use our promo codes for discounts)
  6. Access Your Combine: Once payment is processed, you’ll receive access to your Trading Combine
  7. Connect Your Platform: Connect Tradovate, NinjaTrader, or TopstepX to start trading

The entire process typically takes less than 30 minutes. Once you’re set up, you can start trading immediately during market hours.

If you’re unsure about which account size to choose or want professional help passing the challenge, our Prop Firm Services team is here to help. We can guide you through the entire process and significantly increase your chances of success.

Topstep Chat and Support: Getting Help

Topstep provides multiple support channels for traders:

  • Topstep Chat: Live chat support available during business hours
  • Topstep Email: Email support for non-urgent inquiries
  • Topstep Phone: Phone support for complex issues
  • Knowledge Base: Comprehensive help documentation
  • Community Forum: Connect with other Topstep traders

Topstep’s support team is generally responsive and helpful. However, for complex trading strategy questions or challenge passing help, you may want to work with a professional service like Pass My Prop Firms. We provide dedicated support and personalized guidance that goes beyond what any prop firm can offer.

Advanced Topstep Strategies and Techniques

Professional-level insights for serious traders.

ABC Pattern Trading with Topstep

The ABC pattern is a classic chart pattern that many Topstep traders use successfully. Here’s how to trade it:

What is the ABC pattern? The ABC pattern (also called the ABC correction) is a three-wave price movement that occurs after a trend. It consists of:

  • Wave A: Initial move against the trend
  • Wave B: Partial retracement of Wave A
  • Wave C: Final move that completes the correction

Trading the ABC pattern on Topstep involves:

  1. Identifying the pattern on your chosen timeframe
  2. Waiting for Wave C to complete
  3. Entering in the direction of the original trend
  4. Setting stop loss below/above the pattern
  5. Taking profit at the next resistance/support level

This pattern works well with Topstep’s futures markets because futures tend to respect technical patterns more than forex due to the centralized nature of futures exchanges.

Gann Arc and Advanced Technical Analysis

Gann Arc is an advanced technical analysis tool that some Topstep traders use to identify potential support and resistance levels. While not as commonly used as moving averages or RSI, Gann Arc can provide unique insights into market structure.

Key Gann Arc principles:

  • Based on W.D. Gann’s geometric price-time relationships
  • Uses arc-shaped lines to project potential turning points
  • Works best on higher timeframes (1H, 4H, Daily)
  • Should be combined with other indicators for confirmation

While Gann Arc is advanced, our Funded Account Management Service traders are trained in multiple technical analysis methods including Gann theory, Elliott Wave, and classical chart patterns. This diverse skill set allows us to adapt to different market conditions.

Prop Firm with Instant Funding: Is It Worth It?

Many traders search for “prop firm with instant funding” as an alternative to the evaluation process. While instant funding sounds attractive, there are important considerations:

Pros of instant funding:

  • No evaluation period or challenge to pass
  • Immediate access to funded capital
  • Simpler process overall

Cons of instant funding:

  • Higher upfront costs
  • Often stricter rules and lower profit splits
  • Less reputable firms in this space
  • Limited scaling opportunities

Our recommendation: For most traders, the traditional evaluation model (like Topstep’s Trading Combine) offers better value and more reputable firms. However, if you’re an experienced trader with a proven track record, instant funding might be worth considering.

At Pass My Prop Firms, we work with both evaluation-based and instant funding prop firms. We can help you choose the best option based on your experience level and goals.

Topstep Calendar and Economic Events

Understanding the economic calendar is crucial for Topstep traders. Major economic events can cause significant volatility in futures markets:

  • FOMC Meetings: Federal Reserve interest rate decisions (8 times per year)
  • NFP (Non-Farm Payrolls): First Friday of each month
  • CPI (Consumer Price Index): Monthly inflation data
  • GDP Reports: Quarterly economic growth data
  • Earnings Season: Quarterly corporate earnings (affects index futures)

Our trading strategy accounts for these events by either avoiding trading during high-impact news or adjusting position sizes to manage increased volatility. This disciplined approach is part of why our success rate is so high.

Topstep Shop and Additional Resources

Topstep offers various resources through their shop and educational platform:

  • Topstep Shop: Merchandise and trading accessories
  • Educational Courses: Trading education from professional traders
  • Webinars: Live and recorded educational sessions
  • Market Analysis: Daily market commentary and analysis
  • Trading Psychology: Resources for developing the right mindset

While Topstep’s educational resources are valuable, many traders find that working with a professional service like Pass My Prop Firms accelerates their success significantly. We provide personalized guidance, proven strategies, and hands-on support that generic educational resources cannot match.

Topstep Split: Understanding Profit Sharing

The Topstep profit split (sometimes called Topstep split) determines how profits are divided between you and the firm. Here’s how it works:

  • Standard Split: Typically 80/20 (80% to trader, 20% to firm)
  • Performance Split: Can improve to 90/10 with consistent performance
  • First $10K: Some accounts offer 100% to trader on first $10K of profits
  • Scaling Impact: Larger accounts may have different split structures

Understanding the profit split is important for calculating your potential income. For example, if you make $5,000 in profits on a $100K account with an 80/20 split, you would receive $4,000 and Topstep would keep $1,000.

Our Funded Account Management Service helps maximize your profits within these split structures. We focus on consistent, sustainable profits rather than high-risk strategies that might generate large short-term gains but ultimately fail.

Topstep Broker and Clearing Relationships

Topstep works with established futures brokers and clearing firms to execute trades and manage accounts. This is an important aspect of Topstep’s legitimacy:

  • Regulated Clearing: Trades are cleared through regulated futures commission merchants
  • Segregated Accounts: Client funds are held in segregated accounts for protection
  • Exchange Membership: Topstep has relationships with major futures exchanges
  • Technology Partners: Partnerships with platform providers like Tradovate

This infrastructure is expensive to maintain and is one reason why legitimate prop firms like Topstep charge evaluation fees. The fees cover the cost of technology, clearing, support, and the capital provided to successful traders.

Funded trader success celebration with trophy
Achieving funded status is just the beginning — consistent profits require ongoing discipline and strategy

What If I Lose My Topstep Live Account?

Many traders worry about losing their funded account after passing the challenge. Here’s what happens:

  • Rule Violations: If you violate Topstep’s rules (exceed drawdown, consistency violations), your account will be closed
  • Reset Options: Topstep may offer reset options, sometimes at a discount
  • New Challenge: You may need to start a new challenge from scratch
  • Learning Opportunity: Each failure is a chance to learn and improve

This is why our Prop Firm Passing Service includes ongoing support even after you pass the challenge. We help you understand the funded account rules and develop strategies to maintain your funded status long-term.

Pro Tip: The key to maintaining a funded account is the same as passing the challenge: strict risk management and consistency. Don’t change your approach just because you’re now trading with “real” money.

Topstep Certificate and Achievement Recognition

When you successfully pass a Topstep challenge and receive your funded account, you’ll receive a Topstep certificate acknowledging your achievement. This certificate:

  • Confirms your status as a Topstep funded trader
  • Can be shared on social media and LinkedIn
  • Serves as proof of your trading skills
  • Is part of Topstep’s trader recognition program

While the certificate is a nice recognition, the real reward is the funded account and the opportunity to earn consistent income. Our clients often share their certificates on social media, which helps build their personal brand as professional traders.

Topstep Futures: Markets and Instruments

Topstep provides access to a wide range of futures markets:

Market Symbol Exchange Trading Hours
E-mini S&P 500 ES CME Sun 6PM – Fri 5PM ET
Nasdaq 100 NQ CME Sun 6PM – Fri 5PM ET
Dow Jones YM CBOT Sun 6PM – Fri 5PM ET
Gold GC COMEX Sun 6PM – Fri 5PM ET
Crude Oil CL NYMEX Sun 6PM – Fri 5PM ET
Silver SI COMEX Sun 6PM – Fri 5PM ET
Corn ZC CBOT Sun 8PM – Fri 2PM ET
10-Year T-Note ZN CBOT Sun 6PM – Fri 5PM ET

This diverse range of markets allows traders to find opportunities in different conditions. Our Funded Account Management Service traders are experienced across all these markets and can adapt to changing conditions.

Frequently Asked Questions About Topstep

Everything you need to know, answered by our professional team.

Still Have Questions?

Our team is available 24/7 to answer your questions and help you get started.

Ready to Pass Your Prop Firm Challenge?

Join 2,847+ successful traders who have achieved funded status with Pass My Prop Firms. 94% success rate. Myfxbook verified. Money-back guarantee.

⚠️ Risk Disclaimer: Trading futures and forex involves substantial risk of loss and is not suitable for all investors. Past performance is not indicative of future results. The information provided on this website is for educational purposes only and should not be considered as financial advice. Pass My Prop Firms provides prop firm passing services and funded account management, but we cannot guarantee specific results. Always trade responsibly and only risk capital you can afford to lose. Please consult with a qualified financial advisor before making any investment decisions.
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