6,000$ payout declined with no evidence, no answers, and support access removed
I purchased a 100,000$ “Instant” account with FXP / Firmxchange in February 2026, attracted by their promotions: up to 100% profit split, “200% refundable fee” after the first reward, BOGO accounts and free resets. I traded manually, respected all stated risk limits, and the dashboard itself showed that I had passed every objective: no daily loss breach, no overall loss breach, minimum trading days satisfied, and the “consistency rule” clearly marked as “passed”. I grew the account from 100,000$ to 106,208.82$, approximately +6.2% profit, then requested a 6,000$ payout as allowed by their own rules. The portal showed “Withdrawable profit: 6,000$” and payout status “REQUESTED”. Two days later, the payout was declined. The only explanation I received was a generic line saying that “violations of our policy” had been identified during a “routine audit process”, with no concrete details. There was: no reference to any specific rule in their Terms & Conditions, no list of trade tickets, timestamps, or instruments, no calculation showing which limit I allegedly violated. I sent several formal emails (February 25, March 2, March 9) asking for a technical explanation: the exact T&C clause, the trade IDs, and the audit method used. Until today, I have received no substantive answer: no rule quoted, no trades identified, no audit evidence, not even a clear confirmation that my appeal is being reviewed by compliance. In one response relayed via support, they could not even state a specific reason, yet the payout remains rejected and the only “solution” mentioned was to reset or restart, effectively erasing the work done to reach the first payout. I also tried to resolve this through their official Discord server. I opened a ticket, provided my account ID and full timeline, and was told the case would be “forwarded to the team”. Shortly afterwards, while my appeal was still unanswered, my access to their Discord server was removed and I could no longer see the ticket or communicate through that channel with the email used for my FXP account. Removing a client from the support community during an open payout dispute is, in my opinion, extremely unprofessional and non‑transparent. All my MT5 account history, dashboard screenshots (showing “Payout requested 6,000$ → Declined”), emails, and their own aggressive promotions (100% profit split / 200% refundable fee / BOGO, etc.) are archived and available. I have simply asked for one of two things: either a clear, verifiable explanation with specific rules and trades, or the payout that was promised once all objectives were passed. So far, I have received neither. Based on my documented experience, I strongly advise any trader considering this prop firm to be extremely cautious, especially about the most important question: do they actually pay when you respect all their written rules and reach your first payout. Update: Firmxchange.com Several days have passed since my review and I have still not received any response from the company, despite multiple attempts to obtain clarification. At this stage, the lack of transparency and communication is increasingly concerning. Update: FXP 2.0 Since publishing this review, I have received new marketing communication related to the same service, now branded as “FXP 2.0” and operating via the website fx-pec.com. This appears to be a rebranded version of the same platform, while my original payout issue (linked to FirmXchange) remains unresolved and without clear explanation. It is concerning to see a new launch and active promotion under a different name while existing client issues are still pending. Update 3: "FXP 2.0" fx-pec.com More time has passed and I still have not received any response or clarification from the company regarding my payout request. During this period, I have continued to receive new marketing emails promoting “fast payouts”, “1–2 day processing”, and even a “48-hour reward guarantee”. This is particularly concerning given that my own payout request was declined without any specific explanation and remains unresolved. The discrepancy between the advertised payout speed and the actual handling of a documented payout request raises serious concerns about transparency and consistency. I remain available to provide full trading records and communication history, and I am still requesting either a clear, verifiable explanation or the payout itself. Update 4: After further attempts to contact the company, additional communication issues emerged. Emails sent to support addresses associated with Firmexchange / FXP either bounced back as non-existent or were rejected by the mail servers. This further increases my concerns regarding handling of disputes.
By Massimo