DuePoint MLM Review – Legit Side Hustle Or Just Another Pyramid Scheme?

Have you ever been told you can earn passive income in South Africa simply by sharing an app? DuePoint claims you can do exactly that, all while pitching financial services through your network.

The company catches a lot of attention in local circles because it labels itself as a way to build wealth with your phone, but it also gets questions about whether it’s just another pyramid-style scheme in disguise.

Here’s my upfront take: DuePoint is a South African MLM (multilevel marketing) platform. Instead of selling shakes or makeup, you’re referring people to subscribe to their range of financial products, many of which are underwritten by their parent company.

They’re a registered FSP (Financial Services Provider), so they adhere to the legal rules. Still, earning claims highlight the recruitment side much more than the insurance products themselves, which makes it a pretty unique beast in the local MLM landscape.

So, if you want to know if DuePoint is worth your attention or if it feels a little too much like a recruitment game, I’ve got you covered.

I’m sharing an all-in-one look from someone who’s seen just about every online side hustle in the book.

DuePoint Quick Facts

• Company Name: DuePoint (A division of Constantia Insurance)
• Website: duepoint.net
• Price: R299/month to qualify for earnings
• Founder: Brendan Benfield
• Location: Johannesburg, South Africa
• License: Financial Services Provider (FSP 15261) under FSCA
• Overall Rating: 3.5/5 (from user reviews and my experience)
• Main Products: Insurance, financial protection plans, education resources
• My Number One Recommendation: Check It Out Here

DuePoint stands out by being both a licensed FSP and a referral-driven business. This combo is rare but helps avoid some of the “outright scam” labels that hit other recruitment-heavy MLMs in South Africa.

What is DuePoint? South Africa’s Financial Referral Side Hustle

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I first heard about DuePoint during a braai(or barbeque), where a friend told me you could make money every month just by referring people to sign up for a protection plan via their app.

Turns out, the way DuePoint works is a blend of classic network marketing (think old-school Tupperware parties) and digital subscription sales.

The idea is pretty simple: sign up, pay a monthly fee, and refer others to do the same. Instead of hosting kitchen gadget demos or weight loss parties, you’re pushing device-based insurance products, education courses, and other recurring protection packages.

The pitch is all about “wealth creation” and growing a stream of income that sticks as long as your team keeps their subscriptions active.

They’ve got a legitimate license from the FSCA, and the actual payout system is run transparently through the DuePoint app.

For anyone worried about joining an illegal operation, having that FSP number does set it apart from many unregistered local MLMs.

Company Overview: The People and Structure Behind DuePoint

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DuePoint is based out of Johannesburg and launched in 2016. That’s fairly recent compared to some international MLMs, but it’s been around longer than most shiny new apps.

The founder, Brendan Benfield, saw DuePoint as a modern approach to networked sales in South Africa’s rising smartphone era.

• Head Office: Johannesburg, South Africa
• Parent Company: Constantia Insurance Group
• License: FSCA FSP 15261

The real kicker is Constantia Insurance, which is a well-established brand in South African insurance. This gives DuePoint a level of regulatory protection that most side hustle MLMs totally lack.

There have been quite a few dodgy earning apps and crypto schemes that got shut down in the last few years, but DuePoint’s info checks out officially on the FSCA site.

One of the things I keep in mind: While parent company backing is good, DuePoint runs as a separate business channel.

So, calling it the same as Constantia isn’t totally right, but it absolutely rides off that reputational security.

Recommended Reading: Wealthy Affiliate Review – Is it Still Worth Joining As A Beginner?

How the DuePoint System Works

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You don’t sell a physical product with DuePoint.

Instead, you buy a membership yourself and refer others to sign up for their subscription-based products.

Here’s a straight-up breakdown of how it all fits together:

The Basic Mechanics

• Sign up via their web portal or app (Android/iOS).
• Pay the R299 monthly subscription fee to activate your Wealth Engineer account.
• Start referring others using your unique link or QR code in the app.
• Earn points (called XP) and increase your ranking in DuePoint’s system as you build your team (downline).
• Get paid a recurring monthly commission based on how many people in your team pay for their subscriptions (and how many levels deep your network goes).

They push a few digital products, usually:

• Funeral cover and other personal insurance plans
• Legal protection plans
• Financial education training modules
• Various support packages (these change over time)

You don’t resell these directly.

You just refer people who pay DuePoint for ongoing access. Everyone who signs up becomes a subscriber and gets access to the app, their dashboard, and some basic educational tools. No physical stock, shipping, or inventory headaches.

The heart of the app is the tracking system.

You can see XP points, payouts, recruits, and your team’s health.

They use this to gamify the whole process, rewarding big recruiters with badges and leaderboard perks. I’ll admit, the interface is a lot more modern than the paper signup sheets some MLMs still use.

The XP System And Monthly Requirements

This is where things get interesting.

You only qualify to earn commissions if you pay your monthly fee (R299 at the time of writing), and your team does the same.

This is classic for South African MLMs: no monthly payment, no earnings.

The XP system adds an extra layer: you gain XP for recruiting new subs, keeping them active, and hitting various goals in the app. The bigger your XP, the farther you move up the earning tiers.

Product Quality and Experience

DuePoint’s actual products are very much like budget insurance bundles you’d see at the local bank or through a broker.

I’ve tested the signup process: onboarding is quick, but the fine print on their products is worth reading to understand coverage limits.

Some reviews mention that funeral plans are competitive in price, but the financial education modules aren’t unique if you already have access to free financial literacy resources online.

The bottom line is it’s less about buying a service you can’t get outside DuePoint, and more about making the most of the referral and retention game to earn a reward each month.

Breaking Down the DuePoint Compensation Plan

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Compensation plans in any referral business can get pretty complicated, but DuePoint keeps it fairly simple, at least upfront. You’ll see a lot of terms flying around, so let me break it down into plain English.

Commission Tiers and Earnings Flow

• Your top-level referrals (direct signups) are called Level 1. You earn the highest payout here (expect 27% of their monthly fee as commission).
• As those team members bring others on, you keep earning from each new level: Level 2, Level 3, and so on, but your commission rate drops as the network grows deeper.
• Earnings are recurring as long as everyone keeps paying their monthly fee.

DuePoint sets XP milestones for you to reach new ranks; the more you grow and keep your network active, the higher your Wealth Engineer status and your commission potential.

The XP Ranking System

• Earn XP for every recruit and training module you (or your team) complete.
• XP is used to rank up, unlocking new commission percentages and extra bonuses as you reach higher levels.
• There are achievement badges, email updates, and monthly leaderboards in the app for the biggest recruiters.

Team Growth vs. Product Sales

DuePoint, like many MLMs, makes it very clear: the bigger your team, the more you get paid.

There are no direct sales commissions for helping people file claims, educating customers, or providing aftersales service. This heavily favors people who can build massive downlines and keep monthly subscriptions flowing.

“Wealth Engineer” Levels

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Your status as a Wealth Engineer is linked directly to your XP. Here’s how the titles work (and what’s required to boost your earnings):

• Everyone starts as a basic Wealth Engineer.
• You unlock new tiers with more XP, unlocking higher monthly commission rates on deeper levels of your downline.
• Exclusive promotions are sometimes given to top performers (travel rewards, gadgets, and more), but hitting these means growing your network fast and keeping your team motivated to pay their feesnews school every month.

This creates a real gamification feel, a trick a lot of news school MLMs use to keep people fired up and recruiting.

Is DuePoint a Pyramid Scheme?

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This is probably the question I see the most in my inbox, so I’m not sugarcoating anything here.

MLM vs. Pyramid Scheme – What’s the Difference?

• MLM (Multilevel marketing): Legally sells an actual product or service, with commissions paid for both product sales and team building.
• Pyramid scheme: Illegal and unsustainable; rewards are handed out mostly for recruiting new members, not for product value provided to real customers.

Why DuePoint Tries to Stay Legal:

• They are a licensed financial services provider in South Africa (FSCA FSP 15261).
• There are tangible products (insurance, protection plans, edu modules).
• No guarantees of earnings or unrealistic income claims are made on official marketing materials.
• All member earnings come from the company’s subscription revenue, not from new registration fees as such.

But… DuePoint puts a heavy focus on recruitment:

• Your income only grows significantly if your team grows.
• The majority of commissions are distributed as a result of recurring monthly subscription payments, mostly by the network itself.
• There’s no real retail market for the products; you don’t find average South Africans buying a DuePoint plan just for the policy, most are joining for a shot at the income opportunity.

This causes a lot of people (myself included) to say DuePoint “looks pyramidlike,” especially because some users are only in it to grow their downline and care little about the actual product benefits.

Officially, DuePoint isn’t an illegal pyramid scheme per South African regulations. Their FSP registration is proof enough for local authorities to allow them to operate. Still, anyone joining should recognize that long-term sustainability depends more on constant recruitment than broad retail interest.

It’s really important to weigh up if you’re looking for a sales gig or just another teambuilding side hustle with a monthly buy-in.

DuePoint Reviews & Real User Feedback

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Nothing beats hearing from actual users who’ve spent time (and money) in the system.

Here’s a balanced picture:

What Members Like

• The mobile app is reliable and makes tracking easy.
• Frequent training calls and webinars help new users get started.
• Payouts are reliable for top recruiters who keep their teams motivated.
• There’s real passive income potential if you can grow a stable, motivated network.

Common Complaints

• Most members don’t make decent money (average income is fairly low for casual users).
• Keeping your downline active is tough. Churn (people quitting or canceling after a few months) is high.
• Your investment (R249/month) becomes a sunk cost if you can’t recruit enough to cover it quickly.
• Several former Wealth Engineers report getting banned after falling behind on monthly payments or not meeting activity rules.
• Some say the recurring fees for financial protection services aren’t competitive with standard insurance offerings outside the platform.

Reddit & Forum Quotes

A few choice remarks from local threads and South African forums (source links included):

• “It’s easy enough to sign up, but it’s really hard to get even 2 or 3 people to stick with the monthly payments. Everyone’s looking for a ‘quick buck’ and most leave after the first month.” (Reddit)
• “I’ve seen the app, it’s better than most, but unless you’re sure you can keep a big team buying every month, you’re paying for insurance with a referral code.” (MyBroadband Forum)
• “DuePoint pays, but only if you perform. Don’t expect to make passive money if you don’t treat it like a full-time job.” (Facebook Reviews)

Pros and Cons of DuePoint

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Pros

• Backed by a reputable, FSCALicensed insurance company (Constantia)
• User-friendly mobile-driven platform (no in-person meetings or paperwork)
• Theoretically scalable passive income if you’re a super active recruiter
• Frequent digital training and onboarding support for new users

Cons

• Mandatory R299/month fee to stay active and qualify for commissions
• Very reliant on constantly recruiting and retaining new members
• No real product ownership; you’re reselling the membership, not building a truly independent brand or asset
• Competitive insurance services can usually be found outside at a lower cost (without the need to recruit anyone)
• Feels “pyramidlike” due to its focus on recruitment over end customer sales
• Payouts are often low for casual users; only top recruiters see strong results

Who is DuePoint Best For?

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Based on everything I’ve seen and the stories shared in direct messages and on forums, DuePoint isn’t for everyone. In reality, it works best for:

• South Africans who already have large sales networks or strong social circles
• Active insurance agents or people experienced in network marketing
• People who enjoy recruiting, motivating their team, and keeping others accountable
• Anyone who feels comfortable paying a monthly fee up front for a shot at consistent team-based rewards

If you’re looking for a way to make cash without heavy sales or recruitment work, or if you want to build something with long-term brand equity, DuePoint can feel underwhelming.

The most successful Wealth Engineers are the ones with an existing network and no issue with persistent promotion, both online and in person.

Alternatives to DuePoint (No Pyramid Structure Required)

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If you want to earn online (or just start a low-cost business) without dealing with the recruitment-driven MLM model, here are a few ideas that have worked well for me and others I know:

1. Master Affiliate Profits

This platform is all about high-ticket affiliate marketing. You earn by promoting real products and services, not by recruiting people to join a subscription. Payments scale with your promotions, and you control your traffic and earning power via content or ads. See my full review here.

2. Wealthy Affiliate

One of the longest-standing affiliate training platforms. You pay a single monthly fee to access all their training, websites, and tools, but you don’t need to recruit anyone to make money. Great for bloggers, content creators, or digital marketers. Read my in-depth take here.

3. Invincible Marketer

This system offers evergreen training to help you sell legit affiliate products, build websites, and even run ad campaigns. There’s no requirement to bring people under you for commission; earnings are tied 100% to your sales and leads. Check out their approach here.

If you want a side hustle that grows with your effort and doesn’t depend on building a sales force, these models are all worth checking out over classic MLMs.

DuePoint: Is It Worth Joining in 2025?

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DuePoint sits in a weird spot in the South African side hustle market.

There’s no dodgy crypto vibe, and the parent company lends a sense of legitimacy you don’t always see in local “get rich” apps. The legal structure and FSP support make it as aboveboard as an MLM can get in SA.

Still, the underlying business model makes it tough for most casual users to get ahead. Success depends almost entirely on regular recruitment, and very few people stick it out long enough to unlock meaningful rewards.

For most, the recurring monthly fee becomes just another expense after the first few months, unless they’re ready to operate like a true network marketer.

If your personality energizes you around team building, leadership, and ongoing recruiting, DuePoint could provide a side gig that fits your hustle.

If not, I recommend exploring less risky affiliate income streams first. You’ll spend less up front, learn far more useful digital skills, and avoid becoming a churn stat in somebody else’s downline.

FAQ: DuePoint South Africa

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Is DuePoint legal in South Africa?

Yes, DuePoint is a legal, FSCALicensed Financial Services Provider (FSP 15261). The company’s registration and parent company backing give it a real position in the South African finance market.

Can you make money with DuePoint?

You can, but it helps to have strong networking and sales abilities. Most of your earnings depend on recruiting new people and keeping your team active. Only a small percentage of users reach consistent five-figure rewards.

How do I withdraw DuePoint earnings?

Payouts are handled monthly.

You can transfer your commission to your local bank account after reaching the minimum payout amount set in your DuePoint dashboard. The withdrawal process is handled through the app with standard South African banking details.

What happens if I stop paying the R299/month?

If you stop paying the monthly fee, you lose eligibility to earn commissions, and your account is put on hold or even closed after an extended unpaid period.

Your downline stays registered, but you no longer receive referral earnings unless you reactivate your subscription.

How much can you earn at DuePoint?

Earnings vary. Some highly active recruiters claim R5,000 to R10,000 a month or more. For most casual users with small teams, it will likely be less than your monthly fee unless you have solid selling and recruitment chops.

The actual earning disclosures are published in the app’s legal notice and suggest most people earn little or nothing since recruitment and member retention are challenging.