Payout capCritical3/10
A cap limits what you can withdraw per cycle. On some firms, profit above the cap is delayed; on a few, it is voided outright.
“Express Funded Account maximum per-request payout by account size — $50K: Standard $2,000 / Consistency $3,000; $100K: $3,000 / $4,000; $150K: $5,000 / $6,000. Requests are 50% of the account balance up to the cap.” source
Pricing honestyElevated4/10
Resetting timers, perpetual “discounts”, or undisclosed add-ons inflate the real cost of getting and staying funded.
“Monthly Trading Combine subscription with near-permanent promotional discount codes (frequent 50%+ off) and a "No Activation Fee Combine"; effective price discoverable pre-checkout.” source
Terms stabilityElevated4/10
Frequent terms changes can move the goalposts on an account you are already trading under.
“Four significant rule changes Nov 2025-Feb 2026 (90/10 split, Express split into Standard/Consistency paths, No Activation Fee Combine, two-rule payout structure) plus an April 28 2026 per-payout cap reduction on new 50K/100K Combines.” source
Rule enforcementElevated5/10
Discretionary or inconsistent enforcement means a rule can be applied after the fact to fail an account or deny a payout.
“50% consistency rule applies during the Express Funded Account; a 40% consistency target on the Consistency payout path. No single day may dominate total profit.” source
Derived from TraderVerdict's scored evidence for Topstep. Each item is a TVSM-PF variable; lower scores indicate greater account risk. See the full breakdown and every source in the scorecard below.
