This article covers everything you need to know about payments with Topstep, including pricing, fees, payment methods, managing your billing information, promo codes, and troubleshooting payment issues.
Topstep Pricing
Getting started with Topstep is simple! To get started with the Trading Combine, you'll need to:
Choose your account size
Enter your payment information to start your subscription
Please note: Sales tax may be added at checkout, where applicable, and is not included in listed prices. PayPal is not supported on the new Topstep dashboard.
Trading Combine
Trading Combine
The Trading Combine is a monthly subscription that auto-renews until you pass or cancel. Cost varies by account size and path. You can pay by credit or debit card and cancel anytime from your Billing page.
Standard Path
$50K — $49/month
$100K — $99/month
$150K — $149/month
No Activation Fee Path
$50K — $109/month
$100K — $159/month
$150K — $209/month
Pricing update to No Activation Fee Trading Combines and Resets as of April 28, 2026:
$50K → $95/mo
$100K → $149/mo
$150K → $229/mo
Choose Your Path
Standard Path — Lower monthly cost, $149 activation fee when you pass. Best for traders still working on consistency.
No Activation Fee Path — Higher monthly cost, no fee when you pass. Best for traders confident they'll pass in 1–2 attempts.
Important Notes
Paths cannot be converted after purchase — commit to your choice from the start. Learn more about the monthly subscription.
Resets
Resets
Reset pricing varies by account size and path. Payable by credit or debit card.
Standard Path
50K — $49
100K — $99
150K — $149
No Activation Fee Path
50K — $109
100K — $159
150K — $209
Pricing update to No Activation Fee Trading Combines and Resets as of April 28, 2026:
$50K → $95/mo
$100K → $149/mo
$150K → $229/mo
April 28, 2026 Pricing Change Examples
April 28, 2026 Pricing Change Examples
Pricing update to No Activation Fee Trading Combines and Resets as of April 28, 2026:
$50K → $95/mo
$100K → $149/mo
$150K → $229/mo
Read below for examples regarding purchasing Trading Combines, Resets, and new payout caps. Learn more about payout caps here.
Example 1 — A brand new Trading Combine purchased after April 28
Trader purchases a new $50K No Activation Fee Trading Combine on or after April 28
New pricing of $95/mo applies
Example 2 — Existing Trading Combine Rebills and Reset Credit is Used for New Account
Trader purchases a $50K No Activation Fee Trading Combine before April 28
Reset Credit is granted during rebill at the OLD price
Reset Credit activates new account that will have OLD payout cap
Example 3 — Existing Trading Combine has Reset purchased Prior to Rebill
Trader purchases a $50K No Activation Fee Trading Combine before April 28
Trader purchases a Reset on that account prior to the rebill
The Reset costs the new price, but retains the old payout cap
The upcoming rebill will now reflect the new price
Example 4 — Existing Trading Combine Passed After April 28, Activating XFA after April 28
Trader purchases a $100K Trading Combine before April 28 and passes after April 28
Trader has an active Express Funded Account after April 28 with the old payout cap
Trader uses Back2Funded to Reactivate that account afterwards and retains the old payout cap upon reactivation
Example 5 — $150K No Activation Fee Trading Combine Purchased After April 28
Trader purchases a new $150K No Activation Fee Trading Combine on or after April 28
New pricing of $229/mo applies
If the account passes, the payout cap is the same as before for $150k accounts
Standard: $5,000 per Payout
Consistency: $6,000 per Payout
Express Funded Account Activation Fee
Express Funded Account Activation Fee
Topstep offers two paths to funding, each with a different approach to the Activation Fee.
Standard Path
Lower monthly cost. Activation Fee paid after you pass.
50K: $49/month + $149 Activation Fee
100K: $99/month + $149 Activation Fee
150K: $149/month + $149 Activation Fee
No Activation Fee Path
Higher monthly cost. No Activation Fee when you pass.
Important Notes
Activation Fee applies only to the Standard Path, charged once per Express Funded Account earned
Payable by credit or debit card
Pricing FAQs
Which Activation Fee applies if I'm already in a Trading Combine?
Any Express Funded Account activated on or after February 5, 2026 uses the $149 fee.
Will my Rebill price change?
No. Resets and new purchases reflect updated pricing from February 5, 2026 — your rebill is unchanged.
Is there a price difference between Standard and Consistency Express Funded Accounts?
No. The activation price is the same for both.
Data Fees
Data Fees
Level 1 Data (Top of Book)
Includes best bid and ask prices. Used for chart trading. Included at no additional cost with your Topstep subscription.
Level 2 Data (Depth of Market)
Shows multiple bid/ask levels (typically 5–10). Used for DOM or Matrix trading. Available as an upgrade for $38/month, payable by credit or debit card.
How do I purchase Level 2 data?
How do I purchase Level 2 data?
Go to your Topstep Dashboard, visit the Accounts tab, click Add Ons, and select Depth of Market Bundle.
Level 2 data is not prorated — you're charged the full price regardless of when you purchase, and billed on the 1st of each month.
Level 1 and Level 2 pricing applies to Trading Combines and Express Funded Accounts only. Live Funded Account traders are subject to Professional Data fees. See the Live Funded Account costs article for details.
Commissions and Fees
Commissions and Fees
Commissions and fees are automatically deducted from your balance with each filled trade and reflected in your Net P&L.
View full breakdowns: Trading Combines & Express Funded Accounts · Live Funded Accounts
VAT and Sales Tax
VAT and Sales Tax
Listed prices reflect base costs only. Applicable taxes (VAT, GST, sales tax) are calculated and displayed at checkout in accordance with local regulations. Topstep collects and remits all taxes and does not retain any portion. View billing details anytime from your account dashboard.
Promo Code Information
Read this before applying a promo code:
Already have an account? Log in to your Dashboard before applying — do not create a new profile.
Codes apply to either a new Trading Combine or a Reset — not both. Read the terms carefully.
Topstep does not offer refunds for codes applied incorrectly. Account size cannot be changed after purchase.
Unless stated otherwise, the first month bills at the promotional price. All subsequent rebills and Resets are full price.
Please note: Topstep does not refund purchases where a promo code was not applied, or Trading Combines purchased outside of promotion terms. Purchasing at full price before a sale does not qualify for a retroactive discount.
How to apply a promo code
How to apply a promo code
Log in to the Topstep Dashboard and click "Start a Trading Combine."
Select your account size.
Accept the Trading Combine Account Rebill Agreement, then confirm your address.
Fill in your address and click "Confirm Shipping Info."
Under Coupons & Payment, enter your code and click "Apply."
The discounted amount will appear once applied.
Enter payment details and click "Pay."
What do I do if my promo code isn't working?
What do I do if my promo code isn't working?
Start by reviewing the terms in your offer email. If you're seeing an error, check the following:
Codes are case-sensitive
Remove any spaces before or after the code
Try typing manually if copy/paste isn't working
Codes are profile-specific and won't work under a different email address
Confirm you meet any eligibility criteria (e.g., invite-only codes)
Payments and Troubleshooting
Topstep accepts Visa, Mastercard, American Express, and Discover. PayPal is not supported.
How to Add or Update Payment Details
Go to your Billing Page
Click Add New Card and enter your details
Scroll to Subscriptions
Click the Edit icon next to the subscription you want to update
Select your preferred card from the dropdown and save
At least one card must remain on file while a Trading Combine is active. Removing all cards will close your account.
Troubleshooting Payment Issues
Troubleshooting Payment Issues
1. Use a Card in Your Name
Your card must match the name on your Topstep profile exactly. Using someone else's card — even with permission — violates Topstep's Terms of Use and will be declined. Your profile must reflect your full legal name — nicknames and business names may cause a decline.
2. Check Your Billing Address
Must match your bank's records exactly, including formatting (e.g., "St" vs. "Street").
3. Re-Enter Your Payment Details
Delete your saved card and re-enter manually — avoid autofill. If the card is tied to an active subscription and can't be removed, add a new card first and set it as preferred.
4. Wait Before Retrying
Wait at least one hour between attempts. Rapid retries can trigger temporary blocks from your bank.
5. Contact Your Bank
If still declined, your bank may be blocking the transaction. When you call, ask the Fraud department to check for holds, confirm international and online transactions are enabled, and request they allowlist Topstep. Try the transaction while on the line. If unresolved, ask to switch from credit to debit, or try a different card.
6. Browser and Device Checks
Clear cache and cookies, or use a private/incognito window
Try a different browser or device
Disable VPNs, ad blockers, or extensions — VPN use is not permitted on Topstep
Delete your payment method and re-add it
For information on Topstep's Refund Policy: Topstep® Refund Policies