OneStopProp review: “100% refundable” on plans its FAQ never refunds

Verdict. OneStopProp suits a trader who wants US stock CFDs, forex and crypto on one simulated Match-Trader account, and who is patient enough to reach a third payout. It does not suit anyone buying Instant Funding because of the “100% Refundable” badge: the firm’s own FAQ excludes Instant accounts from the refund, and its Terms and Refund Policy promise no refunds at all. The biggest caveat is that the refund lives only in a help-centre answer, not in the contract.

Key terms ($100K Standard 2-Step, as published on 27 September 2026)

• Challenge fee: $542 list, $380 with the anniversary code; $100K Standard Instant is $1,500 list, $1,050 discounted (OneStopProp pricing table)
• Account sizes: $10K to $300K on the evaluation paths; Instant tops out at $200K
• Profit target: 8% in Step 1, 5% in Step 2, no time limit
• Maximum loss: 8% of the initial balance, static on Standard accounts (Help Center, max total loss)
• Daily loss limit: 4%, measured from the higher of balance or equity at 12:00 AM EST
• Profit split: 90% on Standard evaluation accounts, 85% on Standard Instant
• Payout frequency and cap: every 14 days, $3,000 per request on a $100K account for the first five payouts, $150 minimum (Help Center, payout rules)
• Minimum trading days: 4 in each evaluation step, 6 per funded payout cycle

Every account on OneStopProp’s pricing table carries three ticks: “One Time Payment”, “No Hidden Fees” and “100% Refundable”. The last is the one worth reading closely, because three other documents on the same website say something different, and they do not agree with each other either.

Related:Quantum Funding review: the homepage FAQ is still Lorem ipsum

OneStopProp sells simulated evaluations in US stock CFDs, forex, crypto, indices and metals, and is running a “2 YEAR ANNIVERSARY” promotion. We checked the refund promise, the anniversary and the company behind the brand against its help centre, its Terms and the Wyoming register.

What “100% Refundable” actually means

The badge is not a naked claim. Hover over the small information icon beside it and a tooltip reads: “Your challenge fee is fully refunded after you successfully receive your third payout.” That matches the help-centre answer to “Is the challenge fee refundable?”, last updated on 13 June 2025, which says the fee “for the account you completed” is refunded at the third payout, that this “excludes Instant Funding accounts”, and that a trader who fails before the third payout gets nothing back.

So this is the industry’s familiar fee-back-on-payout construction, with a later trigger than most, not a refund denied outright. What survives is narrower.

First, the badge does not change with the product. When we selected the $100K Standard Instant account on 27 September, the card showed $1,050 and still displayed “100% Refundable”. The FAQ says that account is never refunded. Instant accounts are also the most expensive on the table, so the refund claim sits most prominently on the purchases it does not cover.

Second, the promise is not in the contract. OneStopProp’s Terms and Conditions describe a “nonrefundable access fee” at clause 3.2, and clause 23 says all purchases are “final and nonrefundable”, adding that the policy “applies regardless of performance”. The separate Refund Policy goes further: once credentials are issued, “no refunds will be granted under any circumstances”. Clause 20 states that the Terms are the entire agreement. The third-payout refund appears in none of them.

The help centre says funded traders sign a separate Funded Agreement after passing. That document is not published, so we could not check whether it restores the refund. A trader relying on the badge is relying on a tooltip and an FAQ page that the Terms, read literally, override.

How long the third payout takes

The third payout is a real hurdle, not a formality. On a Standard 1-Step or 2-Step account, the payout rules require at least 6 trading days in each 14-day cycle, and the 14-day countdown restarts only when the previous request is processed. Each trading day must move the account by at least 0.5% to count. Before any withdrawal, the account must hold a 4% buffer, $4,000 on a $100K account. No single day may produce 25% or more of the cycle’s profit.

So a Standard trader reaches a third payout no sooner than about four weeks after the first is processed, each capped at $3,000 on a $100K account, unless they buy the daily-payout add-on. Pro accounts move faster: 8 trading days to the first request, then every 5 days.

Payout evidence and what could not be verified

OneStopProp publishes no audited payout totals, no count of funded traders and no pass rate. The “65K+ traders” figure on its About page is unsourced. What exists is anecdotal.

On the positive side, the firm’s homepage embeds a post by trader Sean Dekmar on X, dated 25 February 2026, in which he says he bought a $100,000 account for $300, passed and requested a $3,000 payout. That sum matches the $3,000 cap. The same carousel carries a Stocktwits testimonial whose author says he chose to “affiliate myself with OneStopProp”.

On Trustpilot, OneStopProp scored 3.8 from 73 reviews on 27 September 2026, on a profile claimed in January 2025 with a paid subscription. The distribution is polarised: 47 five-star and 16 one-star reviews, with only 10 in between. The one-star reviews cluster in two bursts, four between 4 April and 2 May 2025 and four between 7 and 12 March 2026, and several allege rejected payouts or disputed breaches. The firm replied that one March 2026 reviewer was posting fake reviews from multiple accounts. We could not verify either side.

One reply is worth quoting because it concerns the rules. Answering a trader who lost an account while above the starting balance, the “OneStopProp Team” wrote on 1 September 2026: “that is how trailing drawdown works.” That is accurate for Pro accounts, whose limit trails until the account is up 6% or 5%. Standard accounts, per the help centre, use a fixed percentage of the initial balance.

The rules that void accounts

• News windows on Standard funded accounts. Positions must be closed 5 minutes before and not reopened until 5 minutes after FOMC decisions, Fed Chair speeches, NFP, CPI, PPI and every individual stock earnings report, per the news-trading FAQ. For a firm selling itself on stocks, the earnings ban is the one to plan around. Pro accounts allow news trading.
• Position sizing. “Sudden or erratic” size changes made to secure a payout are not allowed, a discretionary test.
• Prohibited strategies. Hedging, martingale, grid trading, high-frequency trading, tick scalping and trading on delayed charts are all listed, per the strategies FAQ.
• Manual review. The help centre warns that “not all violations are automatically flagged”; some surface only when the risk team reviews a payout.
• Stock universe. The help centre’s instrument list counted 154 US stock CFDs, 40 forex pairs and 30 cryptocurrencies: a curated list, not the whole US market.

How the refund compares

FTMO’s FAQ names the product that gets a refund and the one that does not. OneStopProp’s FAQ does too; its price card does not. We found a similar gap between a refundable-fee headline and the contract in our review of The Funded Pro.

The company, the anniversary and the lapse

The footer on every OneStopProp page reads “ONE STOP PROP LLC, 5830 E 2ND ST, Casper, WY, 2025-001470674”. A 2025 filing number beside a two-year anniversary looks like a contradiction. It is not. The Terms give “2024-001470674”, and the Wyoming Secretary of State register confirms that is the correct ID: ONE STOP PROP LLC, a domestic LLC first filed on 7 June 2024 through IncFile as organiser. The footer’s “2025” prefix is a typo. With the domain registered on 20 February 2024 (Verisign RDAP), “2+ years in business” is defensible, and the January 2025 Trustpilot claim fits.

The register shows something the website does not mention. The LLC was revoked for unpaid tax on 9 August 2025 (filing 2025-005973045) and reinstated on 26 May 2026, the same day its 2025 annual report was filed. For about nine and a half months the entity named in the Terms was administratively dissolved while the brand kept selling accounts; the February 2026 payout its homepage celebrates falls inside that window. It is now active and in good standing, with its 2026 annual report filed on 20 June.

The principal office, 5830 E 2nd St, Ste 7000, is the address of its registered agent, Republic Registered Agent LLC, so it is a mailbox rather than an operating office. The Terms are governed by Florida law with AAA arbitration. We covered another Wyoming LLC with a distant governing law in its Space Funded review. We found no link between OneStopProp and any parent group already reviewed on this site.

One more homepage figure is not what it looks like. The “Limited to 400 users” anniversary banner showed 75 spots left on 27 September. The page’s own JavaScript calculates that number from the clock alone, falling from 400 on 11 September towards a floor of 5 by 1 October. It does not count sales.

Regulatory posture

OneStopProp is not regulated by any financial authority, and it says so: it is “not a broker, dealer, exchange, or investment advisor” and does not hold client deposits. Every stage, including the funded account, is simulated. The help centre adds that funded trading data is sent to a partnered proprietary firm that copies trades “at its discretion”, without naming that partner. Payouts are performance rewards, not profits on the trader’s own capital. On reading prop-firm Trustpilot scores, see our Monevis review.

FAQ

Is the OneStopProp challenge fee refundable?

Only in part, and only on paper outside the contract. The help centre says the fee for a 1-Step or 2-Step account is refunded when you receive your third payout. Instant Funding is excluded, and failing before a third payout means no refund. The Terms and Refund Policy say all purchases are non-refundable, and they do not mention this refund.

How long does it take to reach the third payout?

On Standard accounts, payouts are available every 14 days, counted from when the previous request is processed, with 6 qualifying trading days per cycle. That puts a third payout at least four weeks after the first. Pro accounts allow requests every 5 days after an 8-day first cycle, so they get there sooner.

Is OneStopProp regulated?

No. It is a Wyoming LLC, ONE STOP PROP LLC (2024-001470674), that sells simulated evaluations. It is not a broker and holds no licence from any financial regulator. All trading, including funded accounts, happens in a demo environment on Match-Trader, and rewards are paid at the firm’s discretion under its rules.

Is OneStopProp really two years old?

Broadly, yes. The Wyoming register shows the LLC was first filed on 7 June 2024 and the domain dates from February 2024. The footer’s “2025” ID prefix is a typo. The LLC was dissolved for unpaid tax from August 2025 to May 2026, which the firm does not disclose.

This review is independent editorial analysis and is not financial, investment, or trading advice, and is not an endorsement or solicitation. The Industry Spread has no affiliate or referral relationship with the firms covered. Proprietary trading challenges carry a fee that is generally non-refundable, most participants do not reach a funded account, and funded capital is the firm’s capital, not the trader’s. Terms change frequently — always verify current rules directly with the firm before paying any fee.