How does cashback work?

Cashback means you earn a share of every challenge fee back as pips, automatically. It's one of the biggest ways to build your pip balance just by trading the challenges you were buying anyway. Your rate goes up as you climb tiers.

What's my cashback rate?

It depends on your tier:

The higher your tier, the bigger the share you get back on every purchase. (See the tiers article for how to climb.)

How much is that in pips?

Cashback is paid as pips, where 100 pips = $1 (1 pip = $0.01). So on a $500 challenge:

• At Intern (5%) you'd earn $25 back = 2,500 pips.
• At Partner (15%) you'd earn $75 back = 7,500 pips.

When does it credit?

Automatically. When your challenge purchase is confirmed, the cashback pips land in your Desk wallet, nothing to claim. You'll see it in your pip activity, tied to that order.

Does it stack with promos and discounts?

Yes. You can use a promo code or discount at checkout and still earn cashback pips on the purchase; they work together. Cashback is calculated on the amount you actually pay (after any discount). So if a $500 challenge costs you $300 after a promo, a 10% cashback rate earns you $30 back (3,000 pips), not $50.

Is cashback paid as cash?

No. Like everything on The Desk, cashback is paid as pips: reward currency you redeem for challenge discounts, free resets and other perks. Pips are never withdrawable as cash.