May 11, 2026
If you're new here, take this quick make money online quiz to discover what route is the best one for you.
2026 Update
Paul, the owner of American Bill Money, reached out to me in May 2026 asking me to take this review down.
I said no, but I told him I'd happily update it with anything he wanted to clarify.
What followed was a long back-and-forth. Some of it got heated, but I did learn a few things I didn't know before — and I've updated the review below to reflect them.
Paul also said he'd be happy for me to publish our full conversation, so I have. It's in the accordion below, unedited. Read it for yourself and make your own mind up.
So you've probably stumbled across the opportunity to make residual money from home with American Bill Money.
But is it a scam or a pyramid scheme?
First of all, I want to congratulate you on spending your time to research the company. Many people fall for scams because they don't spend a few minutes researching them.
This unbiased American Bill Money review, with videos, will expose the true pros and cons of this "opportunity".
Name: American Bill Money (ABM)
Founders: Paul Korzeniowski in 2003
Website URL: abminfo.com
Type: Direct mail MLM
Products (Including Pricing): 30 out of 100 (postcards promoting ABM, plus print broker services for custom materials)
Success Stories: 20 out of 100
Price To Join MLM: $50 per month (40 out of 100)
Summary:
American Bill Money (ABM) is a company that sends you pre-printed postcards each month, along with leads (addresses) to post them to. The postcards promote ABM's opportunity. According to the owner, ABM also operates as a print broker — meaning customers can have their own materials printed on whatever they want, not just postcards promoting ABM.
The main way most people earn from this company is by recruiting new paying members. That's a structure I'm personally not a fan of, but it's not the same as an outright scam — and you can read the full pros and cons below.
Make Time Online Rating: 30 out of 100
Recommended: Not for me — but read the full review and decide for yourself
American Bill Money is a Multi-Level-Marketing company that provide you with "leads" (addresses) and postcards for you to send to random people in the hopes they also join the program.
It was founded in 2003 by Paul Korzeniowski and is supposed to help Americans, just like you, make residual income.
You can watch the 6 minute sales video below if you haven't seen it already...
So it sort of seems possible right?
Send these postcards to people and hope at least 2 sign up then you effectively get your membership for free!
This is the one question I really wanted a straight answer to from Paul in 2026. I didn't get one.
Here's what I can confirm:
Here's what I couldn't get answered:
I found this website helpful but it isn't the official website so it may disappear at any time: https://www.americanbill.money/products
The full exchange with Paul is at the top of this page on his request. If I get clearer answers, I'll update this section.
One of the things I wanted to figure out was whether ABM's print service is competitively priced on its own — separate from the income opportunity side of the business.
Here's what I found.
At $50/month, you receive around 150 pre-designed ABM postcards. That works out to roughly 33 cents per card, and the cards are designed to promote ABM.
For comparison, here are a few standalone print-broker alternatives where you can upload your own design and have it printed on whatever you want:
If you ordered 1,000 4x6 postcards in bulk from any of these printers, you'd typically pay somewhere between 5 and 10 cents per card — and you'd own the artwork outright, with no monthly subscription, no member ID stickers, and no MLM compensation plan attached.
That said, ABM does bundle in monthly leads, follow-up sales handling, and the recruitment opportunity itself. So you're not paying purely for printing — you're paying for the whole package.
Whether that package is worth it for you depends on whether you actually want the opportunity side. If you just want postcards printed, the standalone print brokers above will be cheaper.
Technically, no — ABM does have a product. The postcards exist, and according to Paul, ABM also offers print broker services for custom materials. So it doesn't meet the strict legal definition of a pyramid scheme.
But the compensation structure is heavily weighted towards recruiting new members rather than rewarding people for using or reselling the product. That's the part most reviewers — including me — find problematic.
A business model that recruits members via a promise of payment for enrolling others into the scheme, rather than supplying a service or product.
That's the strict definition on Wikipedia. ABM doesn't meet it because it does supply a product. What I'd say it shares with pyramid-style structures is that recruiting is by far the most rewarded activity.
These are illegal in most countries because they are totally unsustainable, as you can see in the diagram below...
The compensation plan means you need to recruit 5 people (within 3 steps of you- I'll explain this later) just to break even on the basic monthly fee. After that, the structure pays you for further recruits below you.
That kind of structure is genuinely difficult for most people to win at — not because it's illegal, but because the maths gets harder the further down the line you join.
Watch this to learn more about how to spot a pyramid scheme...
Even if it was possible for everyone to make money from American Bill Money, it's still really rare in any MLM company...
The reason is due to the monthly costs involved and the fact that so many people don't really understand how they work until it's too late.
Once people work out they can only make money by recruiting people they tend to leave and it's eaten up a few thousand dollars!
They provide leads (addresses) for you to mail the postcards to each month.
You pay the stamps and do the posting. If anyone who receives a postcard signs up to ABM under you, you earn a commission.
So here's an example of the postcards and "leads" (address labels) that will get sent to you...
Then all you do is put a stamp on them and stick them in the postbox.
Can you see that it's not really a product, but rather a system to help the owner make more money. You'd think this would be very rare within MLMs (and it is to some extent).
Let me make this clear though... ABM is not alone in its methods.
Here are some other recruiting-focused MLMs I've reviewed where the compensation structure raises similar questions:
You post the postcards and hope that someone else joins the company.
Fingers crossed!
The basic monthly package costs $50 a month.
Paul confirmed in May 2026 that the older $125 and $250 monthly packages have been discontinued. Annual options may still be available — worth asking directly.
If you want to take this seriously and send out hundreds of postcards each month, you'll also need to factor in the cost of stamps and any additional cards or materials you buy on top of the subscription. That can easily add up to a few hundred dollars a month.
So obviously if you pay monthly that is how much it will cost you.
But you also may need to factor in the price of stamps into it...
If you are sending out 300 postcards a month, that is quite a bit of extra dosh you need lying around.
The compensation plan works differently from most MLM companies I've reviewed. Here's how it breaks down (note this may be outdated now)...
According to Paul's email in May 2026, the current compensation structure works like this:
You also get $10 a month for anyone the people you recruit then bring in, and $10 a month for anyone those people bring in. So three layers deep.
In plain English: you earn from the people you sign up, plus a little bit from the people they sign up, plus a little bit from the people those people sign up. After that, you don't earn anything from people further down the chain.
No, I don't think ABM is a scam in the strict sense of the word.
Commissions do appear to get paid. The company has been running since 2003, which is a long time for any business to operate without being shut down. Paul has said the company has an A+ rating with the BBB and that he was interviewed by the SEC in 2006 and cleared.
I haven't personally verified those last two claims, but I'm happy to pass them on as Paul has stated them.
Where I disagree with ABM is on the structure: the compensation plan rewards recruiting far more than product use, and that's a structure that historically results in most people not making money. That's a personal call though, not a legal one.
Just to be fully transparent: I'm not an ABM distributor and never have been. I haven't bought the postcards myself. This review is based on the company's sales materials, publicly available information, and direct emails with Paul, the owner.
I have researched the website, testimonials and information on the Internet to get to the bottom of what this program genuinely does. This is because I have been burnt from programs in the past and I want to prevent others from making the same mistakes. If you’d like to learn how to “Spot an Online Marketing Scam” then click the highlighted text.
Related content:
Even though it's not something I'd personally recommend, there are some genuine positives worth flagging...
Key Terms:
If you go on YouTube you will see a selection of videos just like this...
Real people getting paid!
To be honest, it's one of those "get rich easy" schemes that people love the idea of.
The income these people show comes from recruiting others into the same structure. Whether that's something you're comfortable doing is a personal call.
Paul has said he was interviewed by the SEC in 2006 and that the company was cleared.
He clearly believes strongly in what he's built — 23 years is a long time to keep a business running.
Well, there are certainly some things I'm not a fan of around any company like this.
You can ONLY make money by recruiting more people into the company...
The sales video even makes it clear that you need to recruit 2 people to cover your costs (although that doesn't seem accurate nowadays- it's more like 5, 3 layers deep).
It even shows you that the way you make money is by getting more people to join the company.
Most of the activity is built around recruiting rather than developing transferable skills.
The compensation structure rewards recruiting much more than it rewards product use. That's the part of the business I find hardest to recommend.
Like I said earlier, it's IMPOSSIBLE for everyone to make money in this system.
Just look at the diagram one more time...
Loads of people have been pointing this out online for years. The company is somehow still going.
This isn't unique to ABM. It's a feature of most MLM-style compensation plans, and it's why MLM income disclosure data consistently shows the majority of participants don't profit.
So the sales video says they'll give you these "leads" each month...
Paul has stated in our 2026 correspondence that the claim of deceased people being included on the leads list is not true.
The leads are addresses the company supplies to you each month. I don't know how these lists are sourced or how often they're updated. If you're considering joining, it's worth asking Paul directly before you pay anything.
Postcards as a marketing channel is something I was sceptical about, but Paul made a fair point in his email: direct mail is still used by a significant number of marketers, and postcards in particular are one of the more effective direct mail formats.
So this isn't a deal-breaker on its own. The bigger question for me is what's on the postcards — and in ABM's case, the standard postcards promote the ABM opportunity itself rather than an external product or service.
At one time there was some online marketing training for certain members but I'm not sure if this still exists or what it includes.
Paul has publicly said no money back guarantee is a good thing...
Most companies or products offer a money back guarantee. It shows they have faith in their product or service and rely on providing good customer service and results.
"No refunds" only suggest that companies are after your money and hoping that people don't realise there isn't a refund policy!
The only current review I can find on a normal review site like Trustpilot or the equivalent was on the BBB. Previous reviews like the one I got above when I first reviewed this in 2020 seem to have been removed.
When I emailed Paul in May 2026 to update this review, I asked some questions that didn't get the level of detail I was hoping for. Specifically: exactly how many postcards do you get for $50 a month, what's the pricing for buying more, and where are the neutral customer reviews online.
Paul did confirm a few important things: ABM operates as a print broker (not just postcards), the $50 plan is the current basic offer, and the compensation has 100% Fast Start to the sponsor plus $10/month across three levels.
The full email exchange is in the accordion at the top of this article. Have a read and form your own view — I'd rather you do that than rely only on my summary.
Online search interest for ABM has trended downwards over the years, based on Google Trends data.
Paul has pushed back on this point — he says the company is busier than ever and heading into its 24th year. Online search trends and offline business activity aren't always the same thing, so it's fair to flag both views.
Generally speaking, the people who do best in any MLM-style company tend to be the ones who join early in its growth cycle such as companies like Farmasi.
Here's my honest opinion about American Bill Money...
If you're comfortable with the recruiting-focused model and the fact that most MLM participants don't profit, you can probably cover your own monthly cost by getting a couple of people to sign up under you.
It's not something I'd be comfortable doing, and it's not something I'd recommend to anyone reading this- as those people are very likely to lose money and resent you for it.
MLMs are not scams or illegal. However, I'm not a fan of them because of the restrictions to the expensive products you have to promote.
Once I learnt about affiliate marketing, I realised it's a far superior business model because:
In 2018 I had no idea what affiliate marketing was.
But I went from a full time PE teacher to making a passive income online within one year...
If you want to discover how I did it then check out this special video I created which explains exactly how.
Best Affiliate Marketing Courses: The best, most popular, and highly effective affiliate marketing courses are reviewed here in deep detail, alongside their features, content, pros, cons, and more.
Read MoreYou probably know that many MLMs produce income disclosure statements. But these statements are often deceptive, misleading and even leave Sherlock Holmes confused. Chances are you’ve been looking for a legit way to make money from home for some time now. And there are new MLMs created every day. With the low barrier to entry, many people consider
Read MoreFind out how to make money from a blog quickly in this blog income reports study. 57 income reports reveal the most important way for you to make money is..
Read MoreDownload our free 7-day bootcamp to learn how thousands of people make a passive income online with proven long term strategies.