Chat Money System Review

The Best Sales Course?

We’re on a mission to find the best sales training, based on our own extensive research and feedback from verified students.

While the Chat Money System sometimes does not feel like a sales course – it’s far more focused on mindset – it does cover a lot of the same ground.

With that in mind, the Chat Money System is decent sales training, but it’s not the best we’ve seen…

How does Chat Money System help you make money?

Chat Money System aims to help you make money by providing marketing services to businesses on Instagram. And instead of delivering the service yourself, you pay someone to do it for you under your brand (aka white labeling.)

So you’re basically a middleman that connects businesses with services, and you keep the difference between what you get paid and what you pay the service provider.

For example, let’s say you want to help doctors get more patients online.

You would:

• Message 50 doctors per day on Instagram
• Convince a doctor to pay you $1,000 for Google ads or SEO services
• Pay your partner $500 to fulfill the service and keep the $500 difference

This business model is sometimes referred to as drop servicing.

Who is Chat Money System for?

The sales page doesn’t specify who Chat Money System is for, but it seems to be intended for beginner marketers charmed by the opportunity to live a lavish lifestyle.

Which is the kind of lifestyle that Marcel Fernandes likes to show off on his Instagram…

Inside the training there’s a ton of mindset related material, so people willing to pay for motivational business content might find it appealing.

• 70+ ways how to make money online (including easy options)

Does Marcel Fernandes have a good reputation?

No, not exactly.

During my research of Marcel Fernandes and Chat Money System, I found far more criticism and scam accusations than praise for the training and its creator.

Some major red flags for me are the dozens of complaints about Marcel not delivering on his promises.

For example, some students claim they did not get access to the course and were ignored by customer support…

Now, to Marcel’s credit, I was able to join an onboarding call where there were 10 other students asking questions and getting answers from a team member.

If you want to give him the benefit of the doubt, it’s possible he was overwhelmed with demand and couldn’t keep up with onboarding new customers.

But even if that were true, it doesn’t excuse leaving people in the dark for weeks after taking their money 😕

I’d expect much better from someone as successful and experienced as Marcel claims to be.

I also noticed numerous questionable marketing tactics on the Chat Money System sales page.

For example, there’s a countdown timer that doesn’t seem to do anything…

Logos from websites where I didn’t find any mention of Marcel or his training…

And content mentioned in the sales video that’s nowhere to be found in the course…

Marcel also says you’ll get access to a software that finds clients for you. But it turns out that this “software” is just the search feature on a well-known B2B social media platform 🙄

Next, you’re promised a “free accountability coach” that’s available “5 days per week.” However, it seems that this is actually sold as a $27/month group coaching upsell only after you get access to the main training.

And on top of that, here’s a financial claim that makes it seem like everyone will get results…

You’ll be able to start using it today and make an extra income of three to four grand a month or even more for the rest of your life.

In case you’re interested, below is a video of Marcel explaining the Chat Money System so you can get a better feel for his style…

Are Marcel Fernandes’ students getting results?

The sales page features a few student results…

However, I’m not totally convinced these are legitimate given the other questionable marketing tactics used to promote the Chat Money System 😕

How much does Chat Money System cost?

The course costs $97 one-time for lifetime access.

You’re also presented with the option to buy $27 per month group coaching, which he claims to offer for free.

There are no other costs involved.

Chat Money System Discount?

I’ve searched every possible location for a discount or coupon code, yet have come up empty.

Looks like you have to pay the whole price to get in.

Refund Policy

Marcel claims to offer an unconditional 7-day money-back guarantee and conditional 60-day, double your money, money-back guarantee.

HOWEVER, there have been multiple reports of people requesting refunds and not receiving them.

Also, the policy linked to from the sales page is for an entirely different program.

I would say it’s safer to assume you won’t be able to get your money back if you sign up.

How is Chat Money System structured?

The member’s area looks like this once you log in…

The first 4 days of training focus mainly on mindset. The rest of the days are a mix of mindset, Marcel on camera talking about theory, whiteboard explanations, and actual over-the-shoulder instructions.

Here’s a look at the most action-packed day…

This is where most of the value is; the sales material here is quite strong.

I found that navigating the members’ area was somewhat confusing.

And while there is a search feature, most video names are vague. So it’s tough finding and rewatching specific material.

See the lesson names in this module, for example…

Marcel also includes 9 “high status” Instagram posts so your Instagram account looks complete as well as a detailed sales call script.

Green Lights 🟢 

Here are a few things to like about Chat Money System…

• Surprisingly valuable sales training.
• Strong emphasis at becoming the best at what you do.

Red Flags 🚩 

A few things about Chat Money System that might give you pause…

• Complicated refund policy (+ numerous complaints about refunds).
• Lacking some key info, feels incomplete.
• Training often feels disjointed and hard to navigate.
• Unclear how often the training is updated.
• Many students complain about Marcel not keeping his promises.
• Questionable marketing tactics (false scarcity, financial claims).

Other things you should know

• Within the training, expect to access handy downloads, including Instagram posts and sales scripts.
• Beyond all the mindset stuff, the course contains solid sales and copywriting training. However, what’s missing is the core element of actually introducing beginners to white label service providers. That’s totally left up to you to figure out. And without this element, newbies might have a tough time competing with every other business service seller on Instagram.

Should you join Chat Money System?

If you’re new to entrepreneurship and are looking for a quick and easy way to make money online, there’s a good chance you’ll end up disappointed with the Chat Money System.

There simply isn’t enough beginner-friendly guidance to justify the price.

Plus, the combination of shady marketing, scam accusations, and complaints about not receiving refunds is too striking to ignore IMO.

Personally, I’d be hesitant to join Marcel Fernandes’ training given all the above.

Chat Money System Alternatives

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