My Online Business Empire REVIEW

Let me start my review of MOBE with how Matt Lloyd, cheated me right after I joined “MOBE Affiliate Program” so that you know from the onset where I stand.

Name: My Online Business Empire (MOBE)
Website URL: www.mobe.com
Price: $49 + $19.95/month + a lot of upsells that cost from $2,497 up to $29,997
Business Location: Malaysia
Owner: Matt Lloyd of Australia
MOBE Resort: Costa Rica
Business Model: Multi-Level Marketing (MLM)
Recommended: For people with deep pockets to buy extremely expensive MOBE products and have great marketing skill, and have the nerve to recruit others into buying the same products.
NOT Recommended for beginners seeking for real affiliate program to do real online business.

Apart from My Online Business Empire (MOBE) Matt Llyod also owns My Top Tier Business (MTTB) and My Millionaire Mentor. Though it claims to be an Affiliate Program the business model used by MOBE is more like MLM scheme, where members are required to buy online marketing tools and recruit other members into buying the same products to earn commissions.

Since the end of 2014, the name of the company was changed from My Online Business Empire to My Online Business Education.

I joined MOBE in 2015 paying $49, with the belief that this was all I have to pay to start the 21-step training course and to earn “$1,250, $3,300 or even $5,50” as “affiliate commission” just by bringing in leads and more leads. This was exactly what I was told by MOBE’s introductory video in the first place.

After I placed the above order, I was offered another product that costs $297, which was supposed to let me earn more commission. Having been stupidly mesmerized with the prospect of earning thousands of commission dollars I ordered this product, simultaneously. But Matt Llyod withdrew a total of $594 from my credit card (that is double the stated price of the product) without sending me any product or receipt.

Skepticism abound in the world of Internet Marketing, this raised my eyebrows and I immediately decided to pull the plug and get out of this dishonest scheme once and for all. Thinking back, I felt somewhat so naive that even after being scammed before for several times in the past, it didn’t occur to me that this program will cheat me until this moment. The lesson I learned from this unfortunate episode is: “Never commit yourselves to buy anything until you know what exactly it will deliver”.

Here is  the excerpt of my letter to Matt Lloyd:-

Long story short, my Credit Card issuer and my bank had to get involved to get my money back. And that’s the end of my story with MOBE.

This being my personal experience with MOBE, obviously, my review of the company cannot be unbiased. Upon further investigation of the company, many other facts came to light and I am now sharing my opinion with you so that you can decide on your own if MOBE is for you or not.

The very label “MOBE Affiliate Program” is misleading in the first place. Actually, MOBE is not an affiliate program. It is more like the MLM scheme. I joined it thinking that it was an affiliate program. But it turned out that Mister Matt Llyod is using the “affiliate” label to attract people like me seeking for an affiliate program.  OK, he calls the compensations he is paying out as affiliate commission, so some may insist that it is an affiliate program. I will explain more about this later. Please read through.

At a first glance, the initial down payment of $49.- for the 21-steps online marketing training course seemed to be reasonable. But later I find out that you need to pay $19.95 per month to Mark Llyod if you want to promote his products to earn lucrative commission he promised. But Matt Lloyd would never mention this monthly costs of $19.95 during his initial video when he was first trying to get you into the scheme through the video at the entry point.

It is unusual for an affiliate program to charge you any down payment or a monthly one to sell their products, and basically, building an affiliate business does not necessarily cost a lot of money. There are genuine affiliate networks like Amazon, Clickbank etc., to name but a few, that cost you nothing, and some affiliate training courses like Wealthy Affiliate even offer you free training, hosting and free websites to start your business.

However, MOBE has quite a variety of ridiculously overpriced products, and you are required to purchase these products to be able to promote them. Not only that, you are still required to pay a hefty monthly payment after you have already purchased the products and even promoting them. That is outrageous, to say the least.

Remember the saying “Greed’s worst point is its ingratitude”? When someone has already bought your product and even promoting it on your behalf and you still want to charge him/her a yearly payment ranging from $239 to $3588, if this is not greed and ingratitude, what is?

The following chart is the overview of major product costs of MOBE “affiliate” program:-

So, you are first made to believe that you just need to pay $49 for the 21-steps training course to join MOBE only to find out, later when you are inside the program, that you need to purchase vastly overpriced higher-ticket MOBE products to get the rights to promote them to others. So, there is no transparency at all right from the very start. And the chart above shows how much you have to invest, depending on the membership tier of your choice. Not only that, there are loads of training courses as you upgrade your membership levels. The chart above shows just the major products and there are plenty of oddly named products with commission ranging from 50{0caf5c268b9bbcf0ee8f9feb12dbc78c5c9c866de01574ab2a0efebe068596a7} to 90{0caf5c268b9bbcf0ee8f9feb12dbc78c5c9c866de01574ab2a0efebe068596a7}.


  • Apart from the high commissions offered by MOBE, there is nothing so favorable to mention about.


  •  You are made to buy and sell extremely expensive MOBE products, mostly online marketing tools some of which are even available free of charge on the Internet.
  • Ridiculously full of upsells
  • Zero transparency
  • The training courses are mostly geared on selling MOBE products rather than building a long-term sustainable online niche business of your own.
  • Difficult to contact the owner
  • Weak community support

If I could afford to pay $33,585.- for MOBE’s Diamond membership ($29,997 product cost + $3588 yearly payment). for instance, I would rather start my own offline or online business independently. It is not to say that there is no chance of making money by promoting MOBE products. There seem to be some big name gurus, not newbies, making money out of it. So, if you have a deep pocket and think pushing other people to buy the same product you have bought is the type of business you want to get involved, so be it. Have a good luck.

My gratitude to Matt Llyod of MOBE

Having been scammed for many times before and with such a bad experience with Matt Lloyd, I started to investigate more about his company, MOBE and try to find out what others have to say. In the process, I stumbled upon Wealthy Affiliate, which now happens to be a place I could call home. Ironically, I should thank Matt Lloyd for indirectly leading me to this pleasant affiliate training platform called Wealthy Affiliate.

Wealthy Affiliate is unique and none of the online training courses I have taken compare to the helpful community there, not least MOBE. At Wealthy Affiliate one can even get started for free and be a free member for as long as you wish. You can even browse through the platform and find out if the courses really fit you or not. Later, if you decided to upgrade as a paid member you can run your own niche business with less than $1.- per day. 

Wealthy Affiliate is uniquely honest.

If you disagree with me or if you have any good or bad experiences with MOBE, please feel free to share your honest opinions in the comment box below. I would also love to answer any question from you.

Kho Lian Kipp


  1. Thanks for bringing to light the experience you had with this MOBE company. It’s a shame that people still try to take advantage of others who are just trying to earn extra income and improve their lives in some way shape or form. Thanks again for your review; now I know to stay away from these guys.

    • Thanks for stopping by. Yes, you should avoid MOBE, especially if you are a beginner. It’s a pity some big name gurus are involved with them and reaping good fortunes buying and promoting the same BS, which actually could be obtained free of charge on the Internet.

  2. Hi Kipps,
    thanks for a great review of MOBE! You saved me a headache and lots of money if I would stumble upon this scam business and wouldn’t have known. I mean having that many upsells are completely scamming people out of their money. I can’t believe that they had the nerve to charge you double as well. I’m happy to hear you finally got your money back. A company that “hides behind the curtains” and that you hardly can get hold of, is not legitimate. I’m happy you got out of it in time and discovered Wealthy Affiliate instead. Again, thanks for the thorough review and the warning.
    All the success to you!

    • Hello Stina,
      I am glad you find my review of MOBE useful. I hope anyone reading it would shy away from them. What frustrated me most is my stupidity even when I have been scammed before. I would rather blame myself for this. These people are getting greedy and cleverer. They know the human psychology and how best to trigger our emotion. Yes, they are also coward – “hides behind the curtains” as you said. Not only that Matt has three addresses – Australia, Malaysia, and Costa Rica. That already smells fishy. I am now extremely happy to have found a home at Wealthy Affiliate.

      Wish you all success,

  3. Heck, I feel for you trudging your way through this MOBE program.
    It just sounds so familiar to the bucket full of scams littering the likes of Facebook. I see them daily and it’s one after the other all promising fortunes that will never materialise. In other words you have been told a pack of lies and there’s no law to stop them. It can only be described as legalised theft in my view.
    Then there’s all the upsells that run into thousands. Yep, they never tell you about all this before you start, then it’s presented to you once you’ve joined.
    I understand what you have gone through here as I nearly got caught up with a similar scam before turning direction into a legitimate affiliate marketing role.
    It won’t surprise me if they change their name again shortly. It seems to be a similar pattern with these fraudsters.
    Hope all is going well now, sorry for what you’ve been through,

    • Dear Simon,
      Thanks for visiting my site and your sympathy towards my unfortunate experience with MOBE. Your description of such fraudulent acts as “legalized theft” is so true. I am really worried how many seniors of my age and disabled like me are made to waste their hard earned money in such a way. With so many newbies out there ready to jump on the bandwagon of GRQ schemes, there seems to be no easy way to stop these blood suckers.I hope a kind of technology will be developed soon to control these scammers. One big lesson I have learned from this experience is not to trust any online business program promising easy and quick money.

      Thanks for sharing your thoughts, Simon.


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