Is Alert Pay a scam?

In my mind anything that stinks of MLM isn't something I EVER give consideration to. Alertpay is another that was DQ'd.

I absolutely detest "referral" cr@p. Why? When something goes wrong guess who the referee comes back to haunt? Yep...the referrer. Since most referrals are family or friends, I don't want my credibility, values and integrity in question when things fall apart. These things are just as precious to me as my identity.

I'm still recovering from a lost friendship due to Melaleuca and it was something I never bought into. I just get sick of listening to the drivel of this person. Hell, you can't even say "how are you doing?" without getting an earful of Melaleuca $hit.