Marcel Fernandes’ Chat Money System Review – 3 Challenges Digital Marketing Brokers Face + An Alternative

What Are the Pros and Cons of Chat Money System?

January 29, 2025

Im getting $400 per month after 20 days into it

Jose

January 17, 2025

They are selling a lie. I purchased the “The Accelerator Program” and I did everything they told me to. I was told in the beginning by their team, and I quote, “You also get a 90-day guarantee if you follow our advice and don’t make money. You can take 100% of it back.”. But it’s not true because when I requested the refund, they told me I had to book AT LEAST 20 sales calls. But the thing is, they asked me to tell the clients they didn’t need to pay anything to go into the program and it turns out that they actually need to pay an upfront fee to get in. So basically they asked me to lie to the clients! How am I suppose to be successfull with 20 calls, if I can’t even schedule one because all the clients get upset once they understand we were lying to them?

Do not purchase this program. It is really dishonest.

Luís A

December 1, 2024

Yes

Sadiaislam78

November 5, 2024

I started this course and the main “Text to money secrets” was a pretty good investment in my opinion, but then I decided to invest more into “The Accelerator Program” after, but after 30 days I can confidently say that I am not satisfied my the result. I was going to get a refund but the policy says that I need to book at LEAST 20 sales calls and I haven’t even gotten to do one after a month even if I tried different ways of reaching out on Instagram and Facebook + a bit of E-mail. Over all I am now broke and feel like there are many other ways to earn money that would feel easier to me.

Mark

September 18, 2024

I purchased Marcel’s program about 30 days ago. He lies when he tells you you can return your investment within a week.

I am not impressed with his program AT ALL! I’m going to ask for a refund. Did someone in the above thread say they invested nothing?

I was charged over $1000. I don’t feel the money was worth what I got, which is nothing but a bunch of videos.

I paid for the weekly support and never once checked up to see if I needed any help. In the meantime, I came across another program called DEAL.Ai, in which I invested $160 for the first part. I’m way more impressed with this platform than Marcel. DEAL.Ai’s platform puts Marcel to SHAME.

Today, DEAL.Ai called to see if I had any questions and if I could navigate their site.

I ended up on the phone for 45 min. And because we didn’t cover everything I had questions on, he rebooked with me again for tomorrow. If you’re looking for a REAL Marketing Coach, definitely check out DEAL.Ai

Stefanie V

2.5

2.5 out of 5 stars (based on 14 reviews)

Your review

Your overall rating Select a Rating5 Stars4 Stars3 Stars2 Stars1 Star

Your review

Your name

Your email

This review is based on my own experience and is my genuine opinion.

​

Submit Review

What Are the 3 Challenges Digital Marketing Brokers Face?

1. Little control. When brokering digital marketing services, you have little control over what type of results your clients are going to get. This is because you outsourced all the work to a freelancer on UpWork or Freelancer.com. If your client isn’t happy with something, you can’t immediately make changes because your freelancer is doing all the work. Hope they respond quickly so you can resolve your clients’ problem should any come up. If the business decides they don’t want to work with you anymore and the freelancer already did the work, then you’re stuck with having to pay them anyway and you lose money. Not having control can be your downfall as a digital marketing broker.
2. Requires a lot of trust. Though many business owners understand the importance of social media in business, there are still those who will simply not trust you. Some business owners prefer not to be sold on anything or make any business decisions on social media. Especially by someone who they just met and who hasn’t established themselves as a legitimate brand. They may just want to use social media to showcase their work. Selling digital marketing services on Instagram is difficult unless you create an excellent sales funnel and video sales letter you can put into an ad.
3. Instagram may limit your new account. Instagram may limit your new account in the first month and may not let you send over 50 DMs in one day. This is because Instagram wants to keep fake accounts away and many marketers use bots for their cold outreach. If you’re going to broker digital marketing services, you may have to take it easy for the first month, or so before you send hundreds of direct messages per day, which is ideal if you’re going to sell digital services. Your actions on social media need to be natural if you want Instagram to leave your account alone.

What Do You Learn in the Chat Money System?

In the Chat Money System, you learn how to:

• Pick a niche and optimize your Instagram profile.
• Build target lists and send cold DMs using copy-paste scripts.
• Follow up, handle objections, and close deals.
• Outsource fulfillment to freelancers and manage delivery.
• Use basic cold email and simple post-sale/client management.
• (Optional) Promote Marcel’s offer as an affiliate.

Here are all the modules included in Chat Money System:

• Module 1. In the first module of this course, Marcel welcomes you to The Chat Money System and helps you set your expectations.

• Module 2. Module two is where Marcel talks about the mindset you need to have when starting this business and shares his best practices for getting the most out of his course.
• Module 3. In this module, Marcel helps you pick the niche you’re going to get into and promote through Instagram messages.
• Module 4. Marcel shows you how to increase your status on Instagram by optimizing your Instagram profile.
• Module 5. In module 5, you learn exactly how to send Instagram messages to potential customers.
• Module 6. In this module, Marcel shares his proven scripts you can copy and paste as you reach out to business owners.
• Module 7. Marcel offers you the opportunity to partner with him by promoting his course as an affiliate. He explains all the details in this section, and the offer you’ll promote. He also provides you with several offer examples you can copy.
• Module 8. In module 8, you learn how to draw interest from your potential customers, how to grow their desire to work with you and how to set up cold emails and direct messages.
• Module 9. There is only one video in module 9 that goes over how to follow-up with potential customers.
• Module 10. This module is titled “Rest Day”. In business, you will always need a rest or not.
• Module 11. Module 11 is all about how to handle objections and turn leads into money. Marcel shares with you his sales script.
• Module 12. Marcel teaches you what to do after you’ve closed a deal.
• Module 13. In the last module, Marcel emphasizes the importance of winning. You learn how to continue making deals and not lose the momentum after closing your first deal.
• Bonus Module: Instant Profits. In the bonus module in this course, Marcel shares 3 ways to make money fast. These are infinite list (reaching out to the contacts in your phone and ask for a referral), garage sale, and flipping (go to Facebook marketplace, get free products and sell them back on the FB marketplace)

Is Chat Money System Legit?

Chat Money System is not legit in the practical sense. While it may not be an outright scam and may teach you about digital marketing brokerage, it lacks transparency, credibility, and proof. The creator, Marcel Fernandes, has no verifiable background, and the system itself relies on vague claims about making money with AI and chat prompts. There’s no clear explanation of the method, no real success stories, and most buyers report being funneled into multiple upsells. If you’re looking for a reliable way to earn online, this might not measure up.

That said, there are a few student success stories found on Chat Money System’s sales page. There are also a few positive reviews online. However, keep in mind that the course also has an affiliate program. People might say good things about it to earn a commission for each sale.

Are Chat Money System’s Students Successful?

Chat Money System’s students are successful, based on the sales page testimonials. Most of Marcel’s successful students come from Brazil. But on his English language sales page, these students gave their video testimonials.

One student made $1,000 in her first month of joining Marcel’s program. In her second month, she made $4,000 after implementing all of Marcel’s strategies. Now, she’s making an average of $6,000 per month in revenue with The Chat Money System. She gives Marcel and his course credit for teaching skills that allow her to make thousands of dollars each month.

Another student didn’t share his name, but he did share that he is making an average of $7,800 per month. According to him, this type of income and the course Marcel put together has allowed him to give his family a good life. This is something he says he is proud of. He is very grateful to Marcel.

Finally, another student shared that what Marcel teaches is one of the easiest methods on the market to make money. She claims to earn an average of $7,300 per month by working on her cell phone, copying and pasting messages to business owners.

Who Is Marcel Fernandes?

Marcel Fernandes is a 7-figure online entrepreneur and creator of Chat Money System from Brazil. Growing up, his family had little money to spare. When he was 20 years old, he was living in a studio apartment with less than $100 in his bank account. Many times, he didn’t have enough money to buy food because his bank account had a negative balance. These financial problems caused him to have marital problems.

After learning how to make money online, his life completely changed. In his ‘FalaMarcel1’ TikTok account, he has over 290K followers who are mostly from Brazil and he shares content about how to make money online selling digital marketing services.

On his English Instagram account, he only has over 70 followers. His biggest market is clearly in Brazil.

What Is Marcel Fernandes’ Background and Story?

Marcel Fernandes’ background and story started as an underprivileged guy who was born in a third-world country. But he didn’t let this stop him from achieving his dreams of becoming financially free. His life changed when he took the advice of Jim Rohn and Tai Lopez, particularly Jim Rohn’s “Best Life Ever” seminar, which he attended about 5 years ago.  This seminar reshaped his outlook from a “poor mindset” to becoming more optimistic and open to new business opportunities.

How Did Marcel Fernandes Become a Millionaire at 26?

Marcel Fernandes became a millionaire at 26 by having the right mindset to achieve financial success. He was skeptical at first, but slowly learned that real progress isn’t about uncovering secret strategies but about changing one’s mindset. He stopped blaming external factors for his circumstances and took personal responsibility for his life.

Marcel’s first business was dropshipping. He soon realized that there was more money in selling digital products rather than physical inventory. So he re-strategized and shifted his focus to digital course creation.

What Are Marcel Fernandes’s Tips for Young Entrepreneurs?

• Change your mindset and focus on proactive thinking.
• Choose high-potential businesses (such as course creation and digital marketing brokerage) because they are more financially rewarding.
• Start with digital marketing brokerage because he believes it is an in-demand business in the social media marketing agency realm.

However, digital marketing is a highly competitive and saturated market. According to IBIS World, there are over 74,000 digital advertising agencies in the United States alone.

What Are Alternatives to Chat Money System?

• Tai Lopez’s SMMA 9.0 / ViralPages. This is a social media marketing program with a 16-week roadmap across Facebook, Instagram, YouTube, TikTok, and Reddit. It also comes with AI tools, portfolio/case studies, and a certificate. The hook is its job-oriented structure and tie-in to ViralPages.ai for trend-driven social content.
• Mostafa Nouman’s Inner Circle. This membership includes social media marketing alongside 15 other models, supported by a Discord community. The appeal is a low monthly price for beginners, with the trade-off that SMMA lessons favor breadth over deep scaling and automation.
• Billy Willson’s 6 Figure Agency. This is a social media marketing program built around launching a Facebook ads agency. It sells a full bundle: main course, Elite coaching content, LIVE event recordings, and a deep library of scripts, templates, client systems, and ad examples. It has a private FB group. The draw is its step-by-step agency build (prospecting → closing → fulfillment) and done-for-you assets.

Is Chat Money System Worth It?

Chat Money System is not worth it because it relies on Instagram DMs. For one, you have to craft these messages based on the social media service you provide. Then, you have to keep sending these types of DMs every day. This will make it look like spam. You risk breaking Instagram’s spam policies, annoying potential clients, or looking unprofessional.

The issue with this business model is that to make 6-figures, you’ve got to be on your phone all day. You have to spend time looking for business owners in need of digital marketing services and freelancers who are going to fulfill the work in a timely manner and do a great job. Also, if your client isn’t satisfied with your work, you may get a poor reputation, which holds you back from getting more sales. There are too many aspects of this business model that are out of your control.

If you want full control and passive income, I highly recommend local lead generation. This is the digital marketing model that I run. It generates $52,000/month, and I don’t have to work on it every single day.

Why Local Lead Generation Is Better Than Digital Marketing Brokerage on Instagram?

Local lead generation is better than digital marketing brokerage on Instagram because:

• You don’t have to spam DMs.
• You have complete control.
• It’s passive income.

Local lead generation is about generating leads for local service providers using digital properties you own, control, and rent out each month. These digital properties are websites. Once it ranks for keywords like “plumbing in Los Angeles,” it gets visitors looking for that service. Since these are quality leads, you send them to a local business owner looking to take on more work each month.

The biggest problem with digital marketing brokerage is that you don’t have control over the business. Your credibility is at risk if the client underperforms. Since it is a results-driven job, income can be inconsistent and will fluctuate depending on the number of clients you successfully secure.

With local lead generation, you’re positioning yourself and your clients in a way that will attract people who are already looking for their service. There is no need to waste time creating any campaign offering a digital marketing service that may or may not generate your clients more business. Your lead generation site is already ranked, and it’s giving you consistent warm leads that keep your client’s business going. It’s an evergreen market because you don’t have to do any hard-selling. It’s also passive because these sites need very little maintenance.

In my opinion, local lead generation is the Panama Canal. You build the channel once, ships line up, and tolls flow on schedule. Meanwhile, Instagram brokering is more like handing out flyers on the Las Vegas Strip. You’re doing endless pitches, and results vanish when you rest.

Local Lead Generation Is My Top Business Model

Local lead generation is my top business model because it makes me $52,000 a month on autopilot. One of my websites, Elgin Elite Roofing, 649 Tollgate Road, Elgin, IL 60123, (847) 925-7339, elgineliteroofing.com, sends out an average of 6 quality leads to my roofing client in the area. With these leads, my client earns $54,000. I ask for a 5% cut from that, so I make $2,700. And that’s just one website. I have 50+. It only took me a few hours to build these sites, then a few weeks to rank locally.

To learn how to make money online by sending leads to local businesses instead of pitching digital marketing services, check out my local lead generation training program. I teach the business model from website creation to Google ranking, sales, and scaling. Every week, you can tune into two live coaching calls, where you learn the newest ranking and renting strategies that can take your lead generation business to the next level. There’s also access to our private Facebook community. I have over 7400 students building their digital real estate empire to earn a passive income.