The xPay Affiliate Program lets you earn a commission when you refer a new business (a "merchant") to xPay and that merchant starts processing international payments through us. You earn a percentage of the payment volume your referred merchants process — paid monthly for the first 12 months of each merchant you bring.

You are an independent partner, not an employee or agent of xPay. You cannot sign contracts, set pricing, or make promises on xPay's behalf.

Individuals, agencies, developers, consultants, creators, and platforms are all welcome. You'll complete a short sign-up and identity/KYC check so we can pay you, and you must be legally able to receive payments in your country.

• You may refer merchants anywhere xPay supports international payments.
• You may not refer your own business, or any business you own, control, or are affiliated with.
• One person or entity, one affiliate account.

You earn commission only on qualified merchants. A merchant qualifies when all of these are true:

• They are new to xPay — not an existing customer and not already with our sales team.
• They signed up through your unique referral link (or were attributed to you at onboarding).
• They have completed KYC and been live for at least 30 days.
• They process at least $5,000 in payment volume per month.
• They keep their dispute (chargeback) rate below 0.9% per merchant — a merchant that exceeds this stops qualifying until it's back under the threshold.

Who we're looking for — our ideal customer

Our ideal customer (ICP) is an established international business processing more than $5,000–$10,000 per month. The program is built around these merchants — we want to entertain real, growing businesses, not smaller MSMEs below this range. Referrals that fit this profile qualify faster and earn you the most.

Your rate is a percentage of the monthly volume processed by your qualified merchants, paid for the first 12 months of each merchant (see below). Your tier is set by your total active volume across all your merchants, recalculated each month — so a strong month can lift your rate on everything.

The per-merchant cap is the most any single merchant can earn you in a month. Bronze and Silver have no per-merchant cap; from Gold up a cap applies and rises as you climb. On large enterprise merchants the cap is what keeps the program sustainable for us, which is what lets us keep paying you reliably.

Separately, there is an overall monthly maximum of $15,000 per affiliate — the most you can earn across all your merchants in any single month. Anything above this in a given month is not paid out.

How long you earn on each merchant

You earn your tier rate on each qualified merchant for 12 months from that merchant's go-live date. After 12 months, commission on that merchant concludes. The clock is tracked per merchant, so each new merchant you bring starts its own fresh 12-month earning window.

Getting started — a fast first win

We want your first reward to arrive quickly, not months later. Every new affiliate starts at Bronze with:

• A $50 welcome bonus the moment your first qualified merchant goes live — completes KYC, is active 30 days, and crosses $5,000 in monthly volume.
• A low $25 payout minimum, so your early commission actually reaches you instead of sitting below a threshold.
• A free onboarding kit — referral templates, a dashboard walkthrough, and a "your first merchant" guide to help you land quality businesses faster.

Commissions are calculated monthly and paid out on a quarterly basis. The quarterly cycle lets refunds and chargebacks settle before payout. The minimum payout is a low $25 for everyone (waived entirely at Platinum):

Balances below the minimum roll over to the next quarter. You'll see clicks, sign-ups, active merchants, and earnings live on your dashboard.

Getting set up to receive payouts

To receive a payout, you must first be onboarded on xPay as a freelancer. This requires submitting a few documents — for example, your PAN card — to complete verification. The full list and exact details are shared with you directly when you connect with the xPay team.

Commission is earned only on successful, settled payment volume. If a payment is later refunded, charged back, reversed, or found fraudulent — whenever that happens, there is no fixed time limit — the related commission is reversed. If the commission has not been paid out yet, it is simply removed from your balance. If it was already paid out, the amount is adjusted against your next payout. If a merchant is fraudulent or violates xPay's terms, related commission can be reversed in full.

A merchant whose dispute (chargeback) rate exceeds 0.9% stops qualifying, and commission tied to the disputed volume can be reversed.

These protect every honest affiliate. Breaking them can mean forfeited commission and removal:

• No self-referrals or referring businesses you're connected to.
• No fake, shell, or low-quality merchants created to farm commission or tier up.
• No spam, misleading claims, or promising things xPay doesn't offer.
• No bidding on the xPay brand name in paid ads, or impersonating xPay.
• No cookie-stuffing, forced clicks, or other attribution manipulation.

xPay may update rates, tiers, caps, or terms with at least 30 days' notice. Changes apply going forward only — commission you've already earned is always honored at the rate it was earned.