The more you grow, the better every term gets.
Refer international businesses to xPay and earn a share of the payment volume they process — every month, for years. As you climb the tiers, your rate, your caps, your payout speed, and your retention all improve together.
What this program is
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 every month for as long as the terms below allow.
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.
Who can join
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.
What counts as a qualified referral
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 $1,000 in payment volume per month.
Below $1,000/month a merchant simply doesn't accrue commission that month — nothing is lost, it resumes automatically in any month they cross the threshold again.
Your tiers — and how commission is calculated
Your rate is a percentage of the monthly volume processed by your qualified merchants. 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.
| Tier | Your volume / month | Rate | Per-merchant cap |
|---|---|---|---|
| Bronze | Up to $50,000 | 0.15% | $300 |
| Silver | $50,000 – $250,000 | 0.20% | $750 |
| Gold | $250,000 – $1,000,000 | 0.25% | $1,500 |
| Platinum | Over $1,000,000 | 0.30% | $5,000 |
The per-merchant cap limits commission from any single merchant per month — and it grows generously as you climb, so your biggest merchants earn you far more at higher tiers. Your total monthly earnings are naturally bounded by your tier's volume range (there's no separate overall cap to worry about), and at Platinum that range — and your earning potential — is unlimited.
The longer your merchants stay, the more you keep
Because acquiring a merchant is the hard part, your rate is full in Year 1 and steps down after — but higher tiers retain more. The clock runs per merchant from that merchant's go-live date.
| Tier | Year 1 | Year 2 | Year 3+ | Tier bonus |
|---|---|---|---|---|
| Bronze | 100% | 40% | 20% | — |
| Silver | 100% | 50% | 25% | $100 |
| Gold | 100% | 55% | 30% | $300 |
| Platinum | 100% | 65% | 40% | $750 |
The tier bonus is a one-time reward, paid the first time you reach each tier. Climbing earns each bonus along the way — reaching Gold, for example, pays the Silver and Gold bonuses together ($100 + $300). Each bonus is paid only once, ever: if you later drop to a lower tier and climb back, a tier you've already reached does not pay again. Any bonus you've earned is yours to keep regardless of later volume.
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 $1,000 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.
The welcome bonus is separate from tier bonuses and is paid once per affiliate, ever, on your first qualified merchant — a guaranteed first payout to get you going.
When and how you get paid
Commissions are calculated monthly and paid the following month. The minimum payout is a low $25 for everyone (waived entirely at Platinum), and your payout gets faster as you climb:
| Tier | Payout hold | Minimum payout | Support |
|---|---|---|---|
| Bronze | 30 days | $25 | Self-serve + onboarding kit |
| Silver | 21 days | $25 | Self-serve |
| Gold | 14 days | $25 | Partner manager |
| Platinum | 7 days | None | Manager + co-marketing |
The hold lets refunds and chargebacks settle before payout. Balances below the minimum roll over to the next month. You'll see clicks, sign-ups, active merchants, and earnings live on your dashboard.
Clawbacks and adjustments
Payments are real money moving, so commission follows the underlying transaction. Within a 45-day clawback window, commission is reversed if the underlying payment is refunded, charged back, reversed, or found fraudulent. If a merchant is fraudulent or violates xPay's terms, related commission can be reversed in full.
What's not allowed
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.
Edge cases, answered plainly
How exactly does a per-merchant cap work at my tier?
Is there a limit on what I can earn in a tier?
A merchant stops processing, then comes back later
Two affiliates refer the same merchant
My total volume drops into a lower tier one month
The merchant was already talking to xPay before I referred them
What happens to my earnings if I leave the program?
Changes to the program
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.