A Simple Referral Program That Pays 20% — Perfect for Beginners

If you’ve ever wanted to earn recurring income in the payment processing industry — but didn’t want to jump straight into sales, pricing models, or merchant support — our 20% referral program was designed specifically for beginners.

This program is ideal for people who want to learn the system, earn hands-off recurring income, and help local businesses save money — without having to sell, close, or manage merchant accounts themselves.

Get Started — Apply Now

What Is the 20% Referral Program?

Our referral program allows you to earn 20% of the gross residual income generated by a merchant — or 4% of merchant cash advance (MCA) commission profit — just for sending a qualified business our way.

There’s:

• No selling
• No quoting rates
• No paperwork
• No onboarding responsibilities
• No merchant support

Once you refer a business, we become the merchant’s main point of contact and manage the entire relationship from start to finish.

How the Referral Process Works

1. You Refer a Local Business

You can refer businesses you already interact with every day, such as:

• Restaurants
• Auto repair and body shops
• Retail stores
• Salons and barbers
• Contractors
• Medical and professional offices

The conversation is simple and natural:

“Have you ever had your credit card processing fees reviewed?”

“Would you be open to a free audit to see if you’re overpaying?”

“Do you ever compare your rates?”

There’s no pitch — just an introduction to a free analysis.

2. You Send Us the Lead

Once the business shows interest, you submit the referral.

From that point on:

• We contact the merchant directly
• We explain everything clearly
• We handle underwriting, pricing, and setup
• We provide ongoing support

You are never put in a sales role.

3. We Perform a Free Audit & Rate Comparison

We analyze the merchant’s current credit card processing statements and provide a clear comparison report showing:

• What they’re paying now
• Where excess or hidden fees may exist
• How alternative pricing compares

There’s no obligation for the merchant — just transparency.

4. We Handle Onboarding & Long-Term Support

If the merchant decides to move forward, we complete the full boarding process, manage the account long-term, and remain the merchant’s primary point of contact. You stay completely hands-off.

What Can a Referral Partner Potentially Earn?

Referral income depends on merchant size and processing volume, but even everyday local businesses can produce meaningful recurring income.

Example Scenarios (Generalized)

• A local restaurant processing around $50,000 per month in credit card sales can generate approximately $70–$80 per month in referral income.
• A higher-volume business like an auto body shop processing $250,000 per month can generate $300+ per month from a single referral.

Because this income is residual-based:

• It’s paid monthly
• It continues as long as the merchant remains active
• It adds up quickly over time

Just a handful of successful referrals can create thousands of dollars per year in recurring income — without ongoing effort.

Apply to Become a Referral Partner

Credit Card Processing and Business Funding Opportunities

In addition to payment processing, we also help businesses with:

• Merchant cash advance (MCA)
• Working capital
• Short-term business funding

If a referred merchant needs funding, you earn 4% of the commission profit, even if they don’t change their processing. This gives you multiple ways to earn from the same referral.

Why This Program Is Ideal for Beginners

Many people are interested in merchant services but are hesitant because of industry complexity, sales pressure, and support obligations. This referral program removes all of that.

You Don’t Need:

• Sales experience
• Industry knowledge
• Scripts or presentations
• To explain pricing or equipment

You Do Need:

• The ability to identify business owners
• Willingness to make introductions
• Interest in learning at your own pace

A Natural Fit for Everyday Life

Most referrals happen organically. You’re already visiting local businesses, supporting neighborhood shops, and talking to owners and managers. You’re simply offering them a free audit that could help them save money or access funding — with no downside for them.

Learn the Industry Without Pressure

Many of our full agents started as referral partners. This program allows you to see how statements are analyzed, understand how residual income works, and build confidence without risk. When you’re ready to do more, transitioning into a full agent role is seamless.

Who This Referral Program Is For

This program is ideal for:

• Beginners exploring merchant services
• Side-hustlers looking for recurring income
• Networkers, consultants, and professionals
• Friends and family of business owners
• Anyone who prefers a hands-off approach

If you can identify businesses that might be overpaying on credit card fees or could benefit from funding, this program works.

Final Thoughts

You don’t need to be a salesperson to earn in merchant services. Our 20% referral program offers a simple, low-risk way to help local businesses, learn the industry, build recurring income, and stay completely hands-off.

You make the introduction. We handle everything else.

Get Started — Register / Contact Us