RiskPay Affiliate Program Terms & Conditions

Effective Date: May 21, 2026

These Terms and Conditions (“Terms”) constitute a legally binding agreement between RiskPay (referred to as “RiskPay,” “we,” “us,” or “our”) and you (the “Affiliate,” “you,” or “your”) regarding your participation in the RiskPay Affiliate Program (the “Program”).

By applying to, enrolling in, or participating in the Program, you agree to be bound by these Terms in their entirety. If you do not agree, you must not participate in the Program. We may update these Terms at any time; continued participation constitutes acceptance of the revised Terms. We will notify you of material changes via email or your affiliate dashboard.

1. Program Overview and Eligibility

The Program allows eligible individuals or entities to refer merchants to RiskPay’s payment processing services and earn commissions on qualifying transactions, plus commissions from sub-affiliates.

Eligibility: You must be at least 18 years old (or the age of majority in your jurisdiction), have legal capacity to enter contracts, and comply with all applicable laws. We reserve the right to approve or reject any application at our sole discretion, without obligation to provide reasons. We may require additional verification (e.g., identity or tax information) at any time. No KYC is required for basic participation, but we may impose it for compliance or fraud prevention.

Corporations, partnerships, or other entities may participate if duly authorized. You represent that your participation does not violate any agreements, laws, or regulations applicable to you.

2. Enrollment and Affiliate Obligations

  • You must create an account via our designated process and provide accurate, complete information.
  • Upon approval, you will receive a unique referral link, tracking code, or other promotional materials.
  • You are solely responsible for your marketing activities, content, websites, and compliance with all laws (including advertising, data protection, anti-spam, and consumer protection laws).
  • You must prominently disclose your affiliate relationship (e.g., “#ad” or “affiliate link”) in all promotions, per FTC guidelines or equivalent in your jurisdiction.

Prohibited Activities (non-exhaustive list; violation may result in immediate termination and forfeiture of commissions):

  • Using spam, unsolicited emails, SMS, or any form of deceptive, fraudulent, or illegal marketing (e.g., phishing, malware distribution).
  • Bidding on RiskPay trademarks, brand names, or variations in paid search (PPC) without prior written approval.
  • Making false, misleading, or disparaging claims about RiskPay, its services, or competitors.
  • Promoting on websites containing illegal content, adult material (unless pre-approved for high-risk context), or that infringe third-party rights.
  • Using automated systems, bots, or artificial traffic to generate referrals.
  • Registering multiple accounts or referring yourself/your own businesses without disclosure.
  • Engaging in any activity that could harm RiskPay’s reputation, brand, or operations.
  • Violating anti-money laundering (AML), sanctions, or payment regulations.

You must maintain accurate records and provide them upon request. You grant us a non-exclusive, royalty-free license to use your name, logo, and testimonials for Program promotion.

3. Commission Structure and Tracking

  • Direct Referrals: You earn a lifetime revenue share (starting from 6%, subject to tiers based on volume or as specified in your dashboard) on qualifying gross transaction volumes processed by referred merchants through RiskPay, minus refunds, chargebacks, fees, and adjustments.
  • Sub-Affiliates (Downline): You earn 50% of the commissions earned by affiliates you directly refer, extending unlimited depth as per the Program structure.
  • Commissions are calculated on net amounts actually collected and processed. We use our tracking system exclusively; no other methods are accepted.
  • Payouts occur daily or instantly in USDC to your designated Polygon wallet, subject to minimum thresholds (if any) and verification. No rolling reserves apply unless required for compliance.

We may adjust commission rates with notice. You are responsible for all taxes on commissions. We may withhold payments for investigation of fraud, disputes, or non-compliance.

4. Payments, Reporting, and Disputes

  • Access your dashboard for real-time tracking and reports (subject to accuracy).
  • Payments are final once paid, except for adjustments due to refunds, chargebacks, or errors (which we may claw back).
  • If a referred merchant’s account is terminated or suspended, commissions cease for future activity.
  • You have 30 days to dispute any commission calculation; after that, it is deemed accepted.

5. Intellectual Property and Brand Usage

We grant you a limited, non-exclusive, non-transferable, revocable license to use our approved logos, banners, and materials solely for promoting the Program during your active participation. You may not modify them or create derivative works without approval.

All RiskPay IP remains our exclusive property. You must not register domain names, social handles, or trademarks confusingly similar to ours. Any goodwill from your use inures to RiskPay.

6. Confidentiality and Data Protection

You must keep confidential any non-public information (e.g., merchant data, commission details, strategies) and use it only for Program purposes. You agree to comply with applicable data privacy laws (e.g., GDPR, CCPA) and act as an independent data controller where relevant. We may share necessary data for tracking and payouts.

7. Termination

  • By You: You may terminate with 30 days’ written notice.
  • By Us: We may terminate immediately for breach, or without cause with notice. Upon termination:
    • Your license ends.
    • You stop all promotions.
    • You forfeit unpaid commissions from fraudulent or non-compliant activity.
    • Lifetime commissions may continue on pre-termination referrals at our discretion, but we may cap or terminate them for cause.

Sections on IP, confidentiality, indemnification, limitation of liability, and governing law survive termination.

7.1 Inactivity Policy

An Affiliate account will be deemed inactive or dormant if, for a continuous period of six (6) months or more:

  • You have not logged into your affiliate dashboard; and/or
  • No new referred merchants have been successfully onboarded and generated qualifying transaction volume through your unique referral link(s).

We reserve the right, in our sole discretion, to:

  1. Classify your account as dormant.
  2. Suspend or terminate your participation in the Program with or without prior notice.
  3. Forfeit any unpaid commissions below the minimum payout threshold accumulated during the inactivity period.
  4. Pause or terminate payment of lifetime commissions (or revenue share) on existing referred merchants until you resume qualifying activity (e.g., by generating at least one new approved referral within a specified reactivation window).

Before final termination or forfeiture, we may (but are not obligated to) send a notice to your registered email address providing at least fourteen (14) days to reactivate the account. Reactivation requires generating at least one new qualifying referral that results in an approved merchant account, or such other activity as we may reasonably require.

Upon reactivation, future commissions on both new and existing referrals may resume, subject to these Terms. Any commissions earned prior to dormancy but not yet paid remain subject to normal verification, clawback, and chargeback rules.

This policy is designed to encourage active promotion of the Program and ensure that only engaged affiliates continue to benefit from lifetime revenue share.

8. Representations and Warranties

You warrant that:

  • All information provided is true and accurate.
  • Your activities comply with all laws.
  • You will not engage in prohibited conduct.
  • You have all necessary rights for your marketing content.

We make no warranties about the Program, services, or earnings potential (results vary; past performance is not indicative).

9. Indemnification

You agree to indemnify, defend, and hold harmless RiskPay, its officers, directors, employees, agents, and affiliates from any claims, damages, losses, liabilities, costs, and expenses (including attorneys’ fees) arising from:

  • Your participation in the Program.
  • Your marketing activities or content.
  • Breach of these Terms or applicable laws.
  • Any claim by a referred merchant or third party related to your actions.

10. Limitation of Liability

To the maximum extent permitted by law, RiskPay shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or lost profits, even if advised of the possibility. Our total liability shall not exceed the commissions paid to you in the 12 months preceding the claim.

13. Miscellaneous

  • These Terms constitute the entire agreement.
  • If any provision is invalid, the remainder remains enforceable.
  • No waiver unless in writing.
  • You may not assign these Terms without consent; we may assign freely.
  • Force majeure events excuse performance.
  • Notices are sent to your registered email or dashboard.

By participating, you acknowledge that you have read, understood, and agree to these Terms.

For questions, contact us via the details on riskpay.biz.