If you work with merchants who keep getting declined — consultants, agencies, communities, ISOs — introduce them to us and earn a share of everything they process. You get your own referral link, a rate agreed with you, and a dashboard that shows what you are owed. It keeps paying for as long as those merchants keep processing.
How it works
- Apply below and tell us who you reach. We reply with your terms and your own referral link.
- Send merchants through that link, or give them your code to enter when they apply. Either way they are credited to you, and we handle underwriting, onboarding and support.
- Commission builds up on their net processed volume, month by month, and is paid out after the month closes — to a bank account or in crypto, the same rails our merchants settle on.
- Follow all of it in your partner dashboard: who is credited to you, what they processed, what you have earned and what we have already paid.
Who this works for
How commission works
Your rate is agreed with you rather than published, because it depends on the volume and the risk profile of the merchants you bring. Whatever we settle on, it is a percentage of net processed volume: what the merchants credited to you took in payments over the month, minus refunds. Nothing is capped, and nothing stops after the first month — the rate applies for as long as your partner agreement is active and those merchants keep processing.
Getting paid
Commission is worked out per calendar month and per currency, with no conversion in between. Once a month closes we pay out what has built up, to a bank account or to a crypto wallet — you choose which when we agree your terms, and you can change it later. A refund that lands after a month has closed comes off the following month rather than reopening a statement you have already been paid for.
Your partner dashboard
Already a partner? Sign in at utopia-payments.com/partner with the email address on your partner account. Your dashboard has your referral link ready to copy, the merchants credited to you, this month's volume, the commission still unpaid and every payout we have sent.
Questions before you apply? Write to sales@utopia-payments.com.