Refer merchants. Earn on every payment.

Introduce businesses to xMoney's card payments platform and earn recurring commission for as long as they keep processing card payments. One introduction, ongoing income.

Free to join · No targets · Get paid every month
Licensed E-Money Institution · PCI DSS Level 1 · Visa & Mastercard
Security & compliance

Built on regulated payments infrastructure

Licensed & regulated
A licensed Electronic Money Institution, regulated by the National Bank of Romania.
PCI DSS Level 1
Card data is handled on the highest-tier certified payment infrastructure.
Visa & Mastercard
A principal member of Visa and Mastercard, with SCA and 3D Secure 2.0.
Secure card checkout
Card payments are supported with SCA, 3D Secure 2.0, and certified payment infrastructure.
How you earn

Three steps to recurring income

No technical work and no sales scripts. Refer a merchant and we handle the rest.

01

Refer a merchant

Share your unique link or introduce a business from your network that takes online or in-store payments.

Takes 5 minutes
02

We onboard them

Our team handles the demo, setup, and go-live. You stay in the loop with a dedicated partner manager.

We do the work
03

Earn every month

Once they're onboarded and start processing, you earn commission on their activity automatically, for as long as they're with us.

Recurring payout

Every referral is tracked to you automatically. No spreadsheets, no chasing.

Earning potential

See what you could earn

Drag the sliders to estimate your recurring monthly income. Figures are illustrative. Your actual rate is agreed with you directly.

10
150+
Medium
SmallMediumLarge
Estimated monthly
€1,300
Estimated yearly
€15,600
Start earning
Illustrative estimate only. Actual commission depends on merchant activity and the terms we agree with you, and is not a guarantee of earnings.
Why partner with xMoney

Built to pay you well, for the long run

Recurring, not one-off

You earn every month a merchant processes, not just a single sign-up bounty. Income that compounds as your referrals grow.

A product that converts

A modern card payments stack merchants actually want, so more of your introductions turn into paying accounts.

Terms that fit you

We agree commission with you based on your network and volume, rewarding the value you bring rather than a fixed tier.

A real team behind you

One named partner manager for setup, questions, and growth. No ticket queues, no chasing.

Who you're partnering with

A regulated payments company, not a side project

xMoney is a licensed European payments company. Card payments run through Capital Financial Services S.A., a licensed Electronic Money Institution operating since 2013. When you introduce a merchant, you're backing a regulated card payments provider built for the long run, which is why we keep paying you for as long as they keep processing.

European payments infrastructure · Built for long-term merchant relationships
5,000+
Businesses use xMoney
Since 2013
Licensed E-Money Institution
$21.5M
Strategic funding raised
Who it's for

Is this for you?

If you know businesses that take payments, you can earn with xMoney.

Agencies & consultants
Introducers & resellers
Fintech & SaaS platforms
Ecommerce platforms
Accountants & advisors
Anyone with a merchant network

No license or technical skills required. We review every application and respond within a few business days.

Coverage

What your merchants can accept

Cards & wallets

Visa, Mastercard, Apple Pay, Google Pay, Click2Pay

Card checkout

SCA, 3D Secure 2.0, recurring and one-off payments

Markets

Merchants across Europe, in multiple currencies and local methods

Eligibility depends on the merchant's industry and market and is confirmed during onboarding and compliance review.

What merchants say

The product behind your referrals

Your introductions are backed by a platform merchants rate for reliability, including prompt payouts.

xMoney works great, it's fast and with low fees. Their dashboard is very simple and intuitive and their payouts have always been prompt.
Mihai Rad
Founder, Bullseye
xMoney's dedication to excellence and commitment to innovation have truly made a difference in our partnership. They consistently go above and beyond to ensure our success.
Keith Abela
AK Private Jets
When you're working with such innovative technology, it's important to have partners that are not only technologically strong but also share your vision of the future.
Mani Honigstein
Co-founder, Upland

Merchant testimonials sourced from xmoney.com.

FAQ

Questions, answered

The program is built for people with an existing network of businesses that accept card payments: agencies, consultants, introducers, accountants, fintech and SaaS platforms, and ecommerce platforms. If you can introduce merchants that need card payment processing, you can apply.

Apply

Become an xMoney partner

Tell us a bit about you and your network. It takes 5 minutes, and we'll get back to you within a few business days.

By submitting you agree to be contacted by our partnerships team.

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