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Effective Date: 10 September 2026
These PayitFast Affiliate Programme Terms (the “Affiliate Terms”) govern participation in the PayitFast affiliate programme (the “Affiliate Programme”). They form a binding agreement between the person or entity participating in the Affiliate Programme (“you”, “your” or “Affiliate”) and Silverleaf E-Money Services Limited, doing business as PayitFast (“PayitFast”, “we”, “us” or “our”), unless another PayitFast group entity is identified to you as the operator of the Affiliate Programme in your jurisdiction.
These Affiliate Terms apply in addition to the PayitFast Master Terms, the PayitFast Retail Fee Schedule, any applicable promotional terms, programme rules and other terms notified to you. By registering for, accessing or participating in the Affiliate Programme, sharing an affiliate link or code, or accepting any commission or benefit, you confirm that you have read, understood and agree to these Affiliate Terms.
The Affiliate Programme is a discretionary marketing programme. Participation is not a right and does not guarantee acceptance, continued participation, any particular tier, commission rate, payment level or income. PayitFast may accept or reject an application and may impose conditions on participation, subject to applicable law.
Digital asset, card, payment and financial-service promotions may be regulated or restricted in certain jurisdictions. You must not promote a PayitFast product or service in a jurisdiction, through a channel or to an audience where doing so would be unlawful, restricted or require an approval that has not been obtained.
You may participate in the Affiliate Programme only if you:
PayitFast may require additional eligibility conditions for particular tiers, campaigns, jurisdictions, products or payment methods. Approval for one campaign, product or jurisdiction does not constitute approval for any other campaign, product or jurisdiction.
PayitFast may provide you with a unique affiliate link, referral code, tracking method, campaign identifier or other promotional tool. You may use it only in the manner approved by PayitFast and must not alter, obscure, manipulate or interfere with its operation or tracking.
A “Qualifying Referral” is a genuine new customer who:
A referral is not qualifying merely because PayitFast’s systems initially record or display it as such. PayitFast may review the referred customer, transaction history, settlement status, marketing source, device, identity, payment method and any other relevant information before confirming qualification.
Tracking may be affected by device settings, cookies, browser restrictions, use of multiple devices, failure to use the correct link or code, technical issues, third-party platforms or other matters outside PayitFast’s control. PayitFast is not responsible for referrals that cannot reasonably be attributed to you, except to the extent required by applicable law.
Affiliate tiers, unlock requirements and commission rates are stated in the PayitFast Retail Fee Schedule, the PayitFast app, applicable programme rules or promotional terms. Unless PayitFast states otherwise, the indicative structure is:
Before publication or implementation, PayitFast may clarify or amend overlapping tier thresholds in the applicable fee schedule or programme rules. No tier is earned until PayitFast confirms it. PayitFast may upgrade, downgrade, suspend or remove a tier based on qualifying referral numbers, transaction quality, compliance, performance, programme changes or risk concerns.
A card activation commission is a one-time commission calculated in the manner stated in the applicable fee schedule or programme rules. A transaction commission is calculated only on eligible, genuine and settled card spending by a Qualifying Referral. Commissions are not payable on excluded, refunded, reversed, cancelled, disputed, charged-back, fraudulent, artificial or prohibited transactions, or on fees, cash transactions, funding transactions or other excluded categories identified by PayitFast.
Commission displayed in the PayitFast platform is pending and conditional until it has completed the applicable reserve period, passed all verification and compliance checks, and become available for withdrawal in accordance with these Affiliate Terms.
Unless PayitFast specifies a different period for a campaign, product, jurisdiction or risk category, each commission is subject to a reserve period of 60 days from the later of:
PayitFast may reduce the reserve period to not less than 30 days or extend it to up to 90 days where reasonably required to account for refund, reversal, chargeback, fraud, compliance, sanctions, anti-money laundering, partner, network, settlement or operational risk. PayitFast may extend the reserve beyond 90 days where a transaction, account or referral is subject to an unresolved chargeback, investigation, legal hold, regulatory request or compliance review, to the extent permitted by applicable law.
Commission does not become unconditional, vested or payable merely because it is shown as pending, accrued or estimated. During the reserve period, PayitFast may adjust, withhold, reverse or cancel commission if the qualification criteria are no longer met or if any exclusion, review or prohibited conduct applies.
PayitFast may provide commission information through the PayitFast platform, an affiliate dashboard, statement, report or other communication. All figures may be subject to reconciliation, settlement, rounding, currency conversion, correction and compliance review.
Payment frequency, minimum withdrawal amount, payout currency, supported payout method and any applicable fees will be stated in the PayitFast platform, programme rules or applicable promotional terms. PayitFast may change these operational arrangements from time to time in accordance with applicable law.
PayitFast may deduct or set off any amount you owe to PayitFast, including reversed commissions, overpayments, refunds, chargebacks, penalties, fees or losses arising from your breach, from pending or payable commissions or any other amount payable to you, to the extent permitted by applicable law.
Third-party blockchain network, banking, wallet, intermediary, payment provider and network fees may apply to commission payments or withdrawals. Unless expressly stated otherwise, those charges are imposed or determined by third parties and remain outside PayitFast’s control.
PayitFast may require you, your beneficial owners, authorised representatives or controllers to complete identity verification, business verification, source-of-funds, source-of-wealth, tax, address, ownership, payment-account or other due diligence before any commission is withdrawn or paid.
You must promptly provide all information and documents reasonably requested by PayitFast or its service providers and must ensure they are complete, accurate, current and not misleading. PayitFast may withhold, delay, restrict or refuse commission withdrawal or payment until verification is completed to its reasonable satisfaction.
Failure to complete verification, respond to a request, maintain accurate information or satisfy ongoing eligibility requirements may result in suspension or termination of participation and withholding or cancellation of commissions, subject to applicable law.
All commission accruals, withdrawals and payments are subject to sanctions, anti-money laundering, counter-terrorist financing, fraud, tax, payment and other compliance screening by PayitFast and its service providers.
Before paying or permitting withdrawal of a commission, PayitFast may:
PayitFast is not required to process or complete a payment where doing so may breach law, regulation, sanctions, a regulatory direction, court order, partner requirement or PayitFast risk control. PayitFast may be prohibited from explaining the reason for a delay, restriction, report or refusal.
You must not engage in, facilitate, encourage or permit:
PayitFast has an express right to withhold, reverse, recover and claw back all commissions, rewards, tier benefits and other amounts connected with any self-referral, duplicate account, referral abuse, fraudulent or artificial activity, incentive abuse, manipulation, prohibited marketing, chargeback, refund, reversal, compliance concern or breach of these Affiliate Terms, whether identified before or after payment.
Where self-referral or referral abuse is identified, PayitFast may claw back all commissions paid or credited in respect of:
If PayitFast reasonably determines that the conduct is systematic, deliberate or materially undermines the integrity of the Affiliate Programme, PayitFast may claw back all commissions paid or credited to you under the Affiliate Programme, including commissions not directly attributable to the identified abusive referral, to the extent permitted by applicable law.
PayitFast may recover a clawback by deducting it from pending or future commissions, debiting an available PayitFast balance where permitted under the PayitFast Master Terms and applicable law, setting it off against any amount payable to you, reversing a payout where possible, or requiring repayment on demand. Clawback rights survive suspension, termination and account closure.
You are solely responsible for ensuring that all affiliate, marketing, advertising, promotional and referral activities comply with applicable laws, regulations, regulatory guidance, licence conditions, platform requirements and industry standards in every jurisdiction where content is created, published, targeted, accessible or acted upon.
This includes requirements relating to financial promotions, digital assets, payment services, cards, advertising disclosures, endorsements, influencers, consumer protection, electronic communications, direct marketing, privacy, intellectual property, sanctions and competition law.
You must:
You must not provide investment, financial, legal, tax or other professional advice on behalf of PayitFast, approve customers, handle customer funds, collect customer passwords or private keys, or make any statement, promise, representation, warranty or guarantee on PayitFast’s behalf.
Subject to these Affiliate Terms, PayitFast grants you a limited, revocable, non-exclusive, non-transferable and non-sublicensable licence during your participation to use approved PayitFast names, trade marks, logos, links and marketing materials solely to promote the Affiliate Programme in accordance with PayitFast instructions.
You must not modify approved materials, create derivative branding, register any PayitFast or confusingly similar trade mark, domain name, social-media account or business name, or suggest endorsement, sponsorship or authority beyond the Affiliate Programme without PayitFast’s prior written consent.
All goodwill arising from use of PayitFast intellectual property belongs exclusively to PayitFast. Upon request or termination, you must immediately stop using and remove all PayitFast intellectual property and promotional materials.
PayitFast may monitor affiliate links, content, channels, traffic, referrals, customer activity, transaction patterns and commission claims for compliance, quality assurance, fraud prevention, risk management and programme administration.
You must maintain accurate records reasonably sufficient to demonstrate compliance with these Affiliate Terms and applicable law. On reasonable request, you must provide copies of promotional materials, placements, audience or targeting information, consents, approvals, disclosures, invoices, tax information and other relevant records.
PayitFast may suspend commissions or participation while reviewing potential non-compliance. You must cooperate fully and must not conceal, alter, destroy or falsify relevant information.
PayitFast may amend the Affiliate Programme, these Affiliate Terms, commission rates, reserve periods, payment arrangements, tiers, qualification criteria, eligible products, referral requirements, benefits, jurisdictions, campaigns or programme rules from time to time in accordance with applicable law.
Where required by applicable law, PayitFast will provide notice of a material adverse change. Changes may take effect immediately where they are favourable to you, relate to a new feature or promotion, address fraud, abuse, security or risk, reflect third-party or regulatory requirements, correct an error or do not materially prejudice your rights.
Continued participation after the effective date of an amendment constitutes acceptance of the updated Affiliate Terms. If you do not agree, you must stop participating and stop using all affiliate links, codes and materials.
PayitFast may suspend, restrict or terminate your participation, tier status, affiliate tools, commission accrual, withdrawals or payments where it reasonably considers this necessary or appropriate, including where:
PayitFast may act without prior notice where notice is not legally required, would compromise security or risk controls, would prejudice an investigation or may breach legal, regulatory, sanctions or reporting obligations.
You may terminate participation by giving notice in the manner specified by PayitFast and ceasing all affiliate activity. Termination does not create a right to pending, conditional, disputed, reserved, withheld or unvested commissions.
On termination, you must immediately stop representing yourself as a PayitFast affiliate and cease using all affiliate links, codes, materials and intellectual property. PayitFast may deactivate tracking tools and remove access to the affiliate dashboard.
Subject to verification, compliance review, the reserve period, exclusions, set-off and clawback rights, PayitFast may pay any valid commission that became unconditional before termination. Pending or conditional commission may be cancelled where the underlying criteria were not fully satisfied before termination or where review remains outstanding.
Termination does not affect any accrued right, payment obligation, clawback, set-off, indemnity, investigation, confidentiality, intellectual property right, tax obligation, governing law or dispute provision intended to survive.
You are solely responsible for determining, registering for, reporting and paying all taxes, duties, levies, social contributions, deductions, withholdings, value-added taxes, goods and services taxes or other charges arising from your participation in the Affiliate Programme or receipt of commissions or benefits.
You must provide tax forms, tax identification numbers, invoices or other documentation reasonably requested by PayitFast. PayitFast may deduct, withhold or report amounts where required by applicable law and will not gross up a payment unless expressly agreed in writing.
You should obtain independent tax advice. PayitFast does not provide tax advice and is not responsible for your tax status or obligations.
You participate in the Affiliate Programme solely as an Affiliate. Nothing in these Affiliate Terms creates any employment, worker, agency, partnership, joint venture, franchise, fiduciary, distributor, representative or other relationship between you and PayitFast.
You have no authority to bind PayitFast, accept obligations, make commitments, conclude contracts, collect funds, make representations or incur liability on PayitFast’s behalf. You are responsible for your own activities, personnel, costs, equipment, working methods, insurance and legal obligations.
The Affiliate Programme is non-exclusive. Unless PayitFast expressly agrees otherwise in writing, you may promote other businesses and PayitFast may appoint or engage any other affiliates, partners, agencies, influencers or marketing channels, including competitors of yours. You must nevertheless comply with confidentiality, intellectual property, conflict, brand and applicable-law requirements.
Nothing guarantees any minimum volume of referrals, transactions, commissions, work or duration of participation.
You must keep confidential all non-public information received through or in connection with the Affiliate Programme, including commission arrangements, unreleased product information, customer information, compliance information, security information, campaign plans, technical information and business data.
You may use confidential information only for lawful participation in the Affiliate Programme and may disclose it only to persons who need it for that purpose and are bound by equivalent confidentiality obligations, or where disclosure is required by law. These obligations survive termination.
You must comply with applicable privacy and data-protection laws and must not collect, process, disclose, sell, scrape or otherwise use customer or prospective-customer personal data except where lawfully authorised and necessary for approved affiliate activity.
You must not request or retain PayitFast passwords, passcodes, private keys, recovery information, identity documents or financial information. You must use appropriate security measures and promptly notify PayitFast of any actual or suspected data breach or unauthorised access relating to affiliate activity.
You represent and warrant that your participation, content, statements, channels, referrals, traffic and conduct comply with these Affiliate Terms and applicable law, do not infringe third-party rights and are not false, misleading, fraudulent or unauthorised.
To the maximum extent permitted by law, you will indemnify and hold harmless PayitFast, its affiliates, officers, directors, employees, agents, contractors and service providers from and against claims, losses, liabilities, damages, fines, penalties, costs and expenses arising from your breach, unlawful or misleading promotion, infringement of rights, tax obligations, fraud, negligence, wilful misconduct, data-protection breach or any third-party claim arising from your affiliate activity.
The Affiliate Programme, dashboard, tracking tools, links, materials and reports are provided on an “as is” and “as available” basis. PayitFast does not guarantee uninterrupted availability, accurate attribution of every referral, any number of referrals or transactions, any tier, any level of commission, or any profit or return.
To the maximum extent permitted by law, PayitFast will not be liable for indirect, incidental, consequential, special, exemplary or punitive damages, or for loss of profit, revenue, data, goodwill, opportunity, anticipated commission or business arising from the Affiliate Programme.
To the maximum extent permitted by law, PayitFast’s total aggregate liability arising out of or relating to the Affiliate Programme or these Affiliate Terms will not exceed the commission actually paid to you during the three months before the event giving rise to the claim, or USD 100 if greater. Nothing excludes liability that cannot lawfully be excluded.
PayitFast may provide notices, programme updates, amendments and disclosures through the PayitFast platform, affiliate dashboard, email, SMS, push notification, in-app message or any other electronic channel permitted under the PayitFast Master Terms. You must keep your contact and payout information accurate and current.
These Affiliate Terms must be read together with the PayitFast Master Terms, the PayitFast Retail Fee Schedule, applicable product terms, programme rules and promotional terms. If there is an inconsistency:
Any mandatory provision of applicable law will prevail to the extent it cannot lawfully be excluded or varied.
These Affiliate Terms are governed by the laws of the Province of Ontario and the federal laws of Canada, unless mandatory applicable law requires otherwise. The courts of the Province of Ontario, Canada will have exclusive jurisdiction over disputes arising out of or relating to these Affiliate Terms, unless mandatory applicable law requires otherwise.
You may not assign, transfer, subcontract or novate your rights or obligations under these Affiliate Terms without PayitFast’s prior written consent. PayitFast may assign, transfer, subcontract or novate its rights or obligations to an affiliate, successor, purchaser or service provider where permitted by law.
If any provision is invalid, illegal or unenforceable, it will be modified to the minimum extent necessary to make it valid and enforceable or, if modification is not possible, severed. The remaining provisions will continue in full force and effect.
A failure or delay by PayitFast to exercise a right does not waive that right. Rights and remedies under these Affiliate Terms are cumulative.
These Affiliate Terms, together with the PayitFast Master Terms, applicable programme rules, promotional terms, fee schedules and documents incorporated by reference, constitute the entire agreement between you and PayitFast concerning the Affiliate Programme.
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