Get PayitFast App and Start Spending at Visa accepted Merchants
Scan the QR code to download the app
Published: 27 October 2026
These PayitFast Referral Leaderboard Campaign Terms (the “Campaign Terms”) govern the PayitFast referral leaderboard campaign (the “Campaign”). The Campaign is operated by Silverleaf E-Money Services Limited, doing business as PayitFast (“PayitFast”, “we”, “us” or “our”), unless another PayitFast group entity is identified as the promoter in your jurisdiction.
These Campaign Terms apply in addition to the PayitFast Master Terms, the PayitFast Affiliate Programme Terms, the PayitFast Retail Fee Schedule and any other applicable product-specific terms. By participating in the Campaign, you agree to these Campaign Terms.
The Campaign is a limited-duration promotional campaign. Participation and prizes are subject to eligibility, verification, compliance and fraud-prevention checks. A referral shown on the leaderboard is provisional until PayitFast confirms that it satisfies all qualification requirements.
Any campaign dates, prizes, referral rewards, qualification requirements and other campaign-specific details displayed in the PayitFast app, website or applicable promotional materials form part of these Campaign Terms for the relevant Campaign.
The Campaign period will be displayed in the PayitFast app, website or applicable promotional materials (the “Campaign Period”). The published Campaign Period will specify the applicable start and end dates, times and time zone. Only activity recorded by PayitFast within the published Campaign Period will qualify.
All actions required for a Qualifying Referral, as displayed for the relevant Campaign, must be completed and recorded by PayitFast during the Campaign Period, unless the applicable promotional materials expressly provide otherwise.
PayitFast’s systems and records will determine the time at which an action is completed. An action initiated before the end of the Campaign Period but completed or recorded afterwards will not qualify unless PayitFast expressly decides otherwise.
The Campaign is open only to individuals who:
Employees, officers, directors and members of the immediate household of PayitFast or its group companies may not participate unless PayitFast expressly confirms otherwise. PayitFast may exclude any person where participation or payment of a prize would be unlawful, restricted or inconsistent with legal, regulatory, sanctions, anti-money laundering, fraud, partner or operational requirements.
To participate, an eligible PayitFast customer must invite a new customer using the participant’s unique PayitFast referral link or referral code during the Campaign Period.
A referral counts as one “Qualifying Referral” only where the referred customer:
The required qualification steps may include registration, identity verification, card ordering, card activation, eligible spending or any other requirement specified for the relevant Campaign.
Each referred customer can be attributed to one participant only and can count only once. Referrals cannot be transferred, combined, reassigned or counted retrospectively where the correct referral link or referral code was not used at registration.
Participants are ranked according to the number of Qualifying Referrals confirmed by PayitFast during the Campaign Period. Each Qualifying Referral gives the participant one leaderboard referral count.
The leaderboard may display provisional information and may not update in real time. Displayed rankings, referral counts or positions are not final and may be corrected, adjusted or removed following settlement, verification, compliance or fraud review.
The final leaderboard will be determined from PayitFast’s internal records after the Campaign Period and completion of all required reviews.
Subject to these Campaign Terms, the prize amounts, prize structure, winner categories, form of payment and the number of winners will be displayed in the PayitFast app, website or applicable promotional materials and may vary between Campaigns.
Prizes may be denominated or paid in USDT, USDC, another supported digital asset, account credit or any other form specified in the applicable promotional materials. Where a prize is denominated or paid in a digital asset, its market value may fluctuate. PayitFast does not guarantee that any digital asset will maintain a particular value or remain transferable, redeemable, supported or available. Receipt and use of any digital asset prize are subject to the PayitFast Digital Asset Risk Warning and applicable product terms.
If two or more participants have the same number of confirmed Qualifying Referrals, the participant whose final Qualifying Referral needed to achieve the tied total was confirmed first in PayitFast’s records will rank higher.
If the tie cannot be resolved using that method, PayitFast may apply a fair and objectively verifiable tie-break procedure, including the earliest time at which the tied total was reached or, if still tied, a random selection conducted by PayitFast from the tied participants.
PayitFast may, from time to time, offer additional promotional prizes, bonus rewards, random prize draws or other incentives in connection with a leaderboard, referral campaign or other promotion, where permitted by applicable law.
The availability, number, value, form, eligibility requirements, entry allocation, selection date and selection methodology for any such prizes will be published in the PayitFast app, website or applicable promotional materials for the relevant Campaign.
Where a promotion includes a random prize draw or lucky-winner mechanic, eligible participants may receive one or more entries in accordance with the rules published for that promotion.
Any winner selection process will be conducted by PayitFast using a fair and objectively verifiable methodology published or described for the relevant promotion.
All potential winners remain subject to verification, eligibility, compliance, sanctions, anti-money laundering and fraud-prevention checks before any prize is confirmed or awarded.
PayitFast may withhold, suspend, cancel, substitute or reclaim a promotional prize where required by law, regulation, compliance requirements, fraud-prevention measures, operational requirements or these Campaign Terms.
The records maintained by PayitFast in relation to eligibility, winner selection and prize awards shall be final, subject to applicable law.
PayitFast may, from time to time, offer referral rewards, bonuses, incentives or other promotional benefits in connection with a referral programme, leaderboard campaign or other promotion.
The availability, value, form, eligibility requirements and payment conditions of any referral reward will be displayed in the PayitFast app, website or applicable promotional materials for the relevant promotion.
Referral rewards may be offered to:
subject to the conditions of the applicable promotion.
Unless expressly stated otherwise in the applicable promotional materials, referral rewards are non-transferable, cannot be withdrawn or redeemed for cash, and may only be used within the PayitFast app for eligible PayitFast card transactions. Referral rewards do not constitute a cash balance, deposit or other amount repayable to the customer.
A referral reward is payable only where PayitFast confirms that all applicable qualification, verification, KYC, compliance, fraud-prevention and other eligibility requirements have been satisfied.
The display of a pending, estimated or provisional reward does not make that reward earned, vested, unconditional or payable.
No referral reward is payable in respect of incomplete, duplicate, pre-existing, self-referred, fraudulent, artificial, cancelled, restricted or otherwise ineligible accounts, referrals or transactions.
Referral rewards are promotional benefits only and do not create any entitlement to future rewards, promotions, campaigns or ongoing referral payments.
PayitFast may withhold, suspend, adjust, reverse, recover, cancel or refuse referral rewards where required for legal, regulatory, sanctions, anti-money laundering, fraud-prevention, security, risk management or operational reasons, or where a participant breaches these Campaign Terms, the PayitFast Master Terms or any applicable programme terms or rules.
All potential winners are subject to final identity, account, referral, sanctions, anti-money laundering, fraud, tax and eligibility verification before a prize is confirmed or paid.
PayitFast may contact a potential winner using the contact details associated with the winner’s PayitFast account. A potential winner must respond and provide any information or documents reasonably requested by PayitFast within the response period stated in the applicable promotional materials or, if no period is stated, within seven days. Failure to respond, complete verification or satisfy eligibility requirements may result in disqualification and selection of the next eligible participant or an alternative lucky winner.
No participant is a confirmed winner until PayitFast has completed its reviews and expressly notified the participant that the prize has been confirmed.
Prizes and Campaign rewards will be credited to an eligible PayitFast balance or wallet within the payment period stated in the applicable promotional materials or, if no period is stated, within 30 days after PayitFast confirms the winner or recipient and all required verification has been completed, subject to successful verification, account availability, supported asset functionality and all applicable legal and compliance requirements.
PayitFast may delay, withhold, block or refuse payment where reasonably required for legal, regulatory, sanctions, anti-money laundering, fraud-prevention, tax, security, partner, technical or operational reasons. PayitFast may require additional KYC, source-of-funds, source-of-wealth, tax or wallet verification before payment.
Blockchain network, wallet, conversion, banking, intermediary or other third-party fees may apply after crediting or when a recipient transfers or converts a prize. Unless expressly stated otherwise, those fees are outside PayitFast’s control.
Participants must not engage in, facilitate, encourage or permit:
PayitFast may investigate any referral, account, participant, ranking, reward or prize before or after the Campaign ends or a payment is made. PayitFast may request information or documents and may place referral counts, rankings, rewards or prizes on hold while a review is pending.
Where PayitFast reasonably believes that fraud, abuse, manipulation, self-referral, duplicate accounts, artificial activity, misleading marketing, sanctions concerns, anti-money laundering concerns, breach of these Campaign Terms or an error has occurred, PayitFast may:
PayitFast may recover an overpaid or improperly obtained reward or prize by deduction from an available PayitFast balance where permitted, set-off against another amount payable, reversal where possible or repayment on demand. These rights survive the end of the Campaign and account closure.
Participants are responsible for ensuring that all referral, marketing and promotional activity complies with applicable laws, regulations, platform rules and the PayitFast Affiliate Programme Terms, including rules concerning financial promotions, digital assets, advertising disclosures, consumer protection, privacy and electronic communications.
Participants must not promise approval, guaranteed rewards, investment returns, profits or availability of any PayitFast service. A participant must clearly disclose any commercial or referral benefit where required by applicable law.
PayitFast may amend, suspend, extend, shorten, cancel or terminate the Campaign or any part of it where reasonably required because of legal or regulatory requirements, fraud or abuse, security, technical failure, third-party provider issues, force majeure, material error or other circumstances that prevent the Campaign from operating fairly or as intended.
Where reasonably possible, PayitFast will communicate a material change through the Campaign page, the PayitFast platform or another appropriate channel. PayitFast will not apply a material adverse change retrospectively unless reasonably necessary for legal, regulatory, fraud-prevention, security or operational reasons. Changes will not affect mandatory rights under applicable law.
PayitFast may correct obvious typographical, technical, calculation, ranking or display errors at any time. A displayed ranking, reward or prize does not create an entitlement where it results from an error or ineligible activity.
Participants and winners are solely responsible for determining, reporting and paying any tax, duty, levy, withholding or other charge arising from participation, referral rewards or prizes. PayitFast may request tax information and may deduct, withhold or report amounts where required by applicable law. PayitFast does not provide tax advice.
Prizes and rewards are personal to the eligible recipient and may not be assigned, transferred, sold, exchanged or combined with another person’s entitlement. No cash alternative is available unless PayitFast expressly offers one in the applicable promotional materials or applicable law requires otherwise. If the stated digital asset or other prize cannot lawfully or operationally be provided, PayitFast may provide an equivalent alternative of reasonably comparable value, subject to applicable law.
PayitFast will process personal information in accordance with its Privacy Policy and applicable law for Campaign administration, verification, fraud prevention, winner selection, prize payment and regulatory compliance.
Where permitted by applicable law, PayitFast may publish or display an abbreviated username, account handle, country, ranking, referral count or winner status on the leaderboard or Campaign page. PayitFast will not publish a winner’s full legal name or other identifying information without consent unless required by law.
Where consent is required for promotional publicity, participation in the Campaign will not by itself constitute consent, and PayitFast will request that consent separately.
To the maximum extent permitted by law, PayitFast is not responsible for referral attribution failures, delayed leaderboard updates, interrupted access, network or platform failure, incorrect third-party information, lost or delayed communications, changes in the market value of a digital asset, or failure to participate caused by matters outside PayitFast’s reasonable control.
Nothing in these Campaign Terms excludes or limits liability that cannot lawfully be excluded or limited. Any limitation of liability in the PayitFast Master Terms applies to the Campaign to the extent permitted by applicable law.
These Campaign Terms are promotional terms under the PayitFast Master Terms and must be read together with the PayitFast Affiliate Programme Terms, the PayitFast Digital Asset Risk Warning, the PayitFast Retail Fee Schedule the Campaign details displayed in the PayitFast app, website or applicable promotional materials and any applicable product terms.
If there is an inconsistency concerning this Campaign, the applicable promotional materials will determine the Campaign Period, available prizes, number of winners, referral reward amounts and other expressly stated commercial details, while these Campaign Terms will govern general eligibility, administration, verification, participant conduct, winner selection and prize-award requirements. Mandatory applicable law prevails to the extent it cannot lawfully be excluded or varied.
These Campaign 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 the Campaign, unless mandatory applicable law requires otherwise.
PayitFast’s records concerning participation, referral attribution, timing, qualification, rankings and payments will be conclusive in the absence of manifest error, subject to applicable law.
If any provision of these Campaign Terms 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 are cumulative.
Cookies
We use essential cookies to run this site. With your consent we also use Google Analytics to understand how it is used. You can change your choice at any time from Cookie Settings in the footer, or read our Privacy Policy.
