Last Updated: November 2026 | Commissions checked on each program’s official affiliate or partner page.

Which fintech and buy now pay later affiliate programs actually pay, and how much? The honest answer is that the biggest published rates are in crypto: Coinbase pays 50% of a referral’s trading fees for their first three months, while Binance and Kraken pay up to 50% on an ongoing basis. Money apps like Wise and Revolut pay a flat CPA per new active customer, eToro sets its CPA or revenue share by country, and the BNPL giants work differently: Klarna pays creators brand commissions through its Creator Platform, and Affirm rewards partners who refer merchants. Below are the verified terms for eight programs, plus the popular US apps that don’t publish their rates.

Key Takeaways

• Highest published rate: Binance and Kraken, up to 50% of referrals’ trading fees, with no time limit at Binance from Tier 1.

• Easiest crypto approval: Coinbase accepts anyone with a website or blog and pays 50% of fees for 3 months, in local currency.

• Flat CPA money apps: Wise pays per new customer who makes a qualifying cross-currency transfer; Revolut pays per New Active Person within a 30-day window.

• BNPL is not a classic affiliate play: Klarna pays creators commission on partner brands’ sales, and Affirm’s Partner Program pays for merchant referrals, not shopper sign-ups.

• Robinhood, SoFi and Acorns run programs on Impact but keep rates inside the network, so this page no longer quotes the old “$5–$200” and “$50–$100 per product” figures.

Fintech and BNPL Affiliate Programs Compared (2026)

Data checked Oct 2026 on each program’s own affiliate, partner or help page. Where a figure isn’t public, it’s marked “not published”.

How Fintech Affiliate Programs Pay

Fintech programs fall into three payment models. Revenue share is standard for crypto exchanges: you earn a percentage of the trading fees your referrals pay, so a few active traders can out-earn hundreds of one-off sign-ups. CPA is standard for money apps and brokers: you earn a fixed amount once a referral completes a qualifying action, such as a cross-currency transfer at Wise, an outbound card payment at Revolut, or a funded account that opens and closes a trade at eToro. Merchant or creator commissions are how BNPL companies work with partners, because Klarna and Affirm earn mainly from merchants rather than shoppers.

Most fintech programs also hold back rates until you’re approved, and many vary them by country. Before you build a page around one program, apply, check the offer in your dashboard, and re-check it every few months. If you mostly write about trading, our guides to crypto affiliate networks and forex affiliate programs go deeper on each exchange and broker.

1. Coinbase: Easiest Crypto Program to Join

Coinbase is the largest US-listed crypto exchange, and its affiliate program is open to anyone with a website or blog. Once approved, you get promotional assets and Impact tracking, and you earn 50% of each referral’s trading fees for their first three months on Coinbase.com, with no cap on referrals or earnings. Commissions are paid in your local currency by PayPal or bank transfer. Coinbase notes that terms can differ for activity in the EU/EEA under MiFID rules, so check your offer if most of your traffic is European.

• Commission: 50% of trading fees for 3 months per referral

• Network: Impact

• Payouts: PayPal or bank account, in local currency

• Eligibility: any website or blog, subject to approval

2. Binance: Highest Long-Term Crypto Commission

Binance moved to automatic, performance-based tiers in 2025. On Spot and Margin, everyone starts at 20%, and three-month evaluations lift you to 30% ($200K referral volume plus 3 new traders), 41% ($2.5M plus 10) or 50% ($30M plus 15). On Futures, the default is 10% for one year, then 30%, 40% and 50% at $1M, $25M and $500M in volume, and from Tier 1 there’s no time limit on earnings. To join the formal affiliate program, Binance asks for more than 5,000 social followers or a trading community of more than 500 members. Affiliates can also share a new-user bonus package worth up to $600.

• Commission: Spot 20% to 50%; Futures 10% to 50%

• Duration: unlimited from Tier 1; Tier 0 Futures commission lasts 1 year

• Requirements: 5,000+ social followers or a 500+ member trading community

• Evaluation: every 3 months; upgrades can happen daily, downgrades only quarterly

3. Kraken: Best Crypto Program With Fiat Payouts

Kraken says it has paid partners $65M in commissions since 2023. Top creators on its in-house program earn up to 50% revenue share on eligible volume across Kraken, Kraken Pro (spot, margin and futures) and Kraken DEX, and Kraken Prop pays 25%. There are two tracks: creators, podcasters and trading communities apply in-house and are paid in USDC, while media networks and content sites join through Impact and can be paid in fiat to a bank account. Final rates, revenue share or CPA, are negotiated per partner, and Kraken aims to reply to applications within five business days.

• Commission: up to 50% revenue share; Kraken Prop 25%

• Payouts: USDC monthly or on demand (in-house), or fiat via Impact

• Approval: reply within about 5 business days

4. eToro: Best for Investing and Trading Sites

eToro Partners offers CPA, dynamic CPA (based on the first deposit, up to a cap) or revenue share from net spread revenue, and the rate depends on the country your traffic comes from. eToro doesn’t publish the amounts; your affiliate manager offers a plan after you sign up. Read the qualifying rules closely: a CPA is only paid for a first-time depositor who opens and closes at least one position, or hits eToro’s minimum net revenue, within 90 days of depositing. Payments go out before the 15th business day of each month for the previous month’s commission, and balances below the minimum roll over until they reach it.

• Commission: CPA, dynamic CPA or revenue share, set per country

• Qualifying CPA: first deposit plus a closed position or minimum revenue within 90 days

• Payouts: monthly, before the 15th business day, verified accounts only

5. Wise: Simplest CPA for Money Transfers

Wise pays a CPA for each new customer who signs up through your link and makes a cross-currency transfer or top-up, or in some programs spends on a Wise card, of at least your program’s qualifying amount. The exact rate and qualifying amount are shown on your invite page; Wise’s original affiliate guide quoted rates starting at £10 for personal users and £50 for business customers. The conversion window is 30 days, and Wise reviews each partnership after six months, with room to raise your rate once you hit conversion milestones. Same-currency transfers, ATM withdrawals and gambling or crypto card spend don’t qualify.

• Commission: CPA per new paying customer; higher for business accounts

• Conversion window: 30 days

• Network: Partnerize, paid monthly

• Best fit: expat, travel, freelancer and cross-border business content

6. Revolut: Best for UK and European Finance Audiences

Revolut’s retail affiliate program runs on Rakuten and pays a commission for every New Active Person: someone who signs up through your link and makes at least one outbound transaction, such as a card payment, transfer, currency exchange or stock purchase, within a 30-day attribution window. Top-ups don’t count. Revolut shares the commission level when you join, pays monthly on 30-day terms, and gives every affiliate a landing page with a three-month Premium trial for new customers. There’s a separate Revolut Business program for sites with a business audience.

• Commission: CPA per New Active Person (rate given on joining)

• Attribution window: 30 days

• Network: Rakuten, plus a compliance survey before approval

• Payouts: monthly, on 30-day terms

7. Klarna Creator Platform: The BNPL Option for Creators

Klarna doesn’t pay you per Klarna sign-up. Instead, its Creator Platform lets approved creators earn affiliate commission on products from partner brands, with gifting, brand messaging and a real-time insights dashboard. Brands set their own commission rates, and all earnings arrive in one monthly invoice, with Klarna handling the admin. Klarna looks for creators who post high-quality content several times a week and have an engaged following on at least one social platform, and it replies to applications within five working days. It’s available globally except in a few sanctioned or payment-restricted markets.

• Commission: set by each brand, paid per sale

• Payouts: one monthly invoice

• Requirements: regular social content and an engaged audience

• Approval: answer within 5 working days

8. Affirm Partner Program: For Agencies That Refer Merchants

Affirm’s program is built for ecommerce platforms, agencies and merchant-service providers, not for publishers sending shoppers. Through its Partner Referral Program, you’re rewarded for introducing merchants that adopt Affirm, and partners also get co-marketing, sales resources and dedicated integration support. Affirm says its network reaches 12.7M+ shoppers. It doesn’t publish referral amounts, so this is a fit only if you build stores, run an ecommerce agency or sell software to merchants. Affirm also has to approve any custom marketing assets before you publish them.

Popular US Apps That Don’t Publish Their Rates

These programs are real and worth applying to if your audience is in the US, but their commissions live inside the affiliate network, so we don’t quote numbers we can’t verify:

• Robinhood: apply at affiliates.robinhood.com; the program runs on Impact, and if you already have an Impact account you can email Robinhood’s affiliate team for the offer.

• SoFi: SoFi’s affiliate page routes applicants to its Impact campaign, and approval needs a real website, social channel or app.

• Acorns: runs an affiliate program for publishers; check the current offer in your network dashboard.

• Chime: its affiliate promo-code offer ended on 29 September 2024, so confirm the program is open before promoting it.

We also dropped Afterpay, Sezzle, Cash App, Credit Karma, Credit Sesame, Experian, M1 Finance, Upgrade, Empower and NerdWallet from this list. None of them publishes the commission this page used to show, and several have no public program for independent publishers. For more finance offers on CPA networks, see our finance affiliate networks roundup.

How to Get Approved for Fintech Programs

1. Publish real finance content first: reviews, comparisons and how-to guides, with a clear affiliate disclosure on every page.

2. Match the program to your audience’s country. Revolut, Wise and eToro pay differently by region, and some offers are closed in some markets.

3. Read the brand-bidding and keyword rules. Revolut can reverse commissions for keyword policy violations, and most exchanges ban bidding on their brand names.

4. Avoid guaranteed-returns, guaranteed-approval or “get rich” claims. Financial brands check content and will remove affiliates who make them.

5. Expect to wait for payment: CPA programs usually confirm a qualifying action first, and eToro, Revolut and Wise all pay monthly.

FAQs

Final Verdict

If you want the highest verified rates, start with the crypto exchanges: Binance for trading communities, Kraken if you want fiat or USDC payouts, and Coinbase for beginner content that converts quickly. For a flat CPA that doesn’t depend on trading, Wise and Revolut are the cleanest fits for travel, expat and European audiences. If BNPL is your niche, the Klarna Creator Platform is the realistic way in for creators, and Affirm only makes sense if you work with merchants.