Refer merchants. Earn residuals, every month they process.
Become a Kashu Merchant Referral Partner. Bring businesses onto Kashu Pay and earn a share of the processing revenue they generate, every month, for as long as they keep processing.
Tiered net residuals · Paid monthly · Live partner portal
You refer once. You earn every month.
A referral bonus pays you a single time. A residual pays you again every month your merchant processes, so your income compounds as your portfolio grows.
Paid to your bank, monthly
$0/mo
Why partners choose Kashu.
Become an MRP
What your merchants get: Kashu Pay.
It's an easy referral because the product sells itself. Kashu Pay lets any business accept payments their way, on flat-rate pricing with no lock-in.
See Kashu Pay →
Accept payments anywhere
Online checkout, in person, and ACH or bank transfers, all in one account.
0% surcharge available
Merchants can pass processing costs on and keep more of every sale.
Flat-rate, no lock-in
Transparent pricing with no long-term contracts to trap them.
Every major card brand
Visa, Mastercard, American Express, and Discover, all supported.
The residual engine.
How your residual income is earned, paid, and multiplied.
Earn a share that scales
Your split of net residuals grows as your monthly volume does.
Paid automatically, itemized
Calculated, itemized, and deposited every month.
Automatic
Calculated for you, nothing to submit.
Every month
Paid monthly, 45 days in arrears.
Straight to your bank
Deposited to your linked account.
$500 minimum
Low threshold, and no earnings cap.
Cheyenne, Wyoming 82001
(888) 900-5056
help@kashupay.com
Checking ending in 7714
| Merchant | Gross volume | Net residual | Your 50% |
|---|---|---|---|
| Northline Studio | $182,400.00 | $1,640.00 | $820.00 |
| Cedar & Oak Co. | $96,700.00 | $870.00 | $435.00 |
| Harbor Auto LLC | $311,200.00 | $2,490.00 | $1,245.00 |
Your 50% share of each merchant's net residual, after interchange, network and sponsor bank costs. Paid by ACH direct deposit 45 days after the period closes. Figures are illustrative.
Multiply it with a team
Earn a 10% override on everything your downline produces.
10% override
On every partner you recruit.
Every month
As long as they keep processing.
Stacks on your own book
Dollar for dollar, no trade-off.
Watch every merchant, in real time.
The partner portal tracks each merchant from referral through underwriting to live and earning, with your residuals updating as they process.
| Merchant | Gross volume | Transactions |
|---|---|---|
| Ridgeline RoofingChloe Silva | $12,375.23 | 83 |
| Silverline TransportDaniel Ortiz | $11,487.64 | 82 |
| Pioneer HardwareAndre Grant | $10,163.90 | 98 |
| Terra Farms MarketMarcus Hayes | $9,675.59 | 106 |
| Northstar InsuranceMaya Patel | $8,657.32 | 60 |
| Meadowbrook VeterinaryEthan Reyes | $7,769.72 | 59 |
| Anchor Marine SupplyOmar Walsh | $7,646.78 | 61 |
| Magnolia Home StagingSofia Kim | $7,410.65 | 51 |
| Echo Digital MarketingPriya Rahman | $5,883.39 | 46 |
| Bayview Seafood GrillVictor Doyle | $5,329.54 | 56 |
| Merchant | Stage | Gross volume | Refunds | Vs prior month | Residuals | Approved |
|---|---|---|---|---|---|---|
| Ridgeline Roofing | Live92 days here | $12,375.2383 transactions | $0.00 | Up 16.8% | $23.20$203.89 to date | Jul 1, 2026Live since Jul 8, 2026 |
| Silverline Transport | Live330 days here | $11,487.6482 transactions | $217.70 | Up 1.4% | $21.54$834.11 to date | Nov 2, 2025Live since Nov 12, 2025 |
| Pioneer Hardware | Live203 days here | $10,163.9098 transactions | $0.00 | Down 8.0% | $19.06$456.81 to date | Mar 12, 2026Live since Mar 19, 2026 |
| Terra Farms Market | Live283 days here | $9,675.59106 transactions | $52.57 | Up 9.8% | $18.14$573.49 to date | Dec 23, 2025Live since Dec 29, 2025 |
| Northstar Insurance | Live361 days here | $8,657.3260 transactions | $0.00 | Flat | $16.23$652.56 to date | Oct 5, 2025Live since Oct 12, 2025 |
| Cloud Nine Massage | Setup16 days here | $0.000 transactions | $0.00 | - | $0.00$0.00 to date | Sep 22, 2026 |
| Cornerstone Accounting | Approved6 days here | $0.000 transactions | $0.00 | - | $0.00$0.00 to date | Oct 2, 2026 |
| Harmony Music School | Approved19 days here | $0.000 transactions | $0.00 | - | $0.00$0.00 to date | Sep 18, 2026 |
We check every deal against our book first, so you know straight away if the merchant is already with us.
| Merchant | Business | Step | Days on step | Referred | |
|---|---|---|---|---|---|
| Victor Rahmancontact@trailheadoutdoorgear.com | Trailhead Outdoor Gear | Setup 7 of 8 | 45 days | Jul 23, 2026 | Open file |
| Nadia Ortizcontact@starlightevents.com | Starlight Events | Setup 7 of 8 | 23 days | Aug 23, 2026 | Open file |
| Elena Haddadcontact@sapphirejewelry.com | Sapphire Jewelry | Approved 6 of 8 | 30 days | Aug 19, 2026 | Open file |
| Aisha Novakcontact@quantumitsolutions.com | Quantum IT Solutions | Underwriting 5 of 8 Waiting on documents | 22 days | Aug 30, 2026 | Open file |
| Ethan Brookscontact@atlasconstruction.com | Atlas Construction | Application 4 of 8 Waiting on documents | 7 days | Sep 17, 2026 | Open file |
| Chloe Bennettcontact@cedarpointrestaurant.com | Cedar Point Restaurant | Onboarding 3 of 8 Application not started | - | Sep 19, 2026 | Open file |
| Grace Rahmancontact@horizonlegal.com | Horizon Legal | Invited 2 of 8 Application not started | 11 days | Sep 18, 2026 | Open file |
| Maya Chencontact@blueharborcafe.com | Blue Harbor Cafe | Not invited yet 1 of 8 | 4 days | Oct 4, 2026 | Open file |
| Iris Callowayowner@junipertea.com | Juniper Tea House | Received Being processed | 0 days | Oct 8, 2026 | Open file |
| Merchant | Business | Phone | Volume | Added |
|---|---|---|---|---|
| Victor Doylecontact@bayviewseafoodgrill.com | Bayview Seafood Grill | (512) 555-0151 | $17,776.00 | Aug 5, 2026 |
| Nadia Fostercontact@urbanthreadstailor.com | Urban Threads Tailor | (415) 555-0150 | $6,282.70 | Jul 17, 2026 |
| Ethan Reyescontact@meadowbrookveterinary.com | Meadowbrook Veterinary | (305) 555-0149 | $29,602.46 | Jun 22, 2026 |
| Chloe Silvacontact@ridgelineroofing.com | Ridgeline Roofing | (212) 555-0148 | $43,258.17 | May 30, 2026 |
| Omar Walshcontact@anchormarinesupply.com | Anchor Marine Supply | (919) 555-0147 | $29,036.33 | May 9, 2026 |
| Grace Chencontact@fireflyphotography.com | Firefly Photography | (813) 555-0146 | $10,794.92 | Apr 15, 2026 |
| Luis Haddadcontact@crystalclearpoolservice.com | Crystal Clear Pool Service | (702) 555-0145 | $18,800.46 | Mar 24, 2026 |
| Hannah Novakcontact@royalbarbershop.com | Royal Barbershop | (602) 555-0144 | $11,488.86 | Mar 1, 2026 |
| Partner | Status | Tier | Merchants | Deal volume | Your 10% |
|---|---|---|---|---|---|
| Castillo Payments GroupNina Castillo | Active | 50% | 53 live | $27,122.00 | $5.09 |
| Blake Merchant ServicesJordan Blake | Active | 25% | 42 live | $10,459.00 | $0.98 |
| Summit Ridge AdvisorsPriya Nair | Active | Custom 35% | 32 live | $6,715.00 | $0.88 |
| Mehta AdvisoryDev Mehta | Invited | - | - | $0.00 | $0.00 |
| Statement | Issued | |
|---|---|---|
| July 2026 | Sep 15, 2026 | Download |
| June 2026 | Aug 15, 2026 | Download |
| May 2026 | Jul 15, 2026 | Download |
Send your merchant referral link to business owners you'd like to refer to Kashu's payment platform.
They click your link and complete the merchant application. It is tied to your account automatically.
Follow their progress on the Lead progression page and earn commissions from their processing volume once they go live.
Share your partner application link with people interested in building a referral business with Kashu.
When they apply using your link, they are registered under you on your team.
You earn override commissions on the activity of every partner you bring on board.
Work with our team in a shared Slack channel: faster answers on deals, merchants and payouts. Request one and we'll set it up for you.
Request a channelHi there,
I'm Alex Rivera, a referral partner with Kashu, a payment processing company that helps businesses like yours reduce fees and get approved faster.
If you're currently accepting card payments (or want to start), Kashu offers:
- Competitive processing rates
- Fast approval (as quick as 48 hours)
- No long-term contracts
- Dedicated support
Open the chat bubble in the bottom right corner to message our team directly. During business hours we usually reply within minutes.
Book a time with your account executive to talk strategy, get onboarding help or sort out an issue.
Your own team, or an outside agent who should see only the merchants you choose. Open anyone to add or remove merchants.
| Person | Sees | Status | Invited |
|---|---|---|---|
| Casey Leecasey@riveracapital.com | All merchantsSees earnings, submits deals, invites partners | Active | Aug 5, 2026 |
| Sam Ortizsam@northfieldagency.com | 3 merchants chosenSees numbers and KPIs, submits deals | Invite pending | Sep 29, 2026 |
From application to residuals.
Four steps, and you're earning on every merchant you bring on.
Apply to become an MRP
Tell us about yourself and your book. We review quickly and confirm your tier and split in your partner agreement.
Get your referral link & portal
Your unique merchant referral link and the partner portal go live, so every merchant you send is tracked back to you.
Refer merchants to Kashu Pay
Send businesses your link. They apply, get underwritten, and go live on Kashu Pay, all tracked in your portal.
Earn residuals every month
Once a merchant is processing, your share of the net residuals is calculated and paid to your bank each month.
Built for people who know merchants.
If you already have relationships with business owners,
you have a residual portfolio waiting to be built.
ISOs & independent sales agents
You already sell merchant services. Bring your book to a sharper rate sheet and a higher residual split.
Payments & merchant-services consultants
The businesses you advise all process cards. Refer them once and earn on every batch they run.
Bookkeepers, accountants & fractional CFOs
You see your clients' processing statements every month. Move them to Kashu and share in the savings.
Vertical SaaS & software platforms
Attach payments to your product and earn residuals on the merchants you already serve.
Business brokers & advisors
Every business you touch needs to accept payments. Attach Kashu to the deal and keep earning after close.
Anyone with a network of merchants
If you know business owners, you have a residual portfolio waiting. You make the intro, we handle the rest.
Partner questions, answered.
Everything on tiers, residuals, overrides, and how you get paid.
Still have a question? Email us →01What is a Merchant Referral Partner?+
An MRP refers businesses onto Kashu Pay and earns a share of the net residuals Kashu keeps on those merchants' processing. Unlike a one-time referral bonus, residuals pay every month a merchant stays active, so your income compounds as your portfolio grows.
02How are my residuals calculated?+
You earn your tier's percentage of the net residuals on each active merchant, after interchange, network fees, assessments, and sponsor-bank costs. Tier 2 partners earn 25%, Tier 1 partners earn 50%, and Tier 0 is custom for larger portfolios. Your exact split is confirmed in your partner agreement.
03When and how do I get paid?+
Residuals are paid monthly, 45 days in arrears, straight to your linked bank account, once you clear a $500 minimum payout. Every statement itemizes the volume and residual behind each merchant.
04Do I have to be an ISO already?+
No. Established ISOs and agents are welcome and often start at a custom tier, but anyone with merchant relationships can apply and start at Tier 2. There's no book requirement to begin.
05What is the 10% override?+
If you recruit another partner into your downline, you earn a 10% override on the residuals they produce, on top of your own. It's a way to build a team and grow your income without giving up any of what you earn directly.
06What kind of merchants qualify?+
Most businesses that accept card or ACH payments are a fit for Kashu Pay. Each merchant goes through standard underwriting when they apply, and you can track their status live in your partner portal.
Ready to build a residual book?
Apply, get your partner portal and referral links, and start earning on every merchant you bring onto Kashu Pay, every month they process.