Referral System

Earn rewards by referring other merchants to MakaPay. Our two-level referral system rewards both direct referrals and their upline.

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How It Works

Two-Level Earnings

┌─────────────────┐
│   You (Upline)  │  ← Earn 10% from Level 2
│                 │
│  Referred User A│
└────────┬────────┘
         │
         ▼
┌─────────────────┐
│    User A       │  ← Earn 20% from Level 1
│  (Your Referral)│
│                 │
│  Referred User B│
└────────┬────────┘
         │
         ▼
┌─────────────────┐
│    User B       │
│ (A's Referral)  │
│                 │
│  Makes payment  │ ──→ Platform Fee: $10.00
└─────────────────┘
         │
         ├──→ User A (Direct): 20% = $2.00
         └──→ You (Upline):    10% = $1.00

Earnings Distribution

Level	Relationship	Percentage
Level 1	Direct referral	20% of platform fee
Level 2	Upline (referrer's referrer)	10% of platform fee
-	MakaPay (if no upline)	10% retained

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Example Scenarios

Scenario 1: Full Chain (Both Levels)

Alice → refers → Bob → refers → Charlie

Charlie makes a $1,000 payment (Free plan, 1% fee = $10)

Distribution:
├── Bob (Level 1 - Direct):   $10 × 20% = $2.00
├── Alice (Level 2 - Upline): $10 × 10% = $1.00
└── MakaPay:                  $10 × 70% = $7.00

Scenario 2: No Upline

Bob → refers → Charlie (Bob has no referrer)

Charlie makes a $1,000 payment (Free plan, 1% fee = $10)

Distribution:
├── Bob (Level 1 - Direct):   $10 × 20% = $2.00
├── MakaPay (No upline):      $10 × 80% = $8.00

Scenario 3: No Referrer

Charlie has no referrer

Charlie makes a $1,000 payment (Free plan, 1% fee = $10)

Distribution:
└── MakaPay:                  $10 × 100% = $10.00

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Getting Started

1. Generate Your Referral Code

1. Go to Dashboard → Referrals

2. Click Generate Referral Code

3. Your unique 8-character code is created (e.g., ABC12345)

2. Share Your Code

Share your referral code or link:

• Direct code: ABC12345

• Referral link: https://app.makapay.io/signup?ref=ABC12345

3. Build Your Network

• You earn 20% when your direct referrals make payments

• You earn 10% when your referrals' referrals make payments

• Maximum depth: 2 levels

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Earnings by Plan Tier

Level 1 (Direct Referral - 20%)

Referral's Plan	Platform Fee	Your Earning per $1,000
Free (1%)	$10.00	$2.00
Starter (0.75%)	$7.50	$1.50
Business (0.5%)	$5.00	$1.00
Enterprise (0.25%)	$2.50	$0.50

Level 2 (Upline - 10%)

Referral's Plan	Platform Fee	Your Earning per $1,000
Free (1%)	$10.00	$1.00
Starter (0.75%)	$7.50	$0.75
Business (0.5%)	$5.00	$0.50
Enterprise (0.25%)	$2.50	$0.25

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Withdrawing Earnings

Minimum Withdrawal

• $0.10 USD per token/chain combination

Withdrawal Process

1. Go to Dashboard → Referrals → Withdraw

2. Enter your wallet address

3. Click Request Withdrawal

4. Funds arrive in your wallet

Fees on Withdrawal

• Gas fees deducted from earnings

• MakaChain: $0.10 flat transfer fee

• Other chains: Variable gas cost

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Referral Dashboard

Earnings Summary

View earnings grouped by level, token, and chain:

Level	Token	Chain	Total Earned
Direct (L1)	USDT	Polygon	$25.00
Upline (L2)	USDT	Polygon	$8.50
Direct (L1)	USDC	Ethereum	$12.00

My Network

User	Level	Joined	Their Referrals	Your Earnings
user_xxx	Direct	Jan 5	3 users	$15.00
user_yyy	Direct	Jan 8	0 users	$5.00

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Rules & Limitations

Two-Level Maximum

• ✅ Level 1: Your direct referrals (20%)

• ✅ Level 2: Your referrals' referrals (10%)

• ❌ Level 3+: No earnings beyond 2 levels

One Code Per Account

• Each user can only apply ONE referral code

• Code must be applied during signup

• Cannot change referral code once applied

No Self-Referral

• Cannot use your own referral code

• System blocks self-referral attempts

MakaPay Retention

When there's no upline (Level 2), MakaPay retains the 10%:

• Your direct referral still gets 20%

• The 10% that would go to upline stays with MakaPay

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Building a Strong Network

Tips for Success

1. Refer active merchants - Focus on businesses that will process payments

2. Help your referrals succeed - When they grow, your Level 2 earnings grow

3. Encourage your referrals to refer - Build out Level 2 for passive income

Maximizing Level 2 Earnings

You
├── Referral A (20% from their payments)
│   ├── A's Referral 1 (10% from their payments)
│   ├── A's Referral 2 (10% from their payments)
│   └── A's Referral 3 (10% from their payments)
├── Referral B (20% from their payments)
│   └── B's Referral 1 (10% from their payments)
└── Referral C (20% from their payments)
    └── (No referrals yet)

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FAQ

How is this different from before?

Previously: 30% to direct referral only Now: 20% to direct + 10% to upline = 30% total distributed

Do I earn from Level 3 and beyond?

No. The system is capped at 2 levels. You only earn from:

• Your direct referrals (Level 1)

• Your referrals' direct referrals (Level 2)

What if my referral's referral has their own referrals?

You don't earn from those. Only the immediate upline (2 levels up) earns.

Can I see my Level 2 earnings separately?

Yes, the dashboard shows earnings by level:

• Level 1 (Direct): 20% earnings

• Level 2 (Upline): 10% earnings

What happens to old earnings?

Existing earnings from before this update remain unchanged. The new percentages apply to future payments only.

Why does MakaPay keep 10% when there's no upline?

This maintains consistent economics. The total referral payout is always up to 30%, but without an upline to receive the Level 2 portion, MakaPay retains it.