Two separate programmes
Founding Community recognition records pre-launch community contribution and badges. It does not promise cash, equity, ownership or preferential financial treatment.
Customer Refer & Earn is the live programme for customers who share a ChatPay customer referral code. Attribution is first-touch: a later code cannot replace the first valid referrer.
Live Refer & Earn schedule
| Status | Share of earnings | Minimum | Per-transaction cap | Initial period | Reward use |
|---|---|---|---|---|---|
| Everyday | Up to 15% | ₦10 | ₦500 | 60 days | Spend balance |
| Bronze | Up to 15% | ₦10 | ₦500 | 3 months | Spend balance |
| Silver / Market Agent | Up to 15–18% | ₦15 | ₦500 | 6 months, extendable | 50% cash / 50% spend |
| Gold | Up to 20% | ₦20 | ₦500 | 1 year, extendable | Cash-out eligible |
Business and strategic partner arrangements may use a separately approved written schedule, up to the programme ceiling stated in that agreement. “Up to” means the applicable percentage can be lower where the qualifying transaction produces less eligible earnings.
Milestones and pools
- Everyday customers may receive bonus milestones when a referred customer reaches their third, fifth and tenth qualifying transaction. Any amount is governed by the active offer shown by ChatPay and is subject to validation.
- A monthly Top Referrer Pool may allocate ₦150,000 among the top 50 eligible referrers under the published campaign rules.
- Renewals, extensions and performance rates require the activity and quality conditions for the customer's status.
Founding Community recognition
- Gold / Founding Member Circle: 100 or more verified referrals, limited to the top 25 qualifying members.
- Silver / Associate Member: 60–99 verified referrals, subject to 250 available places.
- Bronze / Community Member: 20–59 verified referrals, subject to 2,200 available places.
- Fewer than 20 verified referrals remains Community status.
A badge is recognition only. Founding waitlist referrals and live customer referrals remain separate records and are not silently combined.
Eligibility and abuse prevention
- A referred customer must be genuinely new, complete the required verification and use the valid referral route.
- Only qualifying, settled transactions count. Self-referral, fake identities, recycled accounts, collusion and artificial activity are prohibited.
- ChatPay may hold a reward during review, reject ineligible activity, recover a wrongly credited reward or suspend referral access.
- Changes to rates, qualifying transactions or campaign availability apply prospectively and will be communicated through an appropriate ChatPay channel.
Contact us
Questions, privacy requests and complaints can be sent to hello@chatpayhq.com.
CP Technology Limited (ChatPay), 374 Ikorodu Road, Maryland, Lagos, Nigeria.