Most referral programmes pay you once and then forget you exist. Someone signs up, a bounty lands, and your relationship with that person's value is over. Which is why those programmes attract spam: when the payout is a one-off, volume is the only lever you have.
MPay's structure has two halves. Commission on a successful card application, and commission on that person's top-ups afterwards.
The second half quietly changes everything about how you should approach it.
The arithmetic hiding in their own numbers
They have published partner figures, and the interesting one is not the headline.
The headline is $168.87 over 48 hours. The number that actually tells you something is what sits underneath it: 563 invites, of which 116 became active users.
That is roughly one in five. Four out of five people who clicked produced nothing at all, and the entire payout came from the fifth. Another published figure, $204.13 in total commissions, sits alongside it without a comparable breakdown.
So the honest read is this: your income is a function of active users, and the other 447 people were noise. They cost you effort and returned zero. If you optimise for invites you are optimising for the wrong number, and the programme's own data says so.
Who actually converts
Someone with a bill they cannot pay right now.
That is the whole profile. Not people who are interested in crypto, not people who follow fintech, not an audience you have built around a topic. Someone who is, at this moment, staring at a checkout that just refused them and looking for a way through it.
They are trying to renew a Hetzner invoice before the server gets suspended. They are trying to pay for a Claude or ChatGPT subscription that their local card keeps declining. They want a Steam top-up and the payment dropdown has nothing usable in it.
Those people convert and then keep topping up, because the underlying problem recurs every month. A broad crypto audience does not, because for most of them this solves a problem they do not currently have.
Which means the highest-value thing you can do is unglamorous: answer the specific question in the specific place it gets asked.
Why the recurring half rewards honesty
This is the part I find genuinely interesting about the structure.
With a one-off bounty, overselling works. You get paid at signup, so a disappointed user costs you nothing. The incentive points directly at exaggeration.
When you are paid on top-ups, a user who quits in week two is worth almost nothing to you. Your interests and theirs line up, possibly for the first time in affiliate marketing. Someone who understood what they were getting, had realistic expectations, and found it worked keeps funding the card. Someone you oversold to loads it once, hits something you did not warn them about, and leaves.
So tell them about the pre-authorisation thing before they hit it. Tell them the physical card is not out. Tell them some merchants refuse prepaid cards and no product fixes that. Every one of those warnings makes the signup slightly less likely and the retention considerably more likely, and retention is what you are paid on.
I would go further: the disclaimers are the product here. Anyone can post a link. Being the person who explained the catch is what makes someone come back and actually use the thing.
What is not published, and do not pretend otherwise
Commission rates are not public. Neither is the top-up percentage, the payout schedule, or whether either changes with volume.
I cannot tell you what you will earn per user and anyone who quotes you a precise figure is guessing or making it up. Those numbers live inside the app, and they are the ones to trust rather than anything on a comparison site, including this one.
What is confirmed: commission pays in USDT, and MPay describes withdrawals as clearing in seconds.
Use it before you recommend it
Obvious, routinely skipped, and completely transparent to readers when you have not.
Get the card. Fund it. Pay for something real with it. Hit a decline and work out why. You will end up knowing the two or three things that trip people up on their first day, and those specifics are the difference between a recommendation someone acts on and a link they scroll past.
The flow is short enough that this costs you an afternoon.
A note on where not to post
Do not spam. Beyond the obvious, it is strategically stupid under this particular structure, because spam produces exactly the dead signups that pay you nothing while burning the places where the real conversations happen.
And be careful about impersonation adjacent to your own promotion. MPay has warned publicly that clone sites copy their content, which means the space you are operating in is already noisy with fakes. Link to the official channels alongside your own referral, make it obvious that you are an affiliate, and you end up more credible than the people who do not, not less.
Trust is the only durable asset in this. The link is replaceable.
