Payment Gateway Agent Program: How to Earn Commission by Referring Merchants

5 min read ZurvaPay team
Payment Gateway Agent Program: How to Earn Commission by Referring Merchants

Plenty of businesses in Pakistan need a way to accept payments online, and they usually ask someone they trust: a developer, an agency, an accountant or a consultant. The ZurvaPay agent program lets you turn those recommendations into commission. You refer merchants with your own referral link, and when a merchant you referred withdraws funds, a commission is credited to your agent wallet.

This guide explains how to become a payment gateway agent, how the commission works, what you see in your dashboard, and how to introduce ZurvaPay in a way that earns trust.

What is a payment gateway agent?

An agent is a partner who introduces merchants to the gateway. You do not process payments and you do not need to be technical. Merchants register through your link, ZurvaPay handles their account, payments and support, and you earn commission on the merchants you referred.

Who should become an agent

  • Web developers and agencies who set up online stores and need a payment option for clients.
  • IT and business consultants who advise small businesses.
  • Accountants and bookkeepers whose clients ask how to get paid online.
  • Community leaders and educators who work with freelancers and online sellers.
  • Anyone with a network of online businesses.

How the ZurvaPay agent program works

  1. Apply. Register as an agent on the agent sign-up page.
  2. Get verified. Complete your agent verification. Your account shows a pending screen until it is approved.
  3. Get your referral link. After approval you have a personal link to share.
  4. Merchants join. A business that registers through your link becomes one of your referred merchants.
  5. They get verified and start accepting payments. The merchant completes onboarding and goes live.
  6. You earn. When a referred merchant withdraws, a commission is credited to your wallet.

How agents earn

Commission is based on the withdrawals of the merchants you referred. A commission percentage is applied to the withdrawal and credited to your agent wallet, and each credit is recorded in your commission log. The percentage is set by ZurvaPay: a default rate applies to your agent account, and a specific rate can be set for an individual merchant.

That means your income grows with the number of merchants you bring and how much they actually process. Earnings depend on your referrals and are not guaranteed.

Your agent dashboard

  • Referral link: the link to share with businesses.
  • Referred merchants: every merchant that registered through you, and the commission earned from each.
  • Commission log: a clear record of each commission credited.
  • Agent wallet: your commission balance.
  • Withdrawals: add a withdrawal method and request payouts from your balance.
  • Support: open and follow tickets from inside your account.

How to introduce ZurvaPay honestly

Merchants stay with a gateway when the promise matches reality. Say what ZurvaPay does today:

  • A hosted checkout and a simple payment API.
  • Live methods: JazzCash, Easypaisa and Raast QR.
  • Self-service onboarding with online KYC.
  • Signed notifications with automatic retries and a payment status check.
  • Sub-merchant accounts for businesses with several websites.

Be clear that approval is required, that charges are configured per merchant account, and that payments are live from day one. Send merchants to the API documentation if they have a developer, and to the contact page if they have questions you cannot answer.

Ways to find merchants

  • Your existing clients. Anyone who already sells online or sends invoices.
  • Your own content. A short guide to accepting payments, or a post about JazzCash payments for websites, positions you as the person who knows.
  • Developer communities. Many developers look for a gateway that is simple to integrate.
  • Local business groups. Online sellers often ask where to start.
  • Handover work. When you finish a website, include the payment setup in the project.

Mistakes to avoid

  • Promising income or approval. You cannot guarantee either, and merchants remember.
  • Making claims about features that are not live. Describe only what the platform does now.
  • Sharing your link without context. A short explanation of the benefits works far better than a bare link.
  • Abandoning the merchant after sign-up. Helping with the first integration builds the relationship that earns long-term commission.
  • Collecting merchants' secret keys. Never ask for them; developers can integrate with the documentation.

Frequently asked questions

How do I become a ZurvaPay agent?

Register through the agent sign-up page, complete verification and wait for approval. You then receive your personal referral link.

How are agents paid?

When a merchant you referred withdraws funds, a commission percentage is credited to your agent wallet and recorded in your commission log. You can then request a withdrawal of your balance.

What percentage will I earn?

The percentage is set by ZurvaPay. A default rate applies to your agent account and a specific rate can be set for an individual merchant. Your dashboard shows the commission from each referred merchant.

Do I need technical skills?

No. You introduce businesses to ZurvaPay through your link; the merchant or their developer handles the integration.

Can an agent also be a merchant?

You can take part in both ways: refer others as an agent, and open a merchant account for your own business.

Is income guaranteed?

No. Earnings depend on how many merchants you refer and how much they withdraw.

Join the ZurvaPay agent program

Become an agent and start sharing your referral link. Read more on the agent program page.

Commission rates are set by ZurvaPay. Earnings depend on the volume of the merchants you refer and are not guaranteed.

Related guides

Brand, bank and card network names are used only to describe payment methods and belong to their respective owners. ZurvaPay is an independent payment gateway and is not affiliated with or endorsed by them.

Start accepting payments with ZurvaPay

Open a merchant account, connect your website with one API and get notified the moment a customer pays.

Open a merchant account API documentation