BankPayU Affiliate FAQ’s
Absolutely. Since you have now made 365-day cookie tracking, first-click attribution, and recurring income core features of the Affiliate Program, the FAQ should make these benefits much more prominent rather than burying them in one question.
I would also change the wording around “referral link validity.” The link itself does not expire; rather, the referral attribution is tracked for up to 365 days.
Here is the revised version:
BankPayU Affiliate FAQ’s
Affiliate Program – Frequently Asked Questions
1. Do I need banking or loan knowledge to become an Affiliate?
No.
The BankPayU Affiliate Program is designed for content creators, influencers, marketers, website owners, bloggers, digital promoters and others with an online audience or reach.
You do not need to handle loan files or have banking expertise. Your primary role is to promote BankPayU and bring Partners, customers and loan referrals through your Affiliate Link.
2. What does a BankPayU Affiliate actually do?
An Affiliate helps BankPayU reach more people through their Affiliate Link.
You can bring:
New Partners to BankPayU
Customers looking for loans
Loan referrals
Online traffic and enquiries
Affiliates promote. Partners source and handle loan cases. Banks and NBFCs make lending decisions.
3. How long can I earn from someone who clicks my Affiliate Link?
BankPayU provides up to 365 days of cookie-based referral tracking.
If a person clicks your Affiliate Link and later returns to BankPayU and completes an eligible action within the applicable 365-day tracking period, the referral can remain attributed to you, subject to the Affiliate Terms and applicable payout conditions.
This means your Affiliate Link can continue working for you long after the original click.
4. What is the First-Click Lead benefit?
BankPayU follows a first-click attribution principle for Affiliate referrals.
If a user first clicks your Affiliate Link and later clicks another Affiliate’s link, the referral will generally remain attributed to the Affiliate whose link was clicked first, subject to the applicable tracking and attribution conditions.
For example:
Affiliate A Link → User Clicks → Affiliate B Link → User Registers / Becomes Partner
In this situation, Affiliate A generally receives the attribution, because Affiliate A’s link was clicked first.
This gives Affiliates an important advantage when they are the first to introduce a user to BankPayU.
5. Can I earn repeatedly from the same Partner?
Yes, where the applicable Affiliate payout arrangement provides for recurring Partner-based earnings.
If a user becomes a BankPayU Partner through your Affiliate Link, you may continue to be eligible for applicable Affiliate earnings when that referred Partner subsequently submits eligible loan transactions through BankPayU.
This creates an opportunity for recurring income from your referred Partners, subject to applicable payout policies, eligibility conditions and successful loan transactions.
6. Is the Affiliate income only for bringing a Partner once?
Not necessarily.
One of the key benefits of the BankPayU Affiliate Program is that your earning opportunity can extend beyond the initial Partner registration.
Where applicable:
You bring a Partner → Partner submits eligible loan cases → Loan gets disbursed → You may earn applicable Affiliate commission
The referred Partner may submit multiple eligible loan transactions, creating an opportunity for recurring Affiliate earnings, subject to the applicable payout rules.
7. Do Affiliates handle loan documents or bank coordination?
No.
Affiliates do not handle loan files, documents or bank follow-ups as part of their Affiliate role.
Loan processing and case handling are carried out by BankPayU and/or eligible Partners, as applicable.
8. When do Affiliates get paid?
Affiliate earnings become eligible after the applicable loan transaction successfully meets the required conditions, including successful loan disbursement where applicable.
The actual payout is subject to the applicable Affiliate Payout Policy, lender confirmation, attribution and other eligibility conditions.
9. Is there any joining or registration fee?
No.
Joining the BankPayU Affiliate Program is completely free.
10. Does BankPayU collect money from customers?
No.
BankPayU does not collect loan fees or loan payments from customers merely for arranging a loan referral.
Loan processing, sanction and disbursement are subject to the concerned bank or NBFC and its applicable terms.
11. Where can I promote my Affiliate Link?
You can promote your Affiliate Link through suitable online channels, including:
YouTube
Instagram
Facebook Pages and Groups
Blogs and websites
WhatsApp and Telegram communities
Digital marketing channels
Other social-media platforms
Paid advertising, subject to applicable laws, platform policies and BankPayU’s marketing guidelines
Affiliates must use their Affiliate Link accurately and must not make misleading claims about loans, approval or payouts.
12. Is loan approval guaranteed for my referrals?
No.
Loan approval depends on the bank or NBFC’s eligibility criteria, credit policy, documentation and final lending decision.
BankPayU does not guarantee loan approval or disbursement.
13. Can I track my referrals and earnings?
Yes.
You get access to an Affiliate Dashboard where applicable information may include:
Affiliate clicks
Registrations
Referred Partners
Eligible transactions
Applicable earnings and payouts
Tracking and reporting are subject to the information recorded by the BankPayU system and applicable attribution rules.
14. Can I become a Partner after joining as an Affiliate?
Yes.
You can separately register for the BankPayU Partner Program if you want to start sourcing and handling eligible loan cases directly.
The Affiliate Program and Partner Program are separate programs with different roles and earning structures.
15. Can I personally use BankPayU for my own loan requirement?
Yes.
An Affiliate may independently use BankPayU for a genuine personal loan requirement, subject to the applicable product eligibility, lender terms and payout conditions.
Being an Affiliate does not by itself prevent you from using BankPayU as a loan seeker or customer.
16. Is BankPayU a lender or NBFC?
No.
BankPayU is a loan sourcing and partner management platform. It is not itself a bank, NBFC or lending institution.
Loan approval, sanction and disbursement decisions are made by the concerned bank or NBFC.
17. Are Affiliate earnings fixed?
Affiliate earnings may vary depending on factors such as:
Loan product
Eligible loan transaction
Applicable payout structure
Number of eligible transactions generated through your referrals
Referred Partners’ subsequent eligible loan activity
Lender and platform terms
Affiliate earnings are performance-linked and are not guaranteed.
18. What makes the BankPayU Affiliate Program different?
The BankPayU Affiliate Program combines three important benefits:
365-Day Tracking
Your referral can remain trackable for up to 365 days.
First-Click Attribution
Being the first Affiliate to bring a user to BankPayU can give you attribution priority under the applicable rules.
Recurring Earning Opportunity
When eligible Partners referred through your Affiliate Link continue submitting qualifying loan transactions, you may have an opportunity to earn applicable Affiliate commissions repeatedly.
Final Clarity
Affiliates bring Partners, customers and loan referrals to BankPayU
365-day cookies keep eligible referrals trackable
First-click attribution protects the first Affiliate referral
Referred Partners can create recurring earning opportunities
Partners source and handle loan cases
Banks and NBFCs make lending decisions
Affiliate earnings are subject to eligibility and successful transactions
One click can create an earning relationship that lasts much longer than the first visit.