Commission & payouts
Commission rates, attribution rules, payout rails (USDC or NGN), the free-account perk, and fraud protection.
The opportunity
We're building a Nigeria-anchored affiliate team because:
- Nigerian creators and devs already understand Borker's pain. You're already posting on X, LinkedIn, WhatsApp groups. You know what it costs to stay consistent.
- Your network has real buying power. Indie founders, dev shops, agencies, and creators all over the world live in the same communities you do.
- USD payouts go further here. $50 in commission is meaningful in NGN; the same $50 is barely a meal in San Francisco.
Commission structure (v1)
| Plan sold | Customer pays | You earn | Type |
|---|---|---|---|
| BYOK | $9 / month | $4.50 per signup | One-time, on first paid month |
| Starter | $19 / month | $4.50 per signup | One-time, on first paid month |
| Pro | $59 / month | $19.50 per signup | One-time, on first paid month |
| Lifetime | $149 once | $25 per signup | One-time, flat |
"First paid month" means Stripe's first successful charge on the new subscription. Signups that don't convert to a paid charge, for any reason, don't trigger commission.
Why one-time, not recurring? Borker is bootstrapped (no VC money). After AI costs, hosting, and Stripe fees, recurring affiliate commissions would mean we lose money on most subscribers. You get your full commission upfront on the customer's first paid month. Most B2B SaaS programs that pay recurring (typically 20–30%) only last around four months on average before churn anyway, so you'd rarely see more than this in practice. Lifetime sales pay a flat $25 because $149 is the customer's only payment, ever. If our economics improve, we'll revisit.
Concrete examples
| Activity | You earn |
|---|---|
| 10 Starter signups in a month | $45.00 |
| 5 Pro signups in a month | $97.50 |
| 3 Lifetime sales in a month | $75.00 |
| A typical mixed month (5 Starter + 2 Pro + 1 Lifetime) | $86.50 |
| 4 BYOK signups in a month | $18.00 |
How attribution works (v1)
- You get a unique referral link. e.g.
https://borker.xyz/ref/your-name - When someone signs up via your link, the conversion is yours. Your ref code is captured at signup as the source of the referral. For v1 there is no tracking cookie. The ref needs to be present at signup, either by landing on the signup page through your link or by entering your code in the referral field. We're handling attribution manually for now and will automate as we hit volume.
- First-link wins. If two affiliate links touch the same prospect, the first ref captured at signup owns the conversion.
- Reconciliation is manual in v1. Jephthah matches new signups against affiliate refs each week. If a prospect tells you they signed up but you don't see the conversion on your statement, ping Jephthah with their email and we'll fix it.
Payout details
- Frequency. Sales are batched monthly. Payout is on the 7th of the month after next. That schedule guarantees us at least 30 days to spot refunds, chargebacks, and fraud before money leaves Borker.
- Minimum threshold. $25 accrued before a payout is sent. Below that, your balance rolls forward.
- Currency. All commissions are denominated in USD. Conversion to NGN happens at the rail level.
- Reporting (v1). For now, we send each affiliate a monthly statement of clicks, conversions, pending balance, and paid balance. A self-service dashboard is on the roadmap once we hit volume.
- Refunds. If the customer's first invoice is refunded within the 30-day fraud-detection window, the commission is forfeited and won't appear on your statement. Refunds after payout are not clawed back from prior payments, but they reduce future eligible balance.
Payout rails
Two paths in v1. Pick whichever fits you better. You can switch any time.
- USDC direct. You give us a USDC wallet address; we send USDC on payout day. If you don't have a wallet yet, Jephthah will help you set one up. It's a one-time onboarding step.
- USDC → NGN via Jephthah. If you don't want to touch crypto at all, Jephthah receives the USDC on your behalf, converts to Naira locally at the daily Binance P2P median rate (you can spot-check the same number), and transfers NGN to your bank or mobile money. The exact rate used is shown on your monthly statement next to the NGN amount. No Borker margin on the conversion.
Affiliates are responsible for declaring commission income in their own jurisdiction; we do not withhold taxes.
The free account perk
Approved affiliates get a free Borker BYOK account while they remain active, subject to a minimum of 2 referrals per month. The minimum kicks in 90 days after approval. New affiliates have a 90-day ramp during which the free BYOK account is unconditional. After ramp, falling below for two consecutive months converts the account to a normal billed subscription (or you can pause it). The point: dogfood the product. The best affiliates are users. When you're posting on X using Borker, your followers see Borker working in real time.
Fraud protection
- 30-day payout delay. See Frequency above. The buffer exists specifically so refunds, chargebacks, and fraudulent signups surface before money leaves Borker.
- No double-attribution. If a user signs up with two affiliate refs, the first one captured wins.
- Clear fraud signals trigger a review. We contact you first. Willful or repeated violations result in forfeiture of pending balance and removal from the program. Trigger signals:
- Multiple same-IP or same-device signups within a short window AND shared payment-method or device fingerprints.
- Disposable-email or disposable-domain signups.
- Undisclosed paid traffic (paid ads without disclosure where the platform requires it).
- Voucher / promo-code stacking or abuse.
- Stolen-card or chargeback-prone payment-rail abuse.
- Self-referrals (matched on IP, device, or payment details).