Refer once. Earn on every Abundera product they ever subscribe to.
Your audience already needs help with bills, disputes, contracts, refunds, and the paperwork life keeps throwing at them. When they sign up through your link, the attribution is locked to you for the life of that customer's paid relationship with Abundera, on every product they subscribe to (see Program Terms for what "lifetime" means).
Apply free. No purchase required. No upfront fee. Single-tier: you earn only on customers you directly refer.
Earnings depend on the customers you refer who become and remain paying subscribers. Many participants earn nothing. See Program Terms for the full agreement.
Earn on the entire family
A user who signs up through your link to any product earns you commission on every product they later subscribe to, including products we have not launched yet.
Monthly cohort tiers
Each user is assigned to the calendar month of their first paid invoice. The cohort's lifetime commission rate is determined by the total annualized ARR of all paid signups attributed to you in that month. Locked at month-end, lifetime on every user in that cohort. Next month resets.
Creator track
Open self-serve. Apply free.
- $0 to $5,000 ARR signed20%
- $5,001 to $25,00022%
- $25,001 to $75,00025%
- $75,001 to $150,00028%
- $150,001 and up30%
Sales rep track
Invite-only. Signed agreement on Abundera Sign.
- $0 to $5,000 ARR signed10%
- $5,001 to $15,00012%
- $15,001 to $30,00014%
- $30,001 to $50,00016%
- $50,001 to $100,00018%
- $100,001 and up20%
How the math works
Annualized ARR for an invoice is the net amount times (12 / months covered). A monthly Pro subscriber at $129/mo contributes $1,548. An annual Plus prepay of $948 also contributes $948. The whole cohort's totals add up; whichever tier the total lands in is the rate every member of that cohort earns at, for as long as they keep paying.
Hypothetical creator cohort, this month: 20 Pro signups @ $1,548 ARR each $30,960 8 Plus signups @ $948 ARR each $7,584 3 Vault signups @ $4,188 ARR each $12,564 ──────────────────────────────────────────── Cohort total $51,108 → 25% lifetime
Hypothetical math, not a forecast. Your earnings depend on which Abundera customers you actually refer and whether they remain paying customers. Many participants earn nothing. We make no representation of typical or expected earnings.
Estimate the math yourself
Adjust the inputs to see what a single cohort month might look like. This is a structural model of the program, not a forecast of earnings.
Illustrative model. Not a forecast. Your actual earnings depend on customers you refer who remain paying subscribers; many participants earn nothing.
Refunds inside the 30-day pending window void the related commission. Chargebacks always void plus clawback. The calculator does not model these.
The compounding effect across products
Most affiliate programs end at the first product. Ours doesn't. When the user you referred adds a second product, your monthly check goes up. When they add a third, it goes up again. The same person you referred to QR Pro can become a Sign customer next year and an Abundera financial advocacy customer the year after, and you keep earning on every dollar they ever pay us.
The journey of one customer you refer
Your projected commission
Illustrative only. Not a forecast or projection of your earnings. Defaults are anchored to published B2C SaaS benchmarks (see methodology note below).
Cumulative at month 6
$0
Cumulative at year 1
$0
Cumulative at year 2
$0
Monthly run-rate at month 24
$0
Illustrative, not guaranteed. Many participants earn nothing.
Methodology. The widget projects 24 months. Defaults are anchored to public B2C SaaS benchmarks: ~8% cross-product attach within 12 months and ~3% second cross-product attach within 24 months (referenced against Atlassian, Notion, Calendly, and Loom public disclosures), and 24-month median customer retention (referenced against ChartMogul and Recurly published benchmarks). Abundera has no internal program data yet, so every default is set at the conservative end of the published range. Every new referral is modeled as starting on QR Pro Business; a configurable percentage adds Sign Professional 6 months later; a smaller percentage adds Abundera Pro 12 months after that. Cohort rate locks at sign-up month based on that month's ARR. Refunds and chargebacks are not modeled. Your results will vary materially. Many participants earn nothing. Abundera makes no representation of typical or expected earnings.
How it works
Four steps. We do the bookkeeping.
Apply and verify
Creator track is self-serve. Sales rep track requires an invitation and a signed agreement on Abundera Sign. Stripe Connect Express handles KYC. W-9 (US) or W-8BEN (non-US) on file before any payout.
Share your link
Each affiliate gets a default tracking link plus the option to mint more. The cookie is first-party and scoped to the entire abundera.ai property family, so attribution survives across products.
Cohorts and tiers
Every user a referral converts is added to the calendar month of their first paid invoice. The cohort's lifetime rate is set by the cohort's total annualized ARR. We lock the rate on the 1st of the next month.
Get paid as we collect
Annual prepays drip out monthly. We pay via Stripe Connect once your due balance reaches $50. Stripe Connect Express issues 1099-NEC (US) or 1042-S (non-US) at year-end where required.
The cross-product part, explained
This is the part most affiliate programs cannot offer. Read it carefully so it is unambiguous.
When someone signs up through your link to any Abundera property, the attribution is recorded against your account and locked to that user. The cookie is shared across every property in the family, and we also fall back to a server-side fingerprint match plus Stripe's client_reference_id in case the cookie is cleared.
From that moment forward, every paid invoice that user ever generates on any Abundera product earns you commission at the cohort's locked rate. That includes products we launch in the future. If they sign up to QR free, later upgrade to QR Pro, then add Sign, then later subscribe to a product that does not exist yet, you earn on every one of those payments, for as long as they keep paying us.
One affiliate per user. First-touch wins. We do not pay multi-level. There is no commission for recruiting other affiliates, and there is no downline.
What you actually get paid
No buried fees, no withholding surprises. Here is the real math.
Pre-tax base
Your commission percentage multiplies against the net amount we collect from each customer payment: gross paid, minus sales tax / VAT, minus any discounts or promo codes the customer used. Sales tax is a pass-through to the state — it never lands in our pocket, so it never lands in yours.
We absorb processor fees
Stripe's payment processing fees (2.9% + 30¢ per charge) come out of Abundera's margin, not your commission base. You earn at the rate × the full pre-tax amount we billed.
We absorb payout fees
Stripe Connect Express transfer fees, monthly account fees, cross-border surcharges, and FX conversion are all on us. You receive your full commission balance — no $2/month dent, no $0.25 per payout, no FX skim.
US affiliates: no withholding
You receive 100% of your commission. We file a 1099-NEC at year end if you cross the 2026 threshold of $2,000. You handle income tax + self-employment tax (Schedule SE) yourself. State income tax is also your responsibility.
Non-US: usually 0% withholding
Affiliate work performed outside the US is foreign-source income and typically not subject to US withholding when you have a current W-8BEN on file. We file a 1042-S at year end documenting what you earned. If treaty withholding ever applies, we deduct only the treaty rate, not the default 30%.
Refunds and chargebacks
Refunds inside the 30-day pending window void the related commission. Chargebacks always void plus clawback. Because we pay you only after the pending window clears, you almost never face a clawback against money already in your bank.
Worked example
A California customer pays $129 for Pro plus $10.32 sales tax = $139.32 total. Stripe charges us $4.34 (2.9% + 30¢) to process the card. We remit $10.32 to California. Your commission base: $129 (pre-tax, post-discount). At a 25% locked cohort rate: $32.25. You receive $32.25. Stripe Connect transfer fee: $0 to you.
How we keep this program clean
Honest affiliates lose money when fraud goes unchecked. Here is what we actually do.
Self-referral block
Signups using your own email, payment fingerprint, or device match never count, in any cohort, ever. Detected automatically before a commission row is even written.
30-day pending window
Every commission stays in pending for 30 days, matching our money-back guarantee. Refunds inside the window void the related commission cleanly.
Refund-rate guardrail
If your referrals refund at more than 5% in a rolling 90 days, payouts auto-pause for review. Pulls bad-fit traffic out of the system before it costs you.
Chargeback clawback
Chargebacks always void the commission. If the slice was already paid, it nets against your next payout.
Bot and stuffing rejection
Cloudflare Bot Management score drives a hard reject at the visit level. Cookie-stuffed iframes and pixel-only pages do not register.
Single-tier only
You earn only on customers you directly refer. There is no recruitment requirement, no downline, no purchase required to participate.
Frequently asked
Who can join?
Anyone 18+ with an Abundera account who passes Stripe Connect Express identity verification and submits a W-9 (US) or W-8BEN (non-US). Creator track is self-serve. Sales rep track is invite-only.
Is it free? Are there fees or required purchases?
Free to join. No upfront fee, no required product purchase, no training fee, no inventory.
How does the cross-product part actually work?
Each user has a single Abundera identity that spans every property. Once a user is attributed to your affiliate account, every paid invoice that user generates on any Abundera product earns commission for you at your cohort's locked rate. This continues for the life of that customer's paid relationship with Abundera, subject to the refund, chargeback, and termination provisions in the Program Terms (see Program Terms for what "lifetime" means).
What's the attribution window?
60-day cookie. Cookie is first-party, scoped to .abundera.ai, so it persists across every property. We also store a server-side fingerprint as a fallback when cookies are cleared, and Stripe Checkout's client_reference_id covers the JS-disabled case.
What if the user clicks two affiliates' links before signing up?
First-touch wins. The first valid visit linked to the user's signup gets the attribution. Subsequent visits to other affiliates' links do nothing.
How are commissions calculated when an invoice covers a year?
We amortize. An annual prepay is split into 12 monthly slices. You earn one slice each month over the prepay period, paid as we collect. This aligns commission release with refund risk and keeps clawback simple.
When do I get paid?
Monthly, on or after the 1st, via Stripe Connect Express. Minimum payout balance is $50. Held until your tax form is verified, KYC is complete, and any cool-off period from a destination change has elapsed (7 days).
What happens on refunds?
Refunds inside the 30-day pending window void the related commission. Refunds after a slice has already been paid create a clawback that nets against your next payout. Chargebacks always void and clawback regardless.
Can I refer myself, my spouse, my employees, or my own alt accounts?
No. Self-referral is detected by email, payment-method fingerprint, and device fingerprint match. Family-and-friends rings tied to the same payment instrument are flagged for review and may be voided.
What promotion methods are off-limits?
Bidding on Abundera trademarks or branded keywords in paid search or paid social. Spam (CAN-SPAM, CASL violations). Purchased or harvested email lists. Fake reviews or incentivized testimonials without disclosure. Cookie-stuffing or click-bombing. Misrepresenting Abundera or its products. Coupon-site stuffing without permission. The Affiliate Program Terms have the full list.
How do I disclose the affiliate relationship?
FTC 16 CFR Part 255 requires you to disclose your material connection to Abundera anywhere you recommend our products, clearly and conspicuously, near the recommendation, in plain language. #ad alone is not enough. Once you sign up we provide copy-paste templates for blog, video, email, and social.
Is this an MLM? Do I earn from people I recruit?
No. The program is single-tier. You earn only on customers you directly refer. There is no recruitment requirement, no commission for signing up other affiliates, no downline, no buy-in. If we ever change that, we will rename the program and notify every existing affiliate.
Can my cohort rate go down after it locks?
No. Once a cohort's rate locks on the 1st of the next month, it stays at that rate for every member's lifetime, regardless of next month's performance. Subsequent refunds or chargebacks reduce the cohort total used for finalization, but they do not retroactively reduce a rate already locked unless the cohort is reduced enough to fall below a tier threshold.
What if I take a quiet month?
Your existing cohorts keep paying out at their locked rates. The current month's cohort earns at whatever tier the month's total ARR lands in, even if that's the base tier. Locked cohorts are not touched.
What does my commission percentage actually multiply against?
The net amount Abundera collects: gross invoice, minus sales tax / VAT, minus any discounts or credits the customer used. Stripe processing fees (2.9% + 30¢) come out of our pocket and do not reduce your base. Refunds and chargebacks reduce it post-hoc and may void or clawback as described elsewhere.
Do you take any taxes out of my payout?
US affiliates: no. We pay 100% of your commission to your Stripe Connect account. We file a 1099-NEC at year end if you cross the 2026 threshold of $2,000. You handle income tax and self-employment tax (Schedule SE) yourself, plus any state filings.
Non-US affiliates: typically 0%. Affiliate work performed outside the US is foreign-source income and usually not subject to US withholding when you have a current W-8BEN on file. We file a 1042-S at year end. If your situation triggers US-source treatment under your tax treaty, we apply the treaty rate (often still 0% for business profits with no US permanent establishment), never the default 30%.
Are there any fees deducted from my payout?
No. Abundera absorbs every Stripe Connect fee — the $2/month per active account fee, the $0.25 + 0.25% per-payout fee, cross-border surcharges, and FX conversion. You receive your full commission balance.
How do I get terminated?
Either party can end the relationship without cause on 30 days' notice. Termination without cause preserves vested commissions on already-collected revenue at locked cohort rates. Termination for cause (fraud, breach, abuse) forfeits unpaid commissions and activates our right to clawback up to 90 days of prior payouts.
What data do you collect about visitors who click my links?
A first-party cookie called ab_ref, plus a server-side row containing a hashed fingerprint of IP, user-agent, and language headers. EU and UK visitors are subject to consent rules — the visit endpoint will not fire without consent. CCPA "Do Not Sell or Share" opt-outs are honored. Cookie expires in 60 days.
Apply
Already an affiliate? Open your dashboard.
See the Affiliate Program Terms for the full agreement governing this program. Actual earnings depend on the customers you refer who become paying subscribers and remain customers. Many participants earn nothing. Abundera makes no representation of typical or expected earnings. Locked cohort rates are subject to the refund, chargeback, and termination provisions described in the Program Terms. Abundera, Inc. is a Delaware corporation operating from 200 W Sahara Ave, Unit 3301, Las Vegas, NV 89102. Contact partners@abundera.ai for program questions.