Approved agreement, certification complete, valid payout profile, and no compliance hold.
SCA Growth Partner Program
The complete affiliate program guide.
Understand what you receive, how referrals qualify, how commission is calculated, and what happens from application through payout.
01 · Onboarding
Eight steps from application to payout.
Approval and certification come before promotion. Live access is the final handoff after your partner setup is complete.
- 01
Apply
Tell us about your audience, channels, and promotion plan.
- 02
Pass review
SCA confirms audience fit, channel quality, and compliance readiness.
- 03
Complete setup
Accept the agreement and complete identity, tax, and payout requirements.
- 04
Get certified
Review positioning, disclosures, prohibited claims, tracking, and support.
- 05
Receive your tools
Get your partner ID, tagged links, campaign assets, and subID convention.
- 06
Refer qualified agents
Use current approved claims and clearly disclose the relationship.
- 07
Allow SCA to validate
SCA confirms qualification, funding, activation, and any reversals.
- 08
Receive approved payouts
Finance closes the period, approves the statement, and releases payment.
02 · Partner economics
Clear rates tied to verified customer activity.
Commission is calculated on eligible net-cleared Flex wallet funding, less refunds, chargebacks, disputes, promotions, and reversals. Member subscription fees are not commissionable.
At least 10 retained active referred agents, D30 retention of at least 60%, refund or chargeback rate below 5%, and no unresolved compliance incident.
At least 25 retained active referred agents, the same quality gates, and an approved joint campaign plan.
| Eligible funding | Certified 2.5% | Growth 3.0% | Strategic 3.5% |
|---|---|---|---|
| $10,000 | $250 | $300 | $350 |
| $25,000 | $625 | $750 | $875 |
| $50,000 | $1,250 | $1,500 | $1,750 |
Examples are arithmetic illustrations, not a promise of income, profit, referral volume, or tier qualification. Gross commission is not profit and does not account for your costs or taxes.
Illustrative affiliate economics2.5% Certified tier commission rate
Illustrative monthly gross commission$250
$10,000 × 2.5%
- 12-month gross at the same monthly funding
- $3,000
- Estimated monthly affiliate profit
- $250
- Estimated 12-month affiliate profit
- $3,000
Illustration only—not a promise of income or return. “Affiliate profit” here means gross commission minus the promotion cost you entered. It excludes taxes, labor, overhead, and other expenses. Actual commissions depend on eligible net-cleared funding, the applicable tier, the 12-month term, validation, reversals, compliance, and the signed partner agreement.
03 · Referral eligibility
What counts—and what does not.
- A new agent or agency relationship that is not already in SCA’s records.
- A completed qualification profile with accepted business details.
- Eligible Flex wallet funding that clears and reconciles.
- Required activation and validation milestones under the signed agreement.
- Existing accounts or prior active opportunities
- Duplicate NPNs or duplicate business records
- Self-referrals, employees, and related parties
- Refunded, disputed, reversed, or promotional funding
- Member subscription fees or consumer outcomes
- Any activity created with misleading or unapproved claims
Attribution
Registration must occur inside the applicable window, subject to first-approved-partner and duplicate rules.
Validation
Commission remains subject to refund, dispute, reversal, activation, and compliance review.
Commission term
The term begins with the first eligible cleared Flex wallet funding for the referred account.
04 · Promotion standards
Promote the program accurately and transparently.
SCA provides the approved starting point. Partners remain responsible for how and where they publish.
- 1
Use only current, approved SCA claims, links, and creative.
- 2
Clearly disclose that you may receive compensation from SCA.
- 3
Never promise income, lead volume, sales, policy results, or consumer outcomes.
- 4
Do not collect card, health, policy, or consumer information for SCA.
- 5
Get written approval before paid ads, trademark bidding, redirects, or custom domains.
- 6
Stop using an asset immediately when SCA retires or replaces it.
05 · Monthly payout process
Finance validates the ledger before payment.
- Business day 1Freeze
Prior-month funding, commission, and reversal records are frozen.
- By business day 3Reconcile
Funding, wallet, attribution, and commission totals are matched.
- By business day 5Approve
Exceptions are resolved and partner statements are approved.
- After approvalRelease
The payout batch is released and the closed statement is retained.
Approved partners
Your secure dashboard is the final onboarding step.
Sign in only after SCA confirms that your agreement, certification, and payout profile are complete.