ABCD UPI Affiliate Program

Why Promote This Offer

The ABCD UPI affiliate program pays a CPA of $0.3 for every first successful UPI payment completed by a new Indian user on the ABCD app. With India's 300 million-plus active UPI user base and a frictionless single-payment conversion trigger, this program is built for high-volume acquisition across Indian digital payments and fintech audiences.

1. A $0.3 CPA on first successful payment is a high-volume, low-friction model suited for publishers with broad Indian fintech traffic — the ease of making a UPI payment drives fast conversion rates.
2. ABCD's NPCI licensing and Aditya Birla Capital backing give it immediate credibility over standalone fintech apps, reducing the trust barrier for users making their first payment on the platform.
3. India's 300 million-plus active UPI users and continued growth of digital payments in Tier 2 and Tier 3 cities create a massive and expanding addressable audience for this program.
4. The first-payment trigger is one of the lowest-friction CPA events in the fintech vertical — requiring only a single successful UPI transaction, with no deposit, loan, or investment step needed.

Who Should Promote This

Ideal Publisher Profile

Best suited for Indian personal finance and payments comparison sites, UPI app review and tutorial content creators, YouTube channels covering digital payments and fintech in India, social media pages targeting Indian mobile users, and media buyers running in-app display or push campaigns targeting UPI-active Indian adults.

Audience Match

Converts best with Indian adults aged 18 to 45 who already use UPI regularly for daily transactions and are open to switching or adding a new payments app that bundles financial services including loans, investments, and insurance alongside payments.

Traffic Rules

Allowed

• Organic Indian fintech, UPI, and digital payments review content
• App comparison articles and tutorial content for UPI payment apps
• Email marketing to opted-in Indian digital finance audiences
• Native advertising on Indian technology, finance, and lifestyle platforms
• In-app display and DSP campaigns geo-targeted to India with payments intent
• Push notifications targeting Indian smartphone users with UPI or digital banking context
• Social media content on Instagram, YouTube Shorts, and Telegram fintech groups

Not Allowed

• Incentivized or reward-based referrals
• Fraudulent or simulated payment transactions
• Brand keyword bidding on ABCD or Aditya Birla Capital paid search terms
• Traffic from outside India
• Content targeting users under 18
• Pop-up or pop-under traffic

Compliance Note

All promotions must comply with NPCI UPI guidelines and RBI digital payment regulations. Do not misrepresent cashback, interest rates, or financial returns in creatives.

Tracking Flow

1. Publisher places their S2S Postback tracking link in Indian fintech or UPI content.
2. User clicks and is directed to the ABCD app on the Google Play Store.
3. User downloads, installs, and registers on the ABCD app.
4. User sets up their UPI ID and completes their first successful payment transaction.
5. S2S Postback fires the first-payment conversion event to the affiliate network.
6. Conversion enters the 30-day validation window.
7. After validation, $0.3 is credited to the publisher's payout balance.

Tracking Window: 30 days  |  Attribution: Last-click  |  Tracking Method: S2S Postback  |  Deduplication: One CPA per unique new Indian user first payment

Promotional Tips

• UPI app comparison content — framing ABCD against PhonePe, GPay, and Paytm — is the highest-converting acquisition angle; highlight ABCD's multi-bank Multi-Pay feature and institutional backing as key differentiators.
• Recharge and bill payment tutorial content drives fast first-payment conversions — users landing on how-to guides are already in a payment-intent mindset and convert quickly on a new app install.
• Position ABCD as a payments app that grows with the user — the embedded loans, investments, and insurance features make it a long-term financial companion, not just another UPI tool.
• For media buyers, in-app placements in Indian e-commerce, food delivery, and ride-hailing apps target users making payments throughout the day, delivering strong contextual alignment with first-payment conversions.

Payment Methods

Publishers are paid through multiple flexible methods including Crypto, Wise, PayPal, Wire Transfer, and more. Payouts are processed on a Net-30 cycle once your earnings clear the minimum payout threshold. Contact your account manager if you need to set up or change your preferred payment method.