Why Promote This Offer

The PayMe affiliate program pays a CPA of $2.4 for every loan application submitted by a new Indian user. With 12 million-plus users, same-day disbursal, and a platform backed by PayMe India Financial Services Private Limited - an RBI-registered NBFC - this is a solid application-linked payout for publishers with broad Indian personal finance traffic.

1. A $2.4 CPA on loan application is competitive in the Indian digital lending affiliate market, with the application trigger providing a low-friction conversion event that captures users at the point of active credit intent.
2. PayMe's 12 million-plus user base and RBI NBFC registration give it the scale and compliance credentials that convert Indian adults who are cautious about sharing financial details with new-to-market fintech apps.
3. The lending partnership model - with both PayMe's own NBFC and multiple partner NBFCs and P2P platforms - means a broader range of borrower profiles can be approved, increasing the conversion rate from application to disbursal.
4. India's large instant personal loan market with consistent demand from salaried adults, gig workers, and self-employed individuals for fast, paperless credit creates a year-round acquisition opportunity for publishers in the fintech vertical.

Who Should Promote This

Ideal Publisher Profile

Best suited for Indian personal finance and instant loan comparison content sites, salary advance and emergency loan content platforms, YouTube channels covering digital lending for Indian workers, and media buyers running push or display campaigns targeting Indian adults aged 21 to 58 with personal loan or salary gap intent.

Audience Match

Converts best with Indian salaried and self-employed adults aged 21 to 58 earning at least Rs 15,000 per month who need fast access to personal credit between paydays or for planned expenses and prefer a fully digital, no-branch process.

Traffic Rules

Allowed

• Organic Indian personal finance, instant loan, and loan comparison content
• Salary advance and emergency expense content targeting Indian salaried adults
• EMI calculator and loan eligibility tool placements
• Email marketing to opted-in Indian finance and employment audiences
• Display and DSP campaigns targeting Indian adults with personal loan intent
• Push notifications targeting Indian adults with urgent financial need

Not Allowed

• Incentivized or reward-based loan applications
• Fraudulent or duplicate applications
• Brand keyword bidding on PayMe paid search terms
• Traffic from outside India
• Content targeting users under 21 or encouraging over-indebtedness
• Pop-up or pop-under traffic

Compliance Note

All promotions must comply with RBI digital lending guidelines and ASCI advertising standards. Do not make guaranteed approval claims or misrepresent interest rates. PayMe works with multiple NBFC partners - identify the platform clearly and not as a single-entity lender.

Tracking Flow

1. Publisher places their S2S Postback tracking link in Indian personal finance or loan content.
2. User clicks and is directed to the PayMe app on Google Play or the App Store.
3. User downloads, installs, and registers using mobile number or email.
4. User completes KYC with Aadhaar and PAN and fills in personal and income details.
5. User submits the loan application through the PayMe app.
6. Postback fires the loan applied conversion event to the affiliate network.
7. After the 30-day validation window, $2.4 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 loan application submitted

Promotional Tips

• Salary gap and payday content targeting Indian salaried adults mid-month is the strongest conversion angle for PayMe - frame it as the fast, regulated option for workers who need credit before the next payday without visiting a bank.
• Emergency loan content covering medical, repair, and unexpected expense use cases converts consistently throughout the year - PayMe's same-day disbursal for approved applicants is the strongest feature to highlight in emergency expense content.
• PayMe's broad lending partner network - covering both NBFC and P2P lending - is a genuine conversion point for users who have been rejected by single-entity lenders, as the platform can match borrowers across a wider credit spectrum.
• For media buyers, push notification campaigns targeting Indian adults with financial app install history deliver strong click-to-apply conversion rates for PayMe's short, friction-free application flow.

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.