---
title: Sending a merchant referral
description: Submit merchant referrals to Cashflow.io and learn what information to include, how to send it, and what happens next.
---

[Skip to content](https://support.cashflow.io/sending-a-merchant-referral#main-content)

- [English](https://support.cashflow.io/sending-a-merchant-referral)
- [Français](https://support.cashflow.io/fr/sending-a-merchant-referral)

English

Show submenu for translations

[SUBMIT TICKET](https://support.cashflow.io/kb-tickets/new?hsLang=en)

![1ef9feff-d100-41b2-b671-44bcd32aa593](https://support.cashflow.io/hs-fs/hubfs/1ef9feff-d100-41b2-b671-44bcd32aa593.png?width=311&height=75&name=1ef9feff-d100-41b2-b671-44bcd32aa593.png)

Open main navigation

Close main navigation

- - [English](https://support.cashflow.io/sending-a-merchant-referral)
    - [Français](https://support.cashflow.io/fr/sending-a-merchant-referral)

  English
  
  Show submenu for translations
- [SUBMIT TICKET](https://support.cashflow.io/kb-tickets/new)
- [Homepage](https://cashflow.io/)

[Homepage](https://cashflow.io/)

 How can we help you today?

- There are no suggestions because the search field is empty.

1. [Knowledge Base](https://support.cashflow.io/?hsLang=en)
2. [Partners](https://support.cashflow.io/partners?hsLang=en)
3. [Merchant Referrals](https://support.cashflow.io/partners?hsLang=en#merchant-referrals)

# Sending a merchant referral

## In this article, you will learn how to send a merchant referral to Cashflow.io. A merchant referral gives Cashflow.io the information needed to review fit, schedule the next step, and begin the merchant onboarding process.

### **Referral methods**

You can submit a merchant referral using one of the approved referral paths:

- Partner Portal referral form
- Email referral to Cashflow.io
- Warm introduction
- Internal handoff from a processor or ISO team

### **Sending a referral through the Partner Portal**

**Step 1:** Log in to the Partner Portal.

**Step 2:** Go to the referral or merchant submission area.

**Step 3:** Enter the merchant information requested in the referral form.

Include the merchant’s company details, contact information, payment needs, current processor or gateway, accounting or ERP system, and the problem they are trying to solve.

**Step 4:** Review the referral before submitting.

Make sure the merchant name, contact information, and opportunity details are accurate.

**Step 5:** Submit the referral.

After the referral is submitted, Cashflow.io will review the merchant fit and confirm the next step.

### **Sending a referral by email or warm introduction**

When sending a referral by email or warm introduction, include as much of the referral checklist information as possible.

At a minimum, include:

- Merchant name
- Primary contact name
- Email and phone number
- Website
- Current payment processor or gateway, if known
- The payment workflow or business problem the merchant wants to solve
- Timeline or urgency

### **What happens after the referral is submitted?**

After a referral is submitted:

1. The referral is received.
2. Cashflow.io reviews the merchant fit.
3. A discovery call may be scheduled.
4. Merchant onboarding requirements are confirmed.
5. Pricing is confirmed.
6. The merchant account is created.
7. KYC/AML data is collected, if required.
8. Processor or gateway connection is completed.
9. Merchant training is completed.
10. The merchant goes live.

- [News & Updates](https://support.cashflow.io/news-updates?hsLang=en#main-content)

    - [Feature Releases](https://support.cashflow.io/news-updates?hsLang=en#feature-releases)
    - [Improvements](https://support.cashflow.io/news-updates?hsLang=en#improvements)
- [Getting Started](https://support.cashflow.io/getting-started?hsLang=en#main-content)

    - [Videos](https://support.cashflow.io/getting-started?hsLang=en#videos)
    - [Quick Guides](https://support.cashflow.io/getting-started?hsLang=en#quick-guides)
- [Account Management](https://support.cashflow.io/account-management?hsLang=en#main-content)

    - [Account Settings](https://support.cashflow.io/account-management?hsLang=en#account-settings)
    - [Membership](https://support.cashflow.io/account-management?hsLang=en#membership)
    - [User Management](https://support.cashflow.io/account-management?hsLang=en#user-management)
    - [My Profile](https://support.cashflow.io/account-management?hsLang=en#my-profile)
    - [Contacts](https://support.cashflow.io/account-management?hsLang=en#contacts)
- [Receivables](https://support.cashflow.io/receivables?hsLang=en#main-content)

    - [Manual Payment](https://support.cashflow.io/receivables?hsLang=en#manual-payment)
    - [Payment Request](https://support.cashflow.io/receivables?hsLang=en#payment-request)
    - [Receivables History](https://support.cashflow.io/receivables?hsLang=en#receivables-history)
    - [PayLink](https://support.cashflow.io/receivables?hsLang=en#paylink)
    - [Recurring Payments](https://support.cashflow.io/receivables?hsLang=en#recurring-payments)
- [Payables](https://support.cashflow.io/payables?hsLang=en#main-content)

    - [Domestic Payments](https://support.cashflow.io/payables?hsLang=en#domestic-payments)
    - [Cross Border Payments](https://support.cashflow.io/payables?hsLang=en#cross-border-payments)
- [Integrations](https://support.cashflow.io/integrations?hsLang=en#main-content)

    - [QuickBooks](https://support.cashflow.io/integrations?hsLang=en#quickbooks)
- [Bring Your Own Payments (BYOP)](https://support.cashflow.io/bring-your-own-payments-byop?hsLang=en)
- [eQuote](https://support.cashflow.io/equote?hsLang=en#main-content)

    - [Managing eQuotes](https://support.cashflow.io/equote?hsLang=en#managing-equotes)
    - [Customization & Templates](https://support.cashflow.io/equote?hsLang=en#customization-templates)
- [Security](https://support.cashflow.io/security?hsLang=en)
- [Partners](https://support.cashflow.io/partners?hsLang=en#main-content)

    - [Partner Setup and Operations](https://support.cashflow.io/partners?hsLang=en#partner-setup-and-operations)
    - [Merchant Referrals](https://support.cashflow.io/partners?hsLang=en#merchant-referrals)
- [FAQ](https://support.cashflow.io/faq?hsLang=en)

[![Chill listening crop-3](https://support.cashflow.io/hs-fs/hubfs/cropped-favicon-32x32-2.png?width=24&height=24&name=cropped-favicon-32x32-2.png "Chill listening crop-3")](https://cashflow.io)

Cashflow.io - Support Center

Copyright © 2025, Cashflow.io