Refer a Business. Earn Up to $250.
Share a business. Help them save. You get rewarded.
What Is the PCBancard Referral Program?
Earn up to $250 every time you refer a business
They save money. You earn money. Everyone wins.
You can even donate your commission to a cause
Who Can Participate?
Business owners
Community leaders
Social media influencers
Nonprofits, coaches, or local organizers
Referral Payout Chart
Payouts issued after $5,000 in activation volume.
How to Refer
Fill out the official Referral Agreement
Include business details (name, contact info)
Use the "Additional Payee" section for charities or partners
We handle the rest. You get paid.
What's the "Additional Payee"?
Donate funds to a nonprofit or community cause
Reward a social promoter, marketing partner, or team member
Track grassroots campaigns or telemarketing efforts
Turn every referral into a donation or shared reward.
Real World Example
I referred a local gym, and they saved $12,000 a year. I earned $250, which I donated to my kid's Little League team. Now they want to refer others!
Why Merchants Love It

It's easy

It helps the community

It creates passive income

It makes them feel like a hero
Microsite Bonus
A personalized referral microsite
A VSL (video sales letter) with their message
A simple shareable link for texting, social media, or Messenger
Program Essentials
Referral must activate and process $5K+
One-time commission, per location
W-9 required if you earn $600+
Referral is good for 6 months
Get Started
Download the Referral Agreement
Join the PCB Facebook group
Contact your rep to get your personalized microsite
Turning Referrals Into Residuals
Teach your reps how to pitch the referral program as a high-impact, low-friction way for businesses to earn or give — while making you look like a trusted advisor.
At some point in time the value you receive from me will equal more than the investment, at that time is it OK for me to ask you for some Introductions?
When you setup the introduction ask the merchant, "Do you think they would rather have a cold call from me or a warm introduction from you?"
Then use the S.O.D.A.R. method:
S: Situation
I see you and I in a similar situation (30-Second Commercial Concept) both of us have been frustrated with... concerned about... under pressure because...
O: Opportunity
I have/had an opportunity to work with ______, who is ______.
D: Decision
I made a decision to work with ______, because I believe he/she/they could help me with... (Pain bullets from above).
A: Advice
After working with ______ for ______ (define time frame if any) I've been thinking/following his/her/their advice and I'm seeing...
R: Results
(Adjective) results. So far I've seen (specifically define results.) I know that if not for ______, I would not be having these results.
(Declarative Parental Tone) You should talk with ______.
(The Question) Are you open to having a conversation with ______?
Psychology #1 – Reciprocity
Hook: People feel the need to return favors
Pitch: "Let me give you a free idea to help your business. If it works, maybe you'll refer someone and earn $250."
Training Tactic: Teach agents to offer upfront value before asking
Psychology #2 – Social Proof
Hook: People follow the success of others
Pitch: "Another business just like yours referred a friend and earned $250 last week. Want to do the same?"
Tactic: Use mini stories and soft leaderboards
Psychology #3 – Scarcity & Urgency

Hook: Fear of missing out
Pitch: "We're still paying $250 per referral — but that might change. Who do you know we should talk to this week?"
Tactic: Mention limited-time boosts
Psychology #4 – Altruism
Hook: People want to feel like helpers
Pitch: "Know someone struggling with fees or cash flow? You can be the one who changes that — and we'll thank you with $250."
Tactic: Emphasize being a "hero"
Psychology #5 – Identity Reinforcement
Hook: People behave in ways that match their identity
Pitch: "You seem really connected — that's why I thought you'd be perfect for our referral program."
Tactic: Use flattery and personalized compliments
Psychology #6 – Simplify the Ask

Hook: Make it easy to say yes
Pitch: "Just give me a name — I'll take it from there. If it closes, you get $250."
Tactic: Frame it as "just a name," not a big favor
Psychology #7 – Everyone Wins

You win
Earn rewards for simple referrals

Your friend wins
They save money on processing

Community wins
Support local causes with donations
Pitch: "You win, your friend wins, and I get to help another business. Let's grow together."
Tactic: Emphasize win-win-win triangle
Psychology #4 – Altruism
Hook: People want to feel like helpers
Pitch: "Know someone struggling with fees or cash flow? You can be the one who changes that — and we'll thank you with $250."
Tactic: Emphasize being a "hero"
Practical Training Tools
• Role-playing scenarios (skeptic, influencer, altruist)
• Referral script cheat sheet
• Leaderboard or contest for most referrals
• Pain points list: fees, customer churn, slow deposits
• Follow-up templates for thank-yous and re-engagement
Psychology #5 – Identity Reinforcement
Hook: People behave in ways that match their identity
Pitch: "You seem really connected — that's why I
Final Thoughts
This referral program is more than a bonus — it's a relationship-building machine. Train your team to:
1
Give value before they ask
2
Keep it simple and emotional
3
Be consistent and always follow up