What is a P2P payment?

by Ralitsa Petkova

Last updated: 01-Jun-2026

A Peer-to-Peer (P2P) Payment allows a Manager to redirect payments that would normally be made to one affiliate and instead transfer them to another affiliate account. The recipient affiliate does not need to be related to the source affiliate.

When a P2P payment is configured, the system will transfer the source affiliate's payable balance to the designated recipient affiliate during the payment process.

A P2P payment is triggered when:

• The source affiliate is eligible for payment.
• The source affiliate has a carried balance greater than zero.

When these conditions are met, the entire carried balance of the source affiliate is transferred to the designated recipient affiliate.

An affiliate configured with a P2P recipient does not need to have a payment method defined.

If payment details are configured on the source affiliate account, they will be ignored during payment processing. Instead, the system will follow the P2P payment rules and transfer the funds to the recipient affiliate.

To set up a P2P payment, navigate to:
Admin → Affiliate Dashboard → Profile → Account Profile
Here, enter the recipient affiliate's ID in the Peer to Peer Transfer Affiliate ID field.

Once configured, the system will automatically redirect all payment transactions from the source affiliate to the affiliate specified in the Peer to Peer Transfer Affiliate ID field.
 

It is during the End of Month (EOM) procedure that P2P transactions are generated.
For the source (sender) affiliate, the transaction will be recorded as a “P2P Payment Out”.
For the recipient affiliate, the corresponding transaction will be recorded as a “P2P Payment In”.