Referrals your risk team can sign off on
Give-$25-get-$25 works — until fake accounts farm it. ReferralFlo screens every referral through five fraud layers and writes every action to an audit log, so growth and risk stop arguing.
Your best new accounts come from members telling friends. Your worst come from fraud rings farming the same bonus. Most referral tools can't tell the difference, so risk kills the program.
From an invite to an approved reward
Each step shows the human moment — and what ReferralFlo records beneath it.
“Every referral came with a risk score and an audit trail our team could actually read. That's what got the program approved internally.”
The approvals queue risk asked for
Converted referrals line up with rewards attached and fraud checks visible. Approve, reject, or bulk-clear, with the audit log recording every decision.
Is this the right fit for your team?
The details that make it dependable
Every referral scored before rewards move.
Unnatural referral bursts slowed and surfaced.
Each referral tied to the device behind it.
Manual review, bulk approval, full audit trail.
Advocate, referral and reward actions, recorded.
Growth configures; risk reviews; scoped by role.
Push referral events into your risk pipeline.
Stripe, PayPal, Tremendous, with status per reward.
Common questions
How does ReferralFlo prevent referral bonus abuse?
Every referral passes five fraud layers: bot detection, device fingerprinting, IP and duplicate checks, velocity rules and a fraud risk level. Rewards can additionally require manual approval, and every action lands in the audit log.
Can our risk team review referrals before payouts?
Yes. Approval requirements are part of reward configuration. Hold everything, hold only flagged referrals, or auto-approve low-risk ones; either way the decision trail is logged.
Can referral data flow into our own monitoring?
Outbound webhooks (with retries and a dead-letter queue) and the REST API push referral lifecycle events wherever your monitoring lives.
Can we run different reward rules by country?
Yes. Reward logic branches by the referred user's region within one program: different amounts, different reward types, or a hold pending verification. That's usually the difference between one compliant global program and three unmanageable ones.
Are bank referral bonuses even legal?
For deposit accounts, yes: the largest US banks run public refer-a-friend programs with fixed rewards and published caps. Product lines with their own rulebooks (mortgages, securities, advice) need keeping out of the reward logic; see our compliance map for banks.
Real programs in this space
Ready to grow with referrals?
Launch your program in days, not months. See it live in a personalized 30-minute demo.