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Find out how referrals work

A summary of our current paid referral program

Updated: July 10, 2026

Terms and conditions (if you're inviting people)

To earn a reward for inviting people to Morse, you need to be a user with access to paid referrals. To check if you're eligible, tap 'Invite' on the home page of your app. This program is currently available in the United States, Mexico, and Colombia.

We may offer paid referrals to different groups of users at different times, such as users who:

  • have recently signed up

  • have had a Morse account for a certain amount of time

  • live in certain countries

  • have done certain types of transactions recently

Or a combination of the above.

How it works

  1. Share your invite link with someone who hasn't used Morse before.

  2. They open the link, enter their phone number, and complete sign up to Morse (using the same phone number) within 14 days of entering their number.

  3. To qualify, they need to activate a Morse Card and make 1 qualifying transaction of at least 5 USD (or the equivalent amount in any currency) within 14 days of signing up. Certain transactions like money transfers, gift cards or gambling do not count towards the reward.

  4. We'll add your referral reward directly in your Morse Wallet. The amount is randomly allocated based on these chances. The person you invite gets the same reward amount as you.

You can receive up to three referral rewards total across our previous referral program and this program. After that, you can still invite people, but you won't receive a reward.

If the person you invite doesn't join Morse and complete a qualifying Morse Card transaction of at least 5 USD within 14 days, neither of you will get a reward.

Terms and conditions (if you've been invited)

This program is currently available in the United States, Mexico, and Colombia.

How it works

  1. You'll get an invite link to join Morse.

  2. Accept the referral by entering your mobile phone number.

  3. Download the app and sign up for Morse.

  4. Within 14 days of signing up, activate a Morse Card and make 1+ transactions of at least 5 USD (or the equivalent amount in any currency). Certain transactions like money transfers, gift cards, or gambling do not count towards the reward.

When you qualify, you get a reward (the same amount the person who invited you got) added directly to your Morse Wallet.

We'll share some information about your progress with the person who invited you. This could include that you've:

  • Accepted their referral by entering your mobile number

  • Started the signup process

  • Completed the signup process

  • Completed a qualifying Morse Card transaction

We won't share any other information.

Morse reserves the right to modify, withhold or cancel referral rewards, or to suspend or end this promotion at any time, including if we suspect fraud, abuse, or other activity that violates these terms or our policies.

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