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Find out how referrals work

A summary of our current paid referral program

Updated: September 25, 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 Bolivia, the Dominican Republic, Ecuador, Guatemala, Mexico, Paraguay, and Peru.

View information on the Colombian program here.

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, within 30 days of signing up they need to do at least one of these: spend at least 50 USD with their Morse Card on qualifying purchases*, or receive at least 250 USD in cumulative qualifying deposits* to their USD Account Details.

  4. We’ll add your reward directly to your Morse Balance within 48 hours of them completing the task!

See how much you could earn. You get one reward (up to 200 USD) per person you invite who completes a task, and the person you invite earns their own reward too.

You can receive up to ten random referral rewards total across our previous referral program and this program. After earning ten random referrals, we'll pay you a flat 10 USD for every person you invite, so you can keep spreading the word!

If the person you invite doesn’t join Morse or doesn't complete the qualifying action within 30 days of signing up, neither of you will get a reward.

Terms and conditions (if you've been invited)

This program is currently available in Bolivia, the Dominican Republic, Ecuador, Guatemala, Mexico, Paraguay, and Peru.

How it works

  1. You'll receive 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, using the same phone number.

  4. Within 30 days of signing up: spend at least 50 USD with your Morse Card in qualifying purchases*, or receive at least 250 USD in cumulative qualifying deposits to your USD Account Details.

When you qualify, we add your reward straight to your Morse Balance within 48 hours! You'll receive 5 USD for qualifying Morse Card spending, 10 USD for qualifying USD deposits, or 15 USD if you do both.

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 card payment or USD deposit

We won't share any other information.

* Purchases and deposits that don't qualify

  • Payments from your own accounts elsewhere, including crypto exchanges

  • Transfers between Morse accounts or to non-USD Account Details

  • Deposits from neobanks, such as Arq or Plasma

  • Payments from a business you own, control or direct, either on your own or with others

  • Refunds, reimbursements, rebates, chargebacks, or payments later reversed, returned, or disputed

  • Loan, insurance, tax, or investment payouts

  • For spending on Morse Card, most everyday purchases qualify. The following merchant categories are excluded, including any merchants related to these categories:

    • Gaming and in-app purchases

    • Gift cards

    • Betting and gambling

    • Casinos

    • Financial apps and services

    • Spending at Wompi, Bold, ePayco, Contreras Tech, OpenPay, Whop, PayPal, AstroPay, Airbnb, Global Co, Edupacks, and Lucid Trading

  • Transactions that we deem were arranged primarily to trigger a referral reward, rather than to buy goods or services

Referral rewards are for introducing Morse to people who'll use it. Morse reserves the right to cancel rewards, withhold pending rewards, modify the qualifying actions, and remove your access to paid referrals if we suspect fraud, abuse, or other activity that violates these terms or our policies. This includes, but is not limited to, distributing your link in bulk, posting it on sites set up to earn rewards or trade referral codes, controlling the accounts you invite, or coordinating with others to claim rewards for accounts that won't be used. Morse also reserves the right to suspend or end this promotion at any time, without notice.

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