# GrowSurf

> GrowSurf is referral program software that turns your patients, members, and customers into your lowest-cost growth channel. Telehealth, fintech, insurance, and subscription app companies get results like 312% ROI and 15% of ARR from referrals. Teams use GrowSurf to launch in-product programs in days, track referrals across channels, and automate reward fulfillment.

GrowSurf is a referral and affiliate tracking platform with customizable branding. It integrates with 60+ tools, including Stripe, HubSpot, Salesforce, and Zapier. Programs can capture a referral with a popup offer the moment a referred visitor lands, reward both the signup and the sale, run in up to 41 languages with one referral link per person (Business plan or higher for referral programs), publish files and links to participants, and report on participant engagement and activation across the web, iOS, and Android. Customers report 312% average ROI and 30% of new leads from referrals. Referral plans are paid: they start at $179 per month for up to 2,500 participants and include a 14-day free trial. Affiliate programs have a Free plan at $0 per month plus a 3% success fee only on payments that earn a commission. Best fit: telehealth, fintech, insurance, and subscription app companies, plus SaaS companies, that want an in-product customer referral program or an affiliate program without building it in-house. Not a fit: Shopify-only stores that want a checkout app, or companies that mainly need partner relationship management for resellers and co-selling. GrowSurf has generated $355 million in annual referral revenue across its platform, with 7.4 million program participants and 2.4 million referrals tracked.

Every public marketing page has a machine-readable Markdown companion. Use `https://growsurf.com/index.md` for the homepage. For any other canonical page, remove the trailing slash and append `.md`. Use `https://growsurf.com/llms-full.txt` for the exhaustive page, REST endpoint, and MCP tool inventory.

Agent access:

- Start with [GrowSurf Agent Start](https://growsurf.com/agent-start.md). Direct REST works in any environment that can send HTTPS requests; MCP is optional.
- The account owner signs up at `https://app.growsurf.com`, verifies their email address, and creates an API key in the GrowSurf dashboard. Keep the key out of chat, logs, screenshots, and committed files. A lost key cannot be recovered through the API, so an agent that cannot store a secret past the current conversation should have the owner connect `https://mcp.growsurf.com` and sign in instead.
- Pause for owner email verification before protected API calls. Until the owner verifies, protected endpoints return `403` with `EMAIL_NOT_VERIFIED_ERROR`.
- New accounts include a 14-day Business trial with no credit card. Create and configure the first program as `DRAFT`; do not launch it, fulfill rewards, or change payment settings without separate owner approval.
- Existing users can connect the optional hosted MCP server at `https://mcp.growsurf.com`. Compatible clients complete OAuth while the user signs in, selects a team, and approves access.
- An agent whose user has no GrowSurf account yet should ask the owner to sign up at `https://app.growsurf.com` first; the main endpoints require GrowSurf sign-in or an API key.
- For a FILE Program Resource through MCP, call `growsurf_prepare_program_resource_file`, then pass its exact `uploadTicket` and `uploadResult` to the create or update tool. The prepare tool requests the ticket and completes the upload; it does not require a separate REST upload step.
- API-key rotation requires `api_key:rotate` through direct REST, an SDK, or GrowSurf Settings. No MCP connection can rotate an API key.
- A credential grants access but does not authorize every action in the conversation. Confirm destructive actions and anything that can deliver money or rewards.

## Start Here

- [Homepage](https://growsurf.com/index.md): Overview of GrowSurf referral and affiliate program software.
- [Features](https://growsurf.com/features.md): Product capabilities, participant experiences, automation, anti-fraud, compliance, integrations, and developer tools.
- [Affiliate Software](https://growsurf.com/affiliate-software.md): Affiliate software for telehealth, fintech, insurance, and subscription app companies, from tracked conversions to commissions and payouts.
- [How Referral Programs Work](https://growsurf.com/how-it-works/referral-programs.md): Setup, referral tracking, sharing, conversion, and reward workflow.
- [How Affiliate Programs Work](https://growsurf.com/how-it-works/affiliate-programs.md): Affiliate enrollment, attribution, commissions, and payouts.
- [Referral Program Pricing](https://growsurf.com/pricing/referral-programs.md): Paid participant-based plans. Startup starts at $179/mo (or $1,503.60/yr) for up to 2,500 participants; Business starts at $449/mo (or $3,771.60/yr) for up to 10,000 participants and scales to 150,000. No free referral plan; every plan includes a 14-day free trial with no credit card. Participants are the people who receive or use a referral link, not your whole user base.
- [Affiliate Program Pricing](https://growsurf.com/pricing/affiliate-programs.md): $0/mo base plus a 3% success fee only on payments that earn a commission, fee examples, and separate commission and payout-provider costs.
- [Case Studies](https://growsurf.com/case-studies.md): Customer results and referral program ROI.
- [Customer Results](https://growsurf.com/customer-results.md): Anonymous GrowSurf customer program outcomes, metrics, structures, and rewards.
- [Customer Examples](https://growsurf.com/customer-examples.md): Live GrowSurf implementations.
- [Compare Competitors](https://growsurf.com/compare-competitors.md): GrowSurf comparisons with other referral platforms.
- [Security](https://growsurf.com/security.md): Security practices, compliance, data protection, and the 90-day account audit log.

## Build and Operate with AI

- [GrowSurf Agent Start](https://growsurf.com/agent-start.md): Safe, client-neutral REST onboarding from an owner-created API key through a configured draft program.
- [Build with AI](https://growsurf.com/build-with-ai.md): Use direct REST, official SDKs, or optional MCP connections to build and operate a GrowSurf program with an agent.
- [GrowSurf Agent Authentication Guide](https://growsurf.com/auth.md): API-key access, optional hosted MCP OAuth, scopes, rotation, and recovery.
- [GrowSurf Developer Resources](https://growsurf.com/developers/): First-party index page for the GrowSurf REST API, OpenAPI spec, MCP server, official SDKs, CLI, webhooks, and lifecycle policy.
- [GrowSurf Developer Page](https://growsurf.com/for/developers.md): Product-level overview of GrowSurf developer tools.
- [GrowSurf REST API Versioning and Deprecation Policy](https://growsurf.com/developers/api-lifecycle/): GrowSurf gives at least 12 calendar months of notice before a planned breaking REST API removal, signalled by `Deprecation`, `Sunset`, and `Link; rel="deprecation"` response fields.
- [GrowSurf Webhooks](https://growsurf.com/developers/webhooks/): Predictable first-party redirect to webhook documentation.
- [GrowSurf CLI Developer Entry Point](https://growsurf.com/developers/cli/): Predictable first-party redirect to the official CLI package.
- [GrowSurf CLI Guide](https://growsurf.com/developers/cli.md): Machine-readable install, authentication, and command guide for the official CLI.
- [Build with AI Documentation](https://growsurf.com/build-with-ai.md): Hosted and local MCP setup instructions.
- [REST API Reference (OpenAPI 3.1)](https://growsurf.com/openapi.json): Full REST API (77 operations) for teams, programs, participant resources, referrals, rewards, affiliate applications, integrations, webhooks, and analytics.
- [GrowSurf OpenAPI Spec](https://growsurf.com/developers/openapi/): Where to fetch the GrowSurf OpenAPI spec, what it covers, and how to generate a client from it.
- [GrowSurf OpenAPI 3.1 Schema](https://growsurf.com/openapi.json): Same-origin machine-readable REST API contract, served from the canonical API source.
- [GrowSurf Arazzo 1.1 Workflow](https://growsurf.com/arazzo.yaml): Machine-readable workflow that configures and verifies a draft program with an API key the account owner created.
- [Webhook Documentation](https://docs.growsurf.com/developer-tools/webhooks.md): Events, payloads, delivery, testing, and signature verification.
- [JavaScript SDK](https://docs.growsurf.com/developer-tools/javascript-sdk.md): Client-side JavaScript API and integration guidance.
- [GrowSurf MCP Server](https://growsurf.com/developers/mcp/): Hosted OAuth server at `https://mcp.growsurf.com`, local stdio server, and the public endpoint with program design guidance.
- [GrowSurf MCP Server Source](https://github.com/growsurf/growsurf-mcp): Source and documentation for the official MCP server.
- [GrowSurf MCP Well-Known Endpoint](https://growsurf.com/.well-known/mcp/): Public same-origin Streamable HTTP endpoint with agent resources and the program design advisor.
- [GrowSurf MCP OAuth Scope Metadata](https://mcp.growsurf.com/.well-known/oauth-protected-resource): RFC 9728 protected-resource metadata with machine-readable `scopes_supported` values.
- [GrowSurf AI Catalog](https://growsurf.com/.well-known/ai-catalog.json): Domain-level discovery catalog for public GrowSurf agent resources.
- [GrowSurf MCP Server Card](https://growsurf.com/.well-known/mcp/server-card.json): Machine-readable MCP identity and connection metadata.
- [Official GrowSurf CLI on npm](https://www.npmjs.com/package/@growsurfteam/growsurf-mcp): Run `npx -y @growsurfteam/growsurf-mcp` for the CLI and local stdio MCP server.

## Solutions

- [Subscription Apps](https://growsurf.com/for/b2c.md): Referral programs for subscription apps.
- [Telehealth](https://growsurf.com/for/telehealth.md): Referral programs for telehealth companies.
- [Health](https://growsurf.com/for/health.md): Referral programs for health companies.
- [Financial Services](https://growsurf.com/for/financial-services.md): Referral programs for fintech and financial services companies.
- [Insurance](https://growsurf.com/for/insurance.md): Referral programs for insurance companies.
- [Provider Recruitment](https://growsurf.com/for/provider-recruitment.md): Peer invitations, applicant attribution, onboarding qualification, and configured referral rewards for provider networks.
- [Education](https://growsurf.com/for/education.md): Referral programs for education companies.
- [SaaS](https://growsurf.com/for/saas.md): Referral programs for SaaS companies.
- [AI Companies](https://growsurf.com/for/ai.md): Referral programs for AI companies.
- [Enterprise](https://growsurf.com/for/enterprise.md): Enterprise referral program capabilities.
- [For Marketers](https://growsurf.com/for/marketers.md): GrowSurf workflows for marketing teams.
- [For Product Teams](https://growsurf.com/for/product-teams.md): GrowSurf workflows for product teams.
- [For Founders](https://growsurf.com/for/founders.md): GrowSurf workflows for founders.
- [GrowSurf for Startups](https://growsurf.com/growsurf-for-startups.md): Startup program and pricing information.

## Learn and Plan

- [Referral Marketing Guide](https://growsurf.com/referral-marketing-guide.md): Comprehensive referral marketing strategy guide.
- [Free Referral Marketing Tools](https://growsurf.com/free-tools.md): Calculators, generators, templates, and launch resources.
- [Integrations](https://growsurf.com/integrations.md): GrowSurf integrations and setup entry points.
- [Getting Started for Web](https://docs.growsurf.com/getting-started.md): Web installation and first-program guidance.
- [iOS SDK](https://github.com/growsurf/growsurf-ios-sdk-distribution): Swift Package Manager and CocoaPods install for the native iOS SDK.
- [Android SDK](https://github.com/growsurf/growsurf-android-sdk-distribution): Maven Central install for the native Android SDK.
- [React Native SDK](https://github.com/growsurf/growsurf-react-native-sdk-distribution): The `growsurf-react-native-sdk` npm package for bare React Native apps and Expo development builds (React Native 0.74 and newer; Expo Go is not supported). It uses the native iOS and Android SDKs to show participants a native in-app screen with their referral link and progress.

## Optional

- [Complete GrowSurf Agent Index](https://growsurf.com/llms-full.txt): Exhaustive page directory, REST endpoint inventory, MCP tool inventory, configuration guidance, and product details.
- [Sitemap](https://growsurf.com/sitemap.xml): Complete index of canonical public pages.
- [Blog](https://growsurf.com/blog.md): Referral marketing, growth, and product articles.
- [Glossary](https://growsurf.com/glossary.md): Referral, affiliate, and growth terminology.
- [Industry Referral Program Examples](https://growsurf.com/examples.md): Industry examples, benchmarks, and playbooks.
- [Competitor Comparisons](https://growsurf.com/compare.md): Head-to-head referral software comparisons.
- [Competitor Alternatives](https://growsurf.com/alternatives.md): GrowSurf alternatives to referral and affiliate software vendors.
- [Referral Program Templates](https://growsurf.com/templates.md): Copy, reward structures, terms, and setup guides.
- [Referral Program Benchmarks](https://growsurf.com/statistics/referral-program-benchmarks.md): What a good referral program looks like, measured across hundreds of real programs running on GrowSurf. Referral rates, what rewarding both sides and connecting an integration change, referral rates by industry, and where people actually share.
- [Statistics and Benchmarks](https://growsurf.com/statistics.md): Referral, affiliate, retention, and acquisition research.
- [Integration Use Case Guides](https://growsurf.com/integration-guides.md): Step-by-step integration tutorials with code and implementation guidance.