ChatGPT answers, unedited

Yes. For a small agency managing referral programs for multiple clients, I’d focus on platforms that have both true multi-client/tenant management and white-labeling, rather than just a referral tool that lets you create multiple campaigns.

Best fits

My first choice would be Refgrow. It explicitly markets itself to agencies: one agency account can manage multiple client projects, each with its own affiliates, settings, analytics, payment integration and commission rules. It also supports custom domains, logos, colors and fonts, so the client-facing experience can carry your agency/client branding rather than Refgrow's. refgrow.com

Rekomi is particularly interesting if your clients call these programs "affiliate" or "partner" programs rather than purely customer referrals. It describes its architecture as multi-tenant, with isolated client organizations, per-client billing, RBAC and white-labeling on its Pro plan. rekomi.com

Icodrip is worth considering if you're likely to have ~5–10 clients. Its agency offering specifically provides an organization switcher, separate client programs/settings, white-label portals and aggregate agency analytics, with up to 10 organizations on the agency plan. icodrip.com

SaaSquatch is the heavyweight option. It supports highly customized referral/partner programs, branded microsites, automated rewards, APIs and team permissions, but it's much more oriented toward sophisticated/enterprise implementations than a lean agency operation. www.saasquatch.com

What I'd choose for your agency

If your model is:

You → 10–50 clients → each client gets their own referral program → you manage everything centrally → clients see your branding

I'd shortlist Refgrow and Rekomі first.

If you tell me roughly how many clients you manage, whether these are customer-referral or affiliate programs, and whether you need Stripe/Shopify/etc. integrations, I can narrow it down to the 2–3 best options and compare pricing, white-label depth, client portals, payouts, API, and margins.

For a small agency managing multiple clients’ referral programs, you’ll want more than a normal referral tool. Look for:

• Multi-tenant / multi-client management (separate client workspaces)
• White-label portals (your brand or your client’s brand)
• Custom domains
• Client permissions / reporting
• Centralized agency dashboard
• Separate billing or payout tracking

A few platforms that fit this model:

My shortlist for a small agency:

1. Refgrow — probably the closest match if you’re selling “managed referral programs” as a service. It is explicitly built around agencies managing client programs from one account. refgrow.com
2. HeldSway — worth considering if you expect many clients and want stronger agency workflows (roles, client separation, centralized billing). heldsway.com
3. Referly — simpler option if your clients mostly need straightforward referral tracking rather than a full partner ecosystem. referlyapp.co

A few questions would narrow this down:

• Are these customer referral programs (customers refer friends) or affiliate/partner programs (creators, influencers, resellers)?
• Do you need the platform to be fully invisible under your agency brand, or is client-branded enough?
• Roughly how many client programs do you expect to manage (5, 20, 100+)?

For a small agency managing multiple clients’ referral programs, you’ll want a platform with:

• Multi-tenant / multi-client accounts (one login, separate client workspaces)
• Full white-labeling (your domain/logo/branding, or each client’s branding)
• Client-level reporting
• Role-based access for your team and clients
• Custom billing/reselling options if you package referral management as a service

Some platforms that fit this model:

My shortlist for a small agency

1. Refgrow — probably the closest match if your service is “we manage referral programs for clients.” It is explicitly built around agencies, white-label dashboards, and separate client projects. Refgrow
2. Referly — stronger if you want to resell the platform under your own commercial model (your pricing, your branding, client billing). Referly
3. HeldSway — worth considering if you expect to grow into dozens of client programs and need team permissions and portfolio management. HeldSway

A few questions would narrow this down:

• Are your clients mostly SaaS/ecommerce brands (affiliate-style referrals) or B2B service companies (partner introductions)?
• Do clients need to log in and see their own dashboards, or do you handle everything and just send reports?
• Roughly how many client programs do you expect (5, 20, 100+)?

Yes. For a small agency managing referral/affiliate programs for multiple clients, I’d focus on platforms that are genuinely multi-tenant + white-label, rather than ordinary affiliate software that merely lets you invite your agency as a user.

Best fits

My shortlist for you

1. Refgrow — probably the easiest fit.
It specifically markets itself to agencies: one account, separate client projects, centralized analytics, client-specific branding, custom domains, and role-based access. It also supports separate payment providers per client. refgrow.com

2. Referly — strongest if you're building this into a service offering.
Its agency setup is explicitly designed around running multiple client programs under your agency's brand, including your domain, emails, pricing, and billing. It currently advertises up to 60 client programs on its larger agency plan. www.referly.so

3. Trackdesk — worth considering for more complex programs.
It gives each client an isolated workspace while allowing your team to switch between clients, and offers white-labeled partner portals under your agency domain. It also supports CPA, CPL, CPS, RevShare, recurring, tiered and multi-level commission structures. trackdesk.com

4. HeldSway — particularly interesting for an agency model.
It supports multiple programs under one workspace, per-client branding, granular roles, and a single agency invoice. Its agency/custom plans are explicitly designed around avoiding separate software subscriptions for every client. heldsway.com

One important distinction

If by "referral programs" you mean customer referral programs—e.g. refer a friend → both people get $50—I'd narrow the list differently.

If you mean affiliate/partner programs—e.g. client has 50 influencers/partners who earn 20% commission—the options above are much more relevant.

For a small agency, I'd personally demo Refgrow + Referly + Trackdesk first and compare:

• number of clients included
• whether each client gets its own domain
• whether clients can log in without seeing your other clients
• whether you can bill clients under your own agency
• Stripe/payment-provider separation
• commission/payout handling
• API/webhooks
• migration/import capability
• total cost as you go from 5 → 10 → 25 clients

If you tell me roughly how many clients you manage (e.g. 5, 10, 25) and whether these are SaaS, ecommerce, or service businesses, I can narrow this to the 2–3 best platforms and compare their actual pricing/features.

Yes. If by “referral programs” you mean affiliate/referral tracking for your clients, there are several platforms now explicitly targeting agencies.

My shortlist

Refgrow looks particularly aligned with what you described: it explicitly supports unlimited client projects, separate settings/affiliates/analytics per client, a centralized agency dashboard, custom domains, branding, and role-based access. refgrow.com

Referly is worth a close look if you want to resell the software under your own agency brand. Its agency mode includes client programs, custom domains, white-label dashboards/emails, client billing, and agency team management. www.referly.so

Rekomi is another strong option if your clients are primarily SaaS companies. It is designed as a multi-tenant workspace, with isolated client organizations, role-based permissions, per-client branding, and white-labeling on Pro. www.referly.sorekomi.com

HeldSway is interesting if your business model is “one agency account → many client programs → one vendor invoice.” It offers per-client white-labeling, program-level permissions, and a portfolio-wide dashboard. heldsway.com

What I'd pick for a small agency

I'd start by comparing Refgrow vs Referly vs Rekomi.

The important distinction is whether you want:

• You manage everything: Refgrow
• You resell it as your own SaaS/service: Referly
• More sophisticated SaaS partner-program management: Rekomi

I'd avoid choosing based purely on “white-label” because some platforms only white-label the affiliate-facing portal, while others white-label the agency dashboard, client portal, emails, domains, and billing experience.

If you tell me how many clients you have (e.g. 5, 20, 50), whether they're SaaS/e-commerce/local businesses, and whether you need Stripe/Shopify integrations, I can narrow this to the best 2–3 options and compare actual pricing/features.

Yes. For an agency managing multiple clients’ referral/affiliate programs, I’d shortlist these:

My picks

1. Refgrow — probably the easiest starting point.
It explicitly supports agencies: one account, multiple client projects, separate affiliate portals/settings, custom domains, white-label branding, centralized analytics, team roles, and API access. refgrow.com

Refgrow for Agencies

2. Referly — strongest if you want to turn the platform into your own SaaS/service.
Its Agency Mode lets you white-label the dashboard, use your own domain, create isolated client programs, manage clients centrally, control features by client, and even set your own client pricing/billing. Current published pricing says the Agency plan supports up to 10 client accounts, while another agency offering describes higher-volume tiers. www.referly.so

Referly Agency Platform

3. HeldSway — worth looking at if your agency has a team.
It was specifically designed around agencies: multi-client workspaces, per-client branding/domains, granular roles, one agency-level invoice, and a portfolio-wide dashboard. heldsway.comtrackdesk.com

HeldSway for Agencies

4. Trackdesk — better if your programs are becoming operationally complex.
It offers isolated client workspaces, separate commissions/affiliate data, client-specific reporting, and white-label partner portals under your agency's domain. trackdesk.com

Trackdesk for Agencies

What I'd choose for a small agency

If your model is “we manage referral programs for 5–30 clients and want the client to feel like they're using our platform”, I'd start with Refgrow vs. Referly.

The important distinction is:

• Refgrow: better if you primarily want a tool your team operates for clients.
• Referly: better if you want to resell the technology under your own brand, control client pricing, and potentially make the software itself part of your recurring revenue.
• HeldSway: interesting middle ground if internal team permissions and client isolation are especially important.

If you tell me roughly how many clients you manage, whether they're mostly SaaS/ecommerce/services, and whether you need affiliate recruitment + payouts or just referral tracking, I can narrow this to the best 2–3 platforms and compare their actual pricing, integrations, and white-label limitations.

Yes. If you’re a small agency running referral/affiliate programs for multiple clients, I’d focus on platforms that have true multi-client/agency workspaces + white-labeling, rather than ordinary affiliate software where you create separate accounts.

My shortlist

🥇 I'd start with Referly

Referly is unusually well aligned with exactly what you're describing. Its Agency plan is explicitly designed for reselling the platform to clients: you get 15 isolated affiliate programs, a central admin dashboard, custom branding/domain, unlimited team members, and the ability to create your own client pricing. www.referly.sowww.referly.so

The interesting part for an agency is that you can make it look like your software:

• Your logo/brand
• Your admin domain
• Client-specific affiliate portals
• Separate client data/programs
• Central management across clients
• Your own pricing to clients
• Client feature controls
• Built-in client billing

Referly currently lists its Agency plan at $299/month, with 15 programs. www.referly.sowww.referly.so

🥈 HeldSway is worth looking at

HeldSway looks particularly interesting if client isolation and agency operations are more important than simply having a white-label affiliate portal.

It offers separate workspaces for each client, per-client branding/custom domains, role-based permissions, a portfolio-wide dashboard, and centralized agency billing. Those agency features are on its Custom plan. heldsway.com

🥉 affixo if cost/scale matters

affixo is another one I'd test. Its agency offering gives you a super-admin console, isolated accounts for clients, white-label portals, and no transaction fee on client revenue. Current plans advertise 3 client accounts on Growth, 10 on Scale, and 25 on Max. www.affixo.dev

One important distinction: if by "referral programs" you mean customer referral programs (e.g. "refer a friend and get $50") rather than traditional affiliate programs, I'd narrow the list differently. The tracking, rewards, CRM integrations, and client UX requirements can be quite different.

If you tell me (1) number of clients, (2) whether they're SaaS/e-commerce/local businesses, (3) Stripe/Shopify/etc., and (4) whether clients need their own login, I can give you a 3-platform comparison with pricing, white-label depth, integrations, and which I'd choose for your agency.

Yes. For a small agency specifically managing multiple clients’ referral/affiliate programs, I’d shortlist these:

My pick: Refgrow

For your use case, Refgrow looks like the cleanest fit. It explicitly supports agencies managing multiple client referral programs, with a centralized dashboard, separate client projects, client-specific branding, custom domains, role-based access, reporting, and separate payment/commission settings. refgrow.com

The particularly useful part is that each client can be isolated as its own project while your team manages everything from one agency account.

Referly is probably the strongest alternative if your business model is “we provide the referral platform as a service and charge our clients for it.” Its Agency offering includes white-labeling, custom domains, multi-client management, feature controls, and built-in client billing. www.referly.so

One thing I'd investigate before choosing: whether you need referral programs, affiliate programs, or both. Some platforms use those terms interchangeably, but their tracking, payout, fraud prevention, and reward logic can be quite different.

If you tell me roughly how many clients you manage (e.g. 5, 20, 100) and whether they're mostly SaaS, ecommerce, or local businesses, I can narrow this to the 2–3 best options and compare pricing, white-label depth, integrations, and margins.

Yes. If you’re a small agency managing referral/affiliate programs for multiple clients, I’d shortlist these:

My top picks

1. Referly — probably the closest match

Referly has an explicit Agency Mode: you can create separate client programs, white-label the dashboard, use your own domain, manage clients from one admin interface, invite team members, and even create your own pricing plans/bill clients. Its current Agency plan is listed at $299/month for up to 15 affiliate programs. www.referly.so

The particularly interesting part for an agency is that you can effectively resell the software as your own referral platform, rather than merely getting an agency login.

2. Refgrow — best if you want lots of clients

Refgrow is explicitly designed around agencies: one agency account, separate projects per client, centralized analytics, custom branding/domains, separate commission rules and payment integrations, and unlimited projects according to its agency page. refgrow.com

That makes it attractive if you're expecting to go from, say, 5 clients → 20–50 clients.

3. HeldSway — best operationally

HeldSway is interesting if you're going to have multiple people on your agency team. It provides a portfolio-wide dashboard, isolated client programs, per-client white-labeling, and granular roles such as owner/admin/manager/viewer/designer. It also says the agency is billed centrally on its Custom plan. www.referly.soheldsway.com

4. affixo — worth looking at for a lean agency

affixo gives agencies isolated client accounts, white-label portals and a super-admin console. Its current structure includes 3 client accounts on Growth, 10 on Scale, and 25 on Max, which is a pretty straightforward model for a smaller agency. www.affixo.dev

What I'd choose

If your model is:

“We run referral programs for clients as a managed service, and we want clients to see our brand rather than the underlying software.”

I'd start with Referly and Refgrow, then compare them on:

1. True white-labeling — custom domain, emails, affiliate portal, dashboard
2. Client isolation — affiliates/data/payouts can't cross between clients
3. Agency → client permissions
4. Whether clients can log in themselves
5. Per-client Stripe/payment connections
6. Your ability to mark up the software
7. API/webhooks
8. Fraud detection and payout management
9. Pricing as you reach 10, 25, 50+ clients

One important distinction: white-labeling the affiliate portal isn't necessarily the same as white-labeling the entire agency/client experience. If you want your agency to effectively look like it built its own referral SaaS, Referly is particularly compelling because it explicitly supports your own branding, domain, client programs, feature controls, and client billing. www.referly.so

If you tell me roughly how many clients you manage now (e.g. 5, 20, 50) and whether they're mostly SaaS, ecommerce, or local businesses, I can narrow this down to the best 2–3 platforms and compare actual pricing/features for your agency model.

Yes. If your agency needs to run referral/affiliate programs for multiple clients under your own brand, there are a few platforms that stand out.

1. Refgrow — my first choice

Refgrow is unusually well aligned with your use case. It explicitly supports agencies managing multiple client referral programs, with a centralized agency dashboard, separate client projects, client-level settings/analytics, custom domains, and white-label branding. refgrow.com

You could essentially structure it as:

Your Agency
→ Client A referral program
→ Client B referral program
→ Client C referral program
→ Client D referral program

Each client gets its own affiliates, commission rules, portal, payment integration, and reporting while your team manages everything centrally. refgrow.com

Refgrow agency platform

2. Referly — strongest if you want to resell it

Referly's Agency Mode is specifically designed for this model. You can white-label the platform, use your own domain, create isolated client programs, control features per client, add team members, and even set your own pricing and bill clients through the platform. www.referly.so

The current Agency offering advertises up to 15 client affiliate programs, with a $299/month listed price on its site. www.referly.so

Referly Agency

3. affixo — interesting for margin-conscious agencies

affixo specifically positions itself around agencies running isolated programs for multiple clients, with a super-admin view, white-label portals, and no percentage taken from client revenue. Its plans include different numbers of client accounts. www.affixo.dev

affixo agency solution

4. HeldSway — worth considering for a larger operation

HeldSway is built around a multi-client agency workspace: separate programs, per-client branding/subdomains, role-based permissions, centralized reporting, and one invoice for the agency. heldsway.com

HeldSway for agencies

What I'd choose

For a small agency today, I'd shortlist:

Refgrow → Referly → affixo

I'd lean Refgrow if your primary goal is "we manage referral programs as a service for our clients." Its agency architecture is almost exactly that use case.

I'd choose Referly instead if you want to turn the software itself into a resold/white-label product, where your agency sets client pricing and potentially creates recurring SaaS-like revenue on top.

One important distinction: if by "referral programs" you mean customer referral programs (e.g. "refer a friend, get $100") rather than affiliate/partner programs, the best choice can change considerably.

Yes. If you're specifically looking for referral/affiliate-program software that your agency can operate across multiple clients and white-label, there are several good fits.

My shortlist

1. Refgrow — probably the closest match for a small agency.
It explicitly supports agency accounts, multiple client projects, separate settings/affiliates/analytics, custom domains, white-label dashboards, role-based access, and centralized reporting. refgrow.com

Refgrow agency platform

2. Referly — strongest if you want to turn this into a white-label SaaS offering.
Its Agency Mode lets you create isolated client programs, white-label the dashboard and affiliate portals, use custom domains, control client features, and even bill clients through your own pricing plans. It currently says Agency Mode supports up to 15 client programs. www.referly.so

Referly Agency Mode

3. HeldSway — worth considering if operational/client permissions matter.
It has a multi-program workspace, per-client branding, client-specific subdomains, granular roles, and a portfolio-wide dashboard. That's particularly attractive if you have account managers handling different clients. heldsway.comtrackdesk.com

HeldSway for agencies

4. Trackdesk — better if your clients have sophisticated affiliate programs.
It offers isolated client workspaces, separate tracking/commissions/affiliates, client reporting, and a single agency account. It also advertises 900+ integrations. trackdesk.com

Trackdesk for agencies

What I'd choose

For a small agency managing, say, 5–30 client referral programs, I'd start with Refgrow vs. Referly.

• Want to simply manage programs for clients? → Refgrow
• Want to sell the software/service under your own brand and charge clients recurring fees? → Referly
• Need sophisticated team permissions and client-by-client workspaces? → HeldSway
• Need enterprise-level affiliate tracking/integrations? → Trackdesk

One important distinction: "white-label" isn't always the same thing as "multi-tenant." I'd specifically verify that each client gets isolated data, their own branding/domain, separate referral tracking, and that your agency has a super-admin view across all clients.

If you tell me roughly how many clients you manage, whether they're mostly SaaS/e-commerce/local businesses, and whether you want to resell the software under your own brand, I can narrow this to the best 2–3 options and compare pricing/features.

Yes. For an agency managing multiple clients' referral/affiliate programs under your own brand, there are a few options, but one stands out:

Best fit: Refgrow

Refgrow is specifically positioned for agencies. It offers:

• Multi-client management — manage multiple client programs from one agency account.
• Separate client projects — each client gets separate affiliates, commission rules, settings, analytics, payment integration, and affiliate portal.
• White-label dashboard — clients don't see the Refgrow branding.
• Custom domains and branding — agency/client logos, colors, fonts, and domains.
• Centralized analytics across client programs. refgrow.com

That combination is unusually close to your use case: you sell referral-program management as a service, rather than each client independently buying an affiliate tool.

Also worth considering: UpPromote

UpPromote has strong white-label capabilities: custom domains, branded affiliate pages, and white-label emails. Its Enterprise tier also supports connecting and managing multiple Shopify stores from a central setup. uppromote.com

The catch is that its multi-store functionality is more oriented toward one merchant operating multiple Shopify stores than an agency managing unrelated clients. Its Enterprise pricing currently starts around $199.99/month plus 1% of successful referral sales. uppromote.com

My shortlist

For your exact business model, I'd start with Refgrow. The important distinction is that you're not merely looking for "software that supports multiple programs"; you want agency-level tenancy, client separation, white-labeling, and ideally the ability to resell the platform as part of your service.

If you tell me (1) Shopify/e-commerce vs SaaS/B2B clients, (2) roughly how many clients you manage, and (3) whether clients need their own login/dashboard, I can narrow this down to the best 2–3 platforms and compare pricing, margins, white-label depth, tracking, payouts, and client permissions.

Yes. If your agency is running referral/affiliate programs for multiple clients, rather than just running your own referral program, I'd focus on platforms with agency-level multi-client management + true white-labeling.

Best fits

1. Refgrow — my first choice

Refgrow's agency platform

This is unusually close to your use case. Refgrow explicitly supports multiple client programs from one account, with each client as a separate project. Each project can have its own affiliates, commission rules, payment integration, portal and reporting. It also offers a fully white-labeled dashboard, custom domains, branding and centralized analytics. refgrow.com

That means your agency could effectively sell:

"We manage your referral program"
→ client gets a branded referral portal
→ your team manages all clients from one backend
→ Refgrow remains invisible.

It also supports Stripe, Paddle, Polar, Lemon Squeezy and Dodo Payments, which is useful if your clients use different billing stacks. refgrow.com

2. HeldSway — worth comparing

HeldSway for agencies

HeldSway is explicitly built around the agency model: multiple client programs, per-client white-labeling, role-based seats and one agency-level bill. It's positioned specifically for agencies that don't want to pay for a completely separate platform subscription for every client. The agency features are on its Custom plan. heldsway.com

I'd investigate this one if your biggest concern is maintaining margins as your client count grows.

3. Referly — good if you're starting small

Referly pricing

Referly's Agency offering includes white-labeling, branded platform/domain, multi-client dashboard and client referral reports. The current Agency plan advertises up to 10 client accounts, with an application/approval process. It also charges a 1.5% transaction fee on referral payouts through its Stripe Connect integration. referlyapp.co

What I'd choose

For a small agency managing, say, 3–20 client referral programs, I'd shortlist:

Refgrow → HeldSway → Referly

I'd lean Refgrow if you want the most complete white-label experience and flexibility. I'd lean HeldSway if centralized agency billing and client economics are the priority.

One important distinction: tools like Rewardful, FirstPromoter, etc. are excellent when one company runs its own referral program, but that's different from needing an agency operating system for many independent client programs. For your model, the latter is much more important.

If you tell me roughly how many clients you manage, whether they're mostly SaaS/e-commerce/service businesses, and whether you need Stripe/Shopify integration, I can narrow this to the best 2–3 options and compare actual pricing, white-label depth, client limits, payout handling, and margins.

Yes. For a small agency managing referral programs for multiple clients, I’d prioritize platforms that support separate client workspaces/programs + agency-level administration + white-label branding.

Best fit: Referral Rock

Referral Rock is particularly well aligned with your model.

• Multi-client management: Its Multi-Org Plan is specifically designed for agencies, resellers, franchises, and multi-brand organizations. You can run separate client programs under one account. referralrock.com
• Client data separation: Each organization gets its own program/data, with program-level roles and permissions. referralrock.com
• One login: Your agency team can move between client accounts without maintaining separate logins. referralrock.com
• Branding: Custom domains and branding are supported, and the platform provides branded member portals/notifications. referralrock.com
• Multiple program types: Customer referral, ambassador, and affiliate programs can all be run on the platform. referralrock.com
• Current agency pricing: Multi-Org starts at $1,000/month for 5 partitioned programs, with additional programs priced through their custom terms. referralrock.com

The important distinction

If by white-label you mean:

"Our client logs into a portal that looks like our agency's software, while we manage 10–50 different client referral programs behind the scenes."

I'd specifically ask Referral Rock during the sales call how far their white-labeling extends—custom domain/branding is clearly supported, but that's not necessarily the same as a completely rebranded SaaS experience with your agency name replacing Referral Rock everywhere.

Other platforms I'd consider

My pick for your use case is Referral Rock, particularly because the vendor explicitly supports agencies running separate client accounts under one umbrella. referralrock.com

If you tell me roughly how many clients you manage (e.g. 5, 20, 50+) and whether you need the client-facing dashboard to be completely under your agency's brand, I can narrow this down to the 3 best options and compare pricing, white-label depth, client isolation, Stripe/Shopify integrations, and margins for an agency.

Yes. If you're a small agency managing referral/affiliate programs for multiple clients, I'd shortlist these:

My pick: Refgrow

Refgrow looks particularly aligned with what you're describing. It explicitly supports multiple client projects from one agency account, with separate settings, affiliates, analytics, payment integrations and reporting for each client. It also offers custom domains, branding, role-based access and centralized agency analytics. refgrow.com

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Strong alternative: Referly

Referly is also explicitly designed for agencies. It advertises unlimited client programs, white-label branding, custom domains, client management and the ability to set your own pricing. www.referly.so

urlSee Referly's agency platformturn0search4

If your model is: "We sell referral-program management to Client A, B, C, etc., and each client needs their own branded portal/program while our team manages everything centrally," I'd start by comparing Refgrow vs. Referly.

If you tell me what kinds of clients you have (SaaS, ecommerce, local businesses, B2B, etc.) and roughly how many clients, I can narrow this down and compare pricing, Stripe/Shopify integrations, commission/payout features, custom domains, API access, and client permissions.

Yes. If you're a small agency running referral/affiliate programs for multiple clients, I'd prioritize platforms with true multi-client/tenant management + white-labeling, rather than ordinary affiliate software that merely lets you create multiple campaigns.

Best fits

🥇 I'd start with Referly

Referly's Agency Mode is particularly aligned with what you're describing. It lets an agency create separate affiliate programs for clients, manage them from an agency dashboard, white-label the admin/affiliate experience, use custom domains, add team members, and even create your own pricing plans and bill clients. Their current Agency plan advertises 15 client programs for $299/month. www.referly.so

Referly Agency Mode

🥈 Refgrow

I'd look closely at Refgrow if your clients are predominantly SaaS companies. It explicitly supports an agency model with separate projects, isolated affiliates/settings/analytics, centralized reporting, custom domains, and white-label branding. It also supports Stripe, Paddle, Polar, Lemon Squeezy and Dodo Payments. refgrow.com

Refgrow for Agencies

🥉 LinkJolt

LinkJolt is worth considering if you want a more traditional affiliate/referral-management platform. Its agency setup allows multiple client brands under one account, with isolated affiliates, links, coupons, payouts and branded portals. Professional/Ultimate plans currently charge an additional fee per brand. www.linkjolt.io

LinkJolt for Agencies

One I'd investigate for a small agency: Affixo

Affixo has a particularly interesting pricing architecture: one super-admin account, isolated client sub-accounts, white-label portals, unlimited manager seats, and $12/month per additional sub-account according to its current agency page. www.affixo.dev

Affixo agency platform

If your model is:

“We sell referral-program management as a service, each client gets their own branded portal, and our team manages all clients from one login.”

I'd shortlist Referly, Refgrow, and Affixo first.

If you tell me roughly how many clients you have (e.g. 5, 20, 50), whether they're SaaS/e-commerce, and whether clients need their own login, I can narrow this down to the cheapest/best 2–3 options and compare actual pricing and limitations.

Yes. If you're a small agency managing referral/affiliate programs for multiple clients, I'd prioritize platforms that have true agency/workspace separation + white-label client portals, rather than just a normal affiliate tool with a reseller program.

Best fits

My first two to evaluate would be Refgrow and Referly.

• Refgrow explicitly supports creating separate projects for each client, with separate affiliates, commission rules, payment integrations and analytics. It also offers a white-labeled dashboard, custom domains, branding, centralized agency analytics and role-based access. refgrow.com
• Referly is particularly interesting if you want to resell the software as part of your agency service. Its Agency Mode includes client programs, white-labeling, custom domains, client billing and team permissions. www.referly.so
• HeldSway is worth looking at if you're expecting to grow beyond a handful of clients. Its agency offering is explicitly built around multi-client/multi-program management, per-client white-labeling, roles and centralized billing. heldsway.com
• ERASS looks more enterprise/custom: it supports multiple brands/programs and a permission-based white-label setup, but I'd expect more implementation overhead than the first two. www.erass.com

What I'd choose for a small agency

If your model is:

Agency → 10–30 clients → each client gets their own referral program → you operate everything → client sees their own branded portal

I'd start with Refgrow and Referly.

The key distinction I'd investigate before committing is whether "white-label" applies to the entire client experience, including:

• affiliate/referrer portal
• emails
• tracking links
• domain
• client/admin dashboard
• payout experience
• reporting
• platform branding in support/notifications

That's where many supposedly "white-label" affiliate platforms fall short.

If you tell me roughly how many clients you manage (e.g. 5, 20, 100) and whether these are SaaS/ecommerce/service businesses, I can narrow this to the best 2–3 platforms and compare pricing, white-label depth, Stripe integration, payouts, and client permissions.

If you're running referral programs as a marketing agency rather than a single brand, you want a platform with:

• True multi-client (multi-tenant) management
• White-label branding (your domain, logo, colors)
• Separate data for each client
• Team permissions
• Ability to invoice or resell the service
• APIs/webhooks if you automate onboarding

Here are the strongest options:

If your agency wants to resell referral software

The closest fit today is Refgrow because it was designed around an agency model:

• One dashboard for all clients
• Unlimited client projects
• Custom domains
• Your branding instead of the vendor's
• Separate analytics and settings per client
• Role-based access for your team
• APIs for automating onboarding and management refgrow.com

If you're serving Shopify brands

Consider:

• ReferralCandy
• Smile.io

These are excellent referral platforms but are primarily merchant-centric rather than agency-centric. Managing dozens of clients from a single white-labeled console is more limited.

If you have 20–100+ clients

I'd prioritize these capabilities over individual referral features:

1. Multi-tenant architecture
2. White-label dashboard
3. Custom domains
4. Agency billing/reseller model
5. Client impersonation/support access
6. API and webhooks
7. Role-based permissions
8. Cross-client reporting

These become much more important operationally than having another referral template.

If you can share:

• approximately how many client accounts you expect to manage,
• whether your clients are SaaS, ecommerce, or local businesses, and
• whether you need affiliate programs, referral programs, or both,

I can narrow it down to the two or three platforms that best fit your agency model.

For a small agency managing multiple clients’ referral programs, you’ll want more than a normal referral SaaS. Look for:

• Agency dashboard / multi-tenant management (one login → many client programs)
• White-label client portals (your brand or each client’s brand)
• Separate tracking, rewards, affiliates, analytics per client
• Custom domains and branding
• Client permissions/roles

A few platforms that fit this model:

My shortlist for your use case:

1. Refgrow — probably the closest match if you sell “we manage referral programs for clients.” It explicitly targets agencies with white-label dashboards and multi-client/project management. refgrow.com
2. HeldSway — worth evaluating if you want a more agency-native operating model with multiple client programs and centralized billing. heldsway.comrefgrow.com
3. Everflow — better if your clients need serious attribution, partner networks, fraud controls, and enterprise reporting. refgrow.com

Before choosing, I’d check whether you need:

• Referral only (customer invites → rewards)

vs.

• Affiliate/partner management (influencers, publishers, commissions, payouts)

If you’re managing programs for SMB clients and reselling the service under your agency name, I’d start by demoing Refgrow and HeldSway. heldsway.comrefgrow.com

If you're managing referral programs as a service for multiple clients, you should prioritize platforms that support:

• True multi-client (agency) dashboards
• White-label branding (custom domain, logo, emails)
• Separate client workspaces with isolated data
• Role-based permissions
• Easy onboarding for new clients
• API/webhooks for automation

Here are the strongest options:

Best overall: Refgrow

Refgrow appears to have the most mature agency offering. It includes: refgrow.com

• One dashboard for all clients
• Unlimited client projects
• Full white-label dashboard
• Custom domains
• Separate commission structures per client
• Separate affiliate portals
• Centralized reporting
• Team permissions
• API access

If your agency manages 20–100 referral programs, this is exactly the workflow it's designed for.

Best if you resell under your own brand: Referly

Referly is positioned specifically around agencies creating a branded referral software offering. Features include: www.referly.so

• Your logo throughout the platform
• Custom domain
• Client management dashboard
• Multiple client accounts
• Revenue reporting
• Agency pricing

It's attractive if clients actually log into the platform themselves.

If you need enterprise flexibility

ReferralRock is a mature referral platform with strong automation and integrations, but it isn't primarily designed as an agency platform. You can manage multiple client programs, though white-label capabilities are more limited than agency-first tools.

My recommendation

For a small agency, I'd rank them:

1. urlRefgrowturn0search0 — strongest agency features and white-label support.
2. urlReferlyturn0search3 — good if you want clients to perceive the software as your own.
3. urlHeldSwayturn0search2 — worth considering if centralized billing and client workspaces are priorities.

If your clients are mostly Shopify stores, SaaS companies, or local businesses, I can narrow the recommendation further because the best platform depends heavily on the client type and the integrations they need.

For a small agency managing multiple clients’ referral programs, you’ll want more than a normal referral tool. Look for:

• White-label client portals (your branding/domain)
• Multi-client / multi-tenant management
• Separate tracking, commissions, payouts, and analytics per client
• Client user roles and permissions
• Centralized agency billing/reporting

A few platforms that fit that model:

My shortlist for your use case:

1. Refgrow — likely the closest match if you’re a small agency managing SaaS/ecommerce-style referral programs. It is specifically positioned around agencies reselling referral programs, with white-label dashboards and multiple client projects. refgrow.com
2. HeldSway — worth evaluating if you want a more agency-native workflow with centralized billing and client program management. heldsway.com
3. WeZend — consider if you expect to scale into many clients and need stronger multi-tenant controls. wezend.dk

A couple of questions would narrow it down:

• Are your clients mostly SaaS/subscription businesses, ecommerce brands, or service businesses?
• Do you need clients to log in themselves, or will your agency operate everything behind the scenes?

If you're running referral programs for multiple clients as an agency, the key features to look for are:

• Multi-client/workspace management
• White-labeling (custom domain, branding, emails, portal)
• Client-specific reporting and permissions
• Easy campaign duplication
• API/webhooks for integrations
• Agency or reseller pricing

Here are some of the strongest options:

Top recommendations

1. Referral Factory
This is one of the most agency-friendly platforms.

Pros:

• Agency dashboard
• Multiple client accounts
• White-label referral pages
• Custom branding
• Campaign templates you can duplicate
• Zapier, HubSpot, Salesforce integrations
• API access

Ideal if you're managing 10–100+ client programs.

2. Talon.One
Best if your clients need more than referrals.

Pros:

• Referrals
• Loyalty
• Coupons
• Rewards
• Enterprise APIs
• Multi-tenant architecture

It's powerful but generally better suited to larger clients and technical teams.

3. Viral Loops
A good balance for agencies serving startups.

Pros:

• Multiple projects
• Different referral campaign types
• Simple setup
• API
• Affordable compared with enterprise tools

White-labeling is more limited than dedicated agency platforms.

If white-label is your highest priority

Look for platforms that support:

• Your own domain (e.g. referrals.youragency.com)
• Custom email sender/domain
• Removal of vendor branding
• Custom CSS/themes
• Client-specific logins
• Agency/reseller accounts
• Role-based permissions

Not every vendor advertises these publicly, but many enable them on higher-tier or agency plans.

If you want to resell referral software

Some agencies prefer to package referral software as their own service. In that case, prioritize vendors offering:

• Reseller pricing
• Unlimited client workspaces
• Custom branding
• API-first architecture
• Usage-based billing
• Agency support

My shortlist

• Best overall for agencies: Referral Factory
• Best enterprise option: Talon.One
• Best for SaaS clients: GrowSurf
• Best for ecommerce: Mention Me or ReferralCandy

If you can share:

• roughly how many clients you manage,
• whether your clients are SaaS, ecommerce, local businesses, or B2B, and
• your approximate budget per client or per month,

I can narrow the recommendations to the platforms that best fit your agency model.