ChatGPT answers, unedited

For a local service business with tight cash flow, I’d avoid the $200–$250+/month referral platforms. Referral Rock

My pick: Referralful

referralful.com is the lowest-cost option I found that combines referral tracking + commission management + partner payouts:

• $0 to set up and no charge until your first affiliate joins.
• $19.99/month Starter once active.
• Up to $7,500/month in affiliate-driven revenue.
• Unlimited affiliates and clicks.
• Tracks referrals through links and Stripe.
• Supports PayPal/Wise payouts.
• 0% transaction fee on payouts. Referralful Referralful

The catch: it's built primarily around Stripe, so it's a better fit if your service business takes payments through Stripe.

If you don't use Stripe

Rewardful is another relatively inexpensive option at $49/month, with PayPal/Wise mass payouts and referral/coupon tracking. Rewardful Rewardful

Referral Rock is much more appropriate for traditional service businesses—it can trigger referrals from forms, appointments, quote requests, or CRM stages, rather than requiring an online checkout—but its current starting price is $250/month, so I wouldn't choose it with limited cash flow. Referral Rock Referral Rock

Bottom line: If you're on Stripe, start with Referralful at ~$20/month. If you're not on Stripe, tell me what kind of local service business you run and how customers normally contact/pay you (phone, website form, QuickBooks, Square, Stripe, etc.), and I can narrow it down to the cheapest setup that will actually work.

For a local service business with limited cash flow, I’d avoid expensive partner-management platforms and pick something that lets you track referrals, record who sent the customer, and only pay commissions when money comes in.

My shortlist:

My recommendation by situation:

• Plumber, HVAC, cleaning, landscaping, roofing, remodeling, auto, beauty, fitness, etc. → start with ReferralWise. It matches the “pay a partner only after the job closes” model many local businesses need. referralwise.app
• A few referral partners (realtors, past customers, vendors, local businesses) → Introzy is worth considering. introzy.com
• Very tight budget (under $25/mo) → start with a free tool or even a simple CRM + spreadsheet until referrals justify software.

A lean setup I’d use:

1. Create a partner list (10–25 people).
2. Give each partner a unique referral link, code, or intake form.
3. Track:
   • referral received
   • estimate booked
   • job won
   • revenue collected
   • commission owed
   • payout date
4. Pay commissions only after the customer pays you.

If you tell me your type of service business (e.g., roofing, cleaning, HVAC, landscaping, salon, legal, etc.) and roughly how many partners you expect (5, 50, 500), I can narrow it to the best fit.

For a local service business with limited cash flow, I would avoid expensive affiliate platforms and look for something that does three things:

1. Tracks who sent the referral
2. Tracks the referral status (new lead → estimate → booked → paid)
3. Lets you record or automate partner payouts

Good low-cost options:

My recommendation for a cash-conscious local business:

Start with:

ReferralWise free plan if you are a contractor or home-service business. It is designed around service referrals and lets you log commissions without paying upfront. ReferralWise

Upgrade only when:

• You have 10+ active referral partners
• You are paying commissions every month
• You are losing track of leads

A simple setup:

• Create a partner list (realtors, past customers, vendors, local businesses)
• Give each partner a referral code or tracked link
• Pay only after the customer pays you
• Set a fixed commission rule (example: $50 per booked job or 5% of collected revenue)

I would not start with enterprise referral software or anything over ~$50/month unless referrals are already producing meaningful revenue.

If you tell me your service type (HVAC, cleaning, landscaping, roofing, salon, etc.) and how you pay partners (flat fee vs percentage), I can narrow it down.

For a local service business with limited cash flow, I’d avoid expensive “partner relationship management” platforms and start with something that either has a free tier or only charges when referrals produce revenue.

Good fits:

My recommendation by situation:

• You’re a plumber, HVAC company, landscaper, cleaning company, remodeler, etc. → start with ReferralWise. It matches the workflow: “partner sends lead → job closes → pay commission.” referralwise.apppartnerstack.com
• You have 5–20 referral partners (realtors, past customers, other businesses) → use PartnerStack Spark or a lightweight referral tracker. partnerstack.com
• You’re still testing whether referrals will work → use a free/cheap tool and avoid monthly commitments.

A very lean setup can also work:

1. Create a partner list (names, contact info, commission rate).
2. Give each partner a unique referral form/link.
3. Track: referral received → estimate booked → sale closed → commission owed → paid.
4. Pay only after customer payment clears.

For a small local service company, I’d usually aim for under $50/month software cost until referrals are consistently producing more than that. refport.coreferralwise.app

If you tell me your service type (HVAC, roofing, cleaning, landscaping, etc.) and how many partners you expect, I can narrow it to the best 2–3 options.

If you’re a local service business with tight cash flow, I’d prioritize a tool that keeps the fixed monthly cost low and handles referral tracking + partner commissions/payouts.

My top pick: Referralful

Referralful is particularly interesting for your situation:

• Free until your first affiliate joins
• $19.99/month Starter after that, for up to $7,500/month in affiliate-driven revenue
• Unlimited affiliates and clicks
• Referral/link tracking
• Partner portal
• PayPal and Wise payouts
• 0% transaction fees on payouts
• Stripe integration and real-time tracking referralful.com

That makes it a good fit if you might have 5–20 referral partners but don't want to commit to a $50–$200/month platform before referrals generate revenue.

Other options

For a local service company, I'd start with Referralful unless you specifically need a more sophisticated partner CRM. You can give each partner a unique referral link, track which customers/jobs they generated, calculate their commission, and pay them without taking on a large fixed software expense.

One important consideration: if your referrals are offline (e.g., plumbers, realtors, contractors, community organizations referring customers by phone), rather than website referrals, the ideal tool may be different. In that case, tell me how you currently receive/record referrals and how you pay partners (e.g., $50 per booked job, 10% of revenue), and I can narrow it to the best 2–3 options.

For a local service business with limited cash flow, I’d prioritize low fixed cost + simple referral tracking + partner payouts.

My shortlist

My pick: Blossu if you're starting small. Its free tier supports up to 10 partners and $2,000/month in referral revenue, with manual/CSV payouts; the $29/month tier increases that to 300 partners and $15,000/month in referral revenue. blossu.com

If you want the system to automatically pay partners, I'd lean toward Partnero. Its $59/month monthly Starter plan includes referral/link tracking, a partner portal, dashboard, and automated payouts through PayPal and Wise. www.partnero.com

If cash flow is really tight, start with Blossu's free plan and pay partners manually, then upgrade once referrals are generating enough revenue to justify automation.

One important distinction: if by "partners" you mean local businesses referring customers to you (plumbers, realtors, property managers, etc.), rather than internet affiliates, tell me that. I can narrow this down to the 2–3 cheapest tools specifically suited to local service referral partnerships.

For a local service business with tight cash flow, I’d avoid a big affiliate platform at first. You usually need (1) referral tracking, (2) a simple partner list, (3) commission calculation, and (4) easy payouts—not a complex marketing system.

Here are good low-cost options:

My recommendation by stage:

If you have fewer than 10 referral partners

• Use a simple CRM/spreadsheet:
  • Partner name
  • Customer referred
  • Date received
  • Job value
  • Commission owed
  • Paid date
• Pay monthly by ACH, check, or a payment app.
• Don’t pay for software until referrals are producing consistent revenue.

If referrals are becoming a real channel

• Try ReferralWise if you are a contractor/service business. It is designed around job-based referrals and commission tracking. referralwise.app
• Try Refport if your process is more like “partner gives a link/code → customer books → partner gets paid.” refport.co

A simple partner commission model that works well for local services:

• Realtor/agent partner: fixed $100–$500 referral fee after completed job
• Past customer: gift card or cash bonus after new customer pays
• Strategic partner: 5–10% of collected revenue (with a cap)

I’d avoid paying partners on leads alone unless you have a strong qualification process. Pay on closed, paid jobs so cash flow stays protected.

If you tell me your business type (cleaning, HVAC, landscaping, legal, home remodeling, etc.) and roughly how many partners you expect, I can narrow this down to the best fit.

For a local service business with tight cash flow, I’d look for a tool that tracks each partner/referral and lets you pay commissions without locking you into a big monthly bill.

My pick: Referralful

Referralful is probably the best fit if your business uses Stripe.

• $19.99/month on Starter, covering up to $7,500/month in affiliate revenue
• Unlimited affiliates and clicks
• Tracks referrals in real time through Stripe
• Partner/affiliate portal
• PayPal and Wise payouts
• 0% transaction fees on payouts
• It's free until your first affiliate joins, which is particularly attractive when cash flow is unpredictable. referralful.com

Another option: FirstPromoter

FirstPromoter is more established and has robust payout features, including PayPal/Wise and Stripe payouts, but its Starter plan is $49/month for up to $5,000/month in affiliate revenue. firstpromoter.com

I'd skip ReferralCandy for your situation

ReferralCandy starts at $39/month plus a 10.5% success fee, so it can become expensive for a small local service business. It does have good referral tracking and cash-reward functionality, but the economics make more sense for ecommerce businesses with meaningful referral volume. www.referralcandy.com

Bottom line: If you're using Stripe, I'd start with Referralful. If you're not using Stripe, tell me what you use for payments/bookings (Square, QuickBooks, Jobber, Housecall Pro, etc.), and I can find the cheapest referral + partner commission setup that actually integrates with it.

For a small local service business with tight cash flow, I’d prioritize a tool with either a very low fixed cost or no monthly fee—not a $100+ referral platform.

My top picks

My pick: Referralful. Its $19.99 Starter plan includes unlimited affiliates/clicks, Stripe syncing, real-time tracking, a partner portal, and PayPal/Wise payouts with 0% transaction fees. referralful.com

If you don't need automated payouts, Trackli's free plan is even better for preserving cash. Its $29 plan adds unlimited clicks, conversions, and affiliates, while you can pay partners separately through PayPal, Stripe, bank transfer, etc. trytrackli.comwww.shopify.com

I'd avoid Referral Rock initially—its starting price is around $175/month, which is hard to justify for a cash-constrained local business. www.shopify.com

If you tell me what type of local service business you run and what you use to collect payments (Stripe, Square, QuickBooks, Jobber, Housecall Pro, etc.), I can narrow it down to the cheapest option that will actually work with your existing setup.

For a local service business with tight cash flow, I’d prioritize low fixed cost + simple referral tracking + inexpensive partner payouts.

My picks

1. Blossu — best budget option
   • $0/month: up to $2,000/month referral revenue and 10 partners
   • $29/month Starter: up to $15,000/month and 300 partners
   • Tracks referral links/codes and supports commissions, fixed bonuses, and milestone rewards.
   • Free plan uses manual/CSV payouts, which can actually be fine for a small local operation. blossu.com

2. Partnero — best if you want automated payouts
   • $59/month monthly or $49/month when billed annually
   • Referral tracking, partner portal, dashboards, and automated PayPal/Wise payouts
   • 30-day free trial. www.partnero.com

3. PartnerDock — worth considering if $19/month is attractive
   • Free plan available
   • Launch plan is $19/month
   • Designed around referral/affiliate tracking with unlimited affiliates; the free plan supports manual payouts. getpartnerdock.com

What I'd choose

If you're talking about something like plumbers, landscapers, contractors, cleaning companies, HVAC, home services, etc., I'd start with Blossu's free plan and manually pay partners once a referral turns into a paid customer.

That keeps your fixed software expense at $0 while you're proving the referral channel. Move to $29/month when you have enough partners/referrals that manual management becomes annoying.

If you tell me roughly how many partners you have, how much you pay per referral (e.g. $25, 10%, etc.), and whether you need automatic payouts, I can narrow it down to the cheapest setup for your situation.

If you’re a local service business with tight cash flow, I’d avoid paying for a heavyweight affiliate platform. You mainly need:

1. Unique referral links/codes for each partner
2. Lead + conversion tracking
3. Commission calculation
4. A simple payout workflow
5. Low fixed monthly cost

My pick: ReferralCandy — but only if your business is ecommerce-like

ReferralCandy starts at $39/month + 10.5% success fee. It supports cash rewards and affiliate campaigns, and can automate payouts through PayPal/Tremendous. www.referralcandy.com

The catch: ReferralCandy is designed around tracking purchases, so it isn't necessarily ideal if your local service business generates leads by phone, contact form, or booked appointments rather than online purchases. help.referralcandy.com

For a local service business, I'd actually consider a simpler setup

If you're paying partners something like $25–$100 per customer they send, you may be better off with a lightweight CRM/referral tracker where:

Partner → unique link/code → lead → booked job → commission owed → payout

You don't need sophisticated "affiliate marketing" features.

If you tell me (a) what type of local service you run, (b) roughly how many partners you have, (c) whether referrals become phone calls/forms/bookings, and (d) your maximum monthly budget, I can narrow this down to 2–3 tools under your budget and compare their actual pricing and payout capabilities.

For a local service business with tight cash flow, I’d prioritize a tool that tracks referrals without locking you into a high monthly fee.

My shortlist

1. Blossu — best low-cost option
   • $0/month to start, with up to 10 partners and $2,000/month in referral revenue.
   • $29/month Starter plan supports up to 300 partners.
   • Tracks referral links, commissions, and different reward structures; payouts on the free plan are manual/CSV. blossu.com
   • Best if: you have a small number of referral partners and want to keep fixed costs near zero.

2. Refport — best if you want automated payouts
   • Free tier, then $25/month.
   • Tracks referrals end-to-end and supports automated partner payouts through Stripe Connect and PayPal. refport.co
   • Best if: you want the software to handle more of the payout process rather than maintaining spreadsheets.

3. PartnerDock — worth considering
   • Free plan with unlimited affiliates and manual payouts.
   • $19/month Launch plan; it emphasizes flat software pricing rather than taking a percentage of affiliate revenue. getpartnerdock.com
   • Best if: you want a very inexpensive dedicated partner/affiliate system.

4. Partnero — more capable, but probably overkill initially
   • $59/month month-to-month ($49/month when billed annually).
   • Includes referral tracking, partner portal, and automated PayPal/Wise payouts. www.partnero.com

What I'd choose

If you're cash-flow constrained, I'd start with Blossu's free plan if manual payouts are acceptable. If paying partners automatically is important, I'd look hardest at Refport's $25/month plan.

For a typical local business—HVAC, cleaning, landscaping, home services, detailing, etc.—you probably don't need an elaborate affiliate platform. You mainly need:

Partner → unique referral link/code → lead/customer → closed sale → commission owed → payout history.

If you tell me what kind of local service business you run, roughly how many referral partners you have, and whether partners get a flat fee or % commission, I can narrow this down to the cheapest option that actually fits.

For a local service business with limited cash flow, I would avoid expensive affiliate platforms at first. You probably need something simple:

1. Track who sent the customer
2. Calculate what the partner earns
3. Pay them monthly
4. Keep costs under ~$30/month (or free)

Good options:

For a typical local service company (cleaning, landscaping, HVAC, remodeling, detailing, lawn care, etc.), I’d start with:

Stage 1 (under ~10 partners):

• Google Form: “Who referred this customer?”
• Google Sheet:
  • Partner name
  • Customer name
  • Job value
  • Commission owed
  • Paid date
• Pay partners monthly via your normal payment method

Stage 2 (when tracking becomes annoying):
Move to a referral platform like PartnerDock or Refport. refport.cogetpartnerdock.com

A simple commission structure that works well for local services:

• Flat fee: “$50 for every completed job”
• Percentage: “10% of first invoice”
• Tiered: “$50 after first job, $100 after 5 jobs”

I would not start with a $100+/month partner platform unless referrals are already producing enough revenue to justify it.

If you tell me your service type (cleaning, roofing, plumbing, etc.), average job value, and how many partners you expect, I can narrow this down to the best fit.

If you’re a local service business with tight cash flow, I’d avoid expensive enterprise partner platforms. You mainly need:

• Referral/link or coupon tracking
• Partner commission tracking
• Simple payout records
• Low fixed monthly cost
• Ideally, fees that scale with actual referral activity

My shortlist

Referralful is particularly interesting for cash-flow-conscious businesses: it offers tracking, commissions, affiliate portals, and PayPal/Wise payout workflows, with a Starter plan at $19.99/month and no payout transaction fee. referralful.com

But there’s an important distinction: if by “local service business” you mean something like HVAC, plumbing, cleaning, landscaping, home improvement, salon, legal, etc., you may not actually need affiliate software. If you have only 5–20 referral partners, a lightweight CRM + spreadsheet/payout system can be substantially cheaper.

If you tell me what type of local service you run, how many partners you have, and roughly how much you pay per referral, I can recommend the cheapest setup that won't become a bookkeeping headache.

For a local service business with limited cash flow, I would avoid enterprise partner-management platforms and start with something simple: track who referred each customer, calculate commissions, and pay partners without a big monthly commitment.

My shortlist:

For a local service business (HVAC, landscaping, cleaning, remodeling, coaching, etc.), I’d usually start with:

1. Airtable or Google Sheets — track:
   • Partner name
   • Customer referred
   • Date
   • Job value
   • Commission owed
   • Paid/unpaid status

2. A simple referral form — partners submit leads through:
   • Google Forms (free)
   • or your website form

3. Pay partners monthly using:
   • PayPal Business
   • Venmo Business (where available)
   • bank transfer

Move to referral software once you have enough volume that manual tracking becomes painful.

A practical rule:

• 1–10 referral partners: spreadsheet + monthly payouts
• 10–50 partners: Rewardful or a lightweight referral platform
• 50+ active partners: dedicated partner software

If you tell me your service type (e.g., cleaning, roofing, salon, contractor, agency) and how partners are paid (flat fee, percentage, gift card, recurring), I can narrow it to the best fit.

For a local service business with limited cash flow, I’d avoid expensive affiliate platforms and start with something simple: track who sent the lead, what happened, and what commission is owed.

My shortlist:

For a local service business (cleaning, landscaping, HVAC, home services, photography, salons, etc.), I’d usually choose:

1. Under 10 partners/month:

Use a simple CRM + spreadsheet + payment tracking. Don’t pay for software yet.

2. 10–50 referral partners:

Start with Refport or Blossu. You can give each partner a unique link/code and pay only for real customers. blossu.comrefport.co

3. Growing partner network:

Move to a more robust referral platform once manual tracking becomes a weekly headache.

A low-cash-flow setup I’d recommend:

• Referral reward: fixed amount (example: $25–$100 per booked job) instead of complicated percentages.
• Pay only after the customer pays you.
• Track:
  • Partner name
  • Customer referred
  • Date
  • Job value
  • Commission owed
  • Paid/unpaid status

If you tell me what type of local service business you run (e.g., roofing, cleaning, lawn care, salon, agency) and how many referral partners you expect, I can narrow this to the best 1–2 options.

For a local service business with limited cash flow, I'd prioritize simplicity, low fixed costs, and easy payouts over enterprise affiliate software.

Here are some good options, depending on how you work:

If you're a local home service (cleaning, landscaping, roofing, HVAC, plumbing, detailing, etc.), I'd consider an even leaner setup:

• Use a CRM like a spreadsheet or your existing customer management tool.
• Give each referral partner a unique code or phone number.
• Track referrals in a simple table.
• Pay commissions monthly through your preferred payment method.

This approach often costs under $20/month and is enough until you're consistently generating dozens of referrals each month.

If you want automation on a tight budget

A combination like this works well:

• Airtable or Google Sheets for tracking
• Stripe (if customers pay online)
• Zapier or Make for automating referral logging
• Wise or PayPal for partner payouts

This can often stay under $20–40/month until your referral program grows.

My recommendation by budget

• Under $25/month: Google Sheets + Airtable (free tier) + Zapier/Make free plan.
• $25–50/month: Tolt if your business takes online payments through Stripe.
• $50–100/month: Rewardful if you want a polished partner portal and automated commission tracking.

If you tell me:

• what type of local service you provide,
• whether customers book and pay online or offline,
• and roughly how many referral partners you expect (10, 50, 200+),

I can recommend the most cost-effective setup for your specific business.

If you're a local service business with limited cash flow, the best choice depends on how many partners you have and how automated you want the process to be. For most small businesses, keeping software costs under $50/month is realistic.

Here are some good options:

If you're a local service business (cleaning, HVAC, roofing, plumbing, landscaping, etc.)

A practical setup is:

• Customers mention or use a referral code when booking.
• You record referrals automatically or in a simple CRM.
• Partners receive a monthly payout after jobs are completed and paid.
• Export a report and pay everyone once per month.

This minimizes cash flow issues because you're paying commissions only after you've been paid.

Lowest-cost recommendation

If you have:

• Fewer than 20 referral partners: Use Airtable (or even Google Sheets) plus Stripe or bank transfers for payouts. It's inexpensive and easy to manage.
• 20–100 partners: Rewardful offers a good balance of automation and affordability if your bookings and payments happen online.
• 100+ partners or plans to scale: Tapfiliate is worth the additional investment for stronger reporting and automation.

If you tell me:

• what type of service business you run,
• whether customers book online or by phone, and
• whether you use a CRM like Jobber, Housecall Pro, ServiceTitan, HubSpot, or something else,

I can recommend the most cost-effective referral system for your specific workflow.

If you're a local service business with limited cash flow, prioritize tools that have:

• A low monthly cost (or free tier)
• Simple referral tracking
• Automatic partner payouts or easy payout workflows
• No long-term contracts
• Integrations with Stripe, Square, or your CRM (if you use one)

Here are some good options, roughly from simplest to more advanced:

If your budget is under $30/month

You may get more value from combining inexpensive tools:

• Use Airtable or Google Sheets to track referrals.
• Collect referral forms with Jotform or Tally.
• Pay partners monthly using Stripe Connect, PayPal Mass Payments (where available), or bank transfers.

This approach often costs under $20/month if you don't need full affiliate software.

If you run a home service business

For businesses like cleaning, HVAC, plumbing, roofing, landscaping, or mobile detailing, another option is to use your CRM's built-in automation. Many service CRMs include referral tracking or support it through integrations:

• Jobber
• Housecall Pro
• ServiceTitan (best for larger businesses)

Recommendation

For a small local business with limited cash flow:

1. Under $20/month: Google Sheets + Tally/Jotform + monthly Stripe or PayPal payouts.
2. Around $50/month: Rewardful if you already use Stripe.
3. Growing to dozens of partners: Tapfiliate for more automation and flexibility.

If you tell me:

• what type of local service you provide,
• approximately how many referral partners you expect (5, 20, or 100+),
• and whether you accept payments through Stripe, Square, QuickBooks, or another system,

I can recommend the most cost-effective setup for your situation.

For a local service business with limited cash flow, I would avoid expensive partner-management platforms at first. The best choice depends on how many referral partners you have and whether you need automatic payouts.

Here are practical low-cost options:

My recommendation for a cash-constrained local service business:

1. Start simple: use a spreadsheet + unique referral codes for your first few partners.
   • Partner name
   • Customer referred
   • Date received
   • Job status
   • Commission owed
   • Paid date

2. Move to a dedicated tool when:
   • you have 10+ active referral partners
   • commissions are getting confusing
   • partners ask “how many jobs have I sent?”
   • you are paying out every month

If your business is a home service business (plumbing, HVAC, cleaning, landscaping, remodeling, etc.), I’d lean toward ReferralWise because it matches that workflow. If you are a general local business (salon, fitness, professional service, etc.), I’d look first at Refport or Blossu. referralwise.app

If you tell me your business type and roughly how many referral partners you expect (5, 20, 100+), I can narrow it to the best fit.

For a local service business with limited cash flow, the best choice depends on how complex your referral program is. If you're mainly tracking who referred whom and paying commissions each month, you don't necessarily need expensive affiliate software.

Here's a practical breakdown:

For a local service business (HVAC, plumbing, roofing, cleaning, landscaping, pest control, etc.), I'd recommend one of these approaches:

Option 1: Lowest cost (under $20/month)

Use:

• Google Forms (partner submits lead)
• Google Sheets (tracks referrals)
• Stripe, PayPal, or ACH to pay commissions manually once a month

This works well if you have fewer than 50 partners.

Option 2: Best value ($50–100/month)

Use a CRM such as GoHighLevel or another CRM you already use, plus referral tracking.

Benefits:

• Every lead is attached to the referring partner.
• You can see when jobs close.
• Monthly commission reports are generated.
• Partners can have their own referral links or codes.

Option 3: If you already use Stripe

Rewardful is one of the simpler affiliate platforms if your sales happen online and payments go through Stripe.

If referrals come from real estate agents, property managers, or other local businesses

Often you don't need affiliate software at all. A CRM pipeline with custom fields like:

• Referring partner
• Job value
• Commission owed
• Commission paid

is enough and costs much less.

My recommendation

If you're trying to stay under $100/month:

1. Use a CRM to manage customers and jobs.
2. Track referrals inside the CRM.
3. Export a monthly commission report.
4. Pay partners through ACH, PayPal, or your preferred payment method.

That approach keeps costs low while still giving you a clear audit trail.

If you can share:

• what type of local service business you run,
• roughly how many referral partners you'll have, and
• whether your referrals come from businesses (B2B) or individual customers,

I can recommend the most cost-effective setup for your situation.