Updated September 28, 2026 · AffCue Editorial Team
ING vs PAYBACK American Express Card
Facts checked September 26, 2026.
Facts checked September 26, 2026.
Where ING and PAYBACK American Express Card differ
| Compare |  ING |  PAYBACK American Express Card |
|---|---|---|
| Commission terms | EUR 46.00 CPL per lead | Up to $200 per approved card |
| Cookie window | 60 daysHigher | 7 days |
| Networks | FinanceAds | CJ Affiliate, FinanceAds, DaisyconCovers more |
| Payout per sale or signup | €46 | $200 |
| Payout frequency | Not confirmed | Monthly |
Same on both: Recurring commission (No), Verticals (Banking).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Cookie window is higher at ING: 60 days vs 7 days.
- Networks: only PAYBACK American Express Card offers CJ Affiliate, Daisycon.
- PAYBACK American Express Card is available in 1 more country.
- Pricing model: only ING offers CPL.
- Pricing model: only PAYBACK American Express Card offers CPA.
- Region: only ING offers Single country.
- Region: only PAYBACK American Express Card offers North america, Europe.
Our verdict on each
ING
ING pays a set CPL for its Conto Arancio offer, so publishers who can deliver a steady flow of qualified banking leads in a single market can count on predictable income. The trade-off is the shape: no recurring commission, a single network, and a window of 60 days.
PAYBACK American Express Card
PAYBACK American Express Card is a CPA offer for publishers who can send card traffic fast, paying $200 per approved card. The trade-off is the window: 7 days of cookie while banking programmes reach 90 days, so timing matters more than patience.
Winner by area
- On offer the two are close: ING wins 1, PAYBACK American Express Card 0.
- PAYBACK American Express Card edges ING on trust, 1 facts to 0.
A third option
BlackBull Partners has cookie window at 365 days, against 60 days for ING and 7 days for PAYBACK American Express Card.
BlackBull Partners reviewHow they place
| Ranking | ING | PAYBACK American Express Card |
|---|---|---|
| Finance affiliate programs | 58 of 425 | 45 of 425 |
| Banking and fintech programs | 13 of 86 | 9 of 86 |
Every fact side by side
| Fact | ING | PAYBACK American Express Card |
|---|---|---|
| Pricing model | CPL | CPA |
| Features | Not confirmed | Referral |
| Region | Single country | North america, Europe |
| Legal entity | ING Groep N.V. | Not confirmed |
| Headquarters | Netherlands | Not confirmed |
| Founded | 1991 | Not confirmed |
Where each stands against the rest
| Fact | ING | PAYBACK American Express Card | Median |
|---|---|---|---|
| Cookie window | 60 dayshighest quarter | 7 dayslowest quarter | 30 days |
Median across 146 listed affiliate programs.
Pros and cons
ING
Pros
- A fixed rate of EUR 46.00 CPL per lead makes lead value easy to forecast.
- A 60 day window gives comparison style banking content room to convert.
- Banking focus (banking) slots straight into sites already writing about current accounts.
Cons
- Recurring commission is not offered, so an approved lead pays once and nothing follows.
- Only single country traffic earns, so an international audience converts at a lower rate.
- The 60 day window ranks 23 of 129 on cookie length.
PAYBACK American Express Card
Pros
- An approved card is worth $200, which rewards card focused content well.
- The offer runs on CJ Affiliate, financeAds and Daisycon, so you can pick the network that matches your audience.
- Payouts are Monthly, a predictable rhythm for cash flow.
Cons
- Recurring commission is no, so payment stops at approval and never returns.
- A 7 day cookie window ranks 111 of 129 on the site, so a reader who returns after that earns you nothing.
- Payouts run Monthly, so approved cards wait for the next cycle before the money lands.
Who each suits
ING
Who it suits
- Publishers with steady banking lead volume in a single market who can hit a known CPL.
- Sites that write current account comparisons, where a 60 day window is enough to convert.
- Publishers already inside financeAds who want a finance programme to add to an existing slate.
Who should look elsewhere
- Publishers who need several payout triggers: Mintos pays Hybrid lead and CPA commission rather than a flat CPL.
- Anyone chasing a share of sales: Admitad pays 5% per sale on a different basis.
- Publishers after a registration bonus: Qonto pays CPA per registration plus KYB bonus and adds a bonus for verified businesses.
PAYBACK American Express Card
Who it suits
- Publishers whose readers already apply for credit cards and compare rewards.
- Network operators on CJ Affiliate, financeAds and Daisycon who want a single approval trigger to optimise around.
- Sites with banking content in north america and europe that can send readers straight to an application.
Who should look elsewhere
- Publishers who want a share of what a referral spends rather than a flat approval fee, since Admitad pays 5% per sale.
- Publishers chasing paid leads as well as sign ups, since Mintos offers Hybrid lead and CPA commission.
- Publishors who need a different banking angle to test, since Qonto pays CPA per registration plus KYB bonus.
Country by country
| Country | ING | PAYBACK American Express Card |
|---|---|---|
| Canada | No | Yes |
| Germany | No | Yes |
| Italy | Yes | No |
Questions about each
ING
What does the ING programme pay for a lead?+
ING pays EUR 46.00 CPL per lead on the current account offer, and cpl shows the model is CPL. Payment attaches to the lead rather than to any later account activity, so the rate is easy to plan around but capped at a single payout per lead.
How long is the cookie window on ING leads?+
The window runs 60 days from the click. On the site that is a middle of the pack figure: the median across listed programmes is 30 days and the upper quartile 60 days, so a longer comparison style article should still convert inside the ING window.
PAYBACK American Express Card
How much does the PAYBACK American Express Card pay?+
The programme pays Up to $200 per approved card, and the amount sits at $200. It runs on the cpa model, so the money is tied to an approved card rather than to clicks or to what the cardholder later spends. Approved applications are what trigger the payment.
How long do I have to turn a click into an approved card?+
The cookie window is 7 days. On the site that ranks 111 out of 129 programmes, so it sits near the short end. The longest banking and fintech window reaches 90 days, so campaigns have to be timed tightly here.