Abstract: Various methods and systems are provided to facilitate on-line transactions through the issuance of rewards for users who referral a product that is purchased by another. In one example, a user selects a product that the user purchased and an email recipient. The payment provider, who the user used to purchase the product, sends an email with a URL to the recipient, where the URL contains the merchant product page and the email address of the user or person making the referral. If the recipient purchases the referred product, such as clicking on the link or copying and pasting the URL, the payment provider is notified and issues a reward to the user based on the purchase by the recipient.