Merchants who join the Icuberewards program give a percentage of member spending to the program. Members earn vouchers from their spending that do not expire. Members can earn cash rewards if they recruit other members who spend money with participating merchants each month. The more members a recruiter signs up, and the more those members spend each month, the more cash the recruiter earns through automatic repeat spending at merchants in the program. To apply as a merchant in the Icuberewards program, businesses need to submit an application form, provide their SSM business documents and registration, a business logo, business cards, and 6-10 photos of their store or products.