Introduced is a technology for facilitating a referral between a referrer and a referee, including the generation of the referral and the tracking of the referral redemption by the referee. The technology enables a customer to send a referral about a merchant to a friend by simply providing contact information associated with that friend (e.g., email address, telephone number, etc.), and further enables the friend to redeem a promotional offer included in the referral upon a use of the friend's payment card at the merchant's point-of-sale (POS) system, without having to provide any further information. In some instances, a transfer of a referral reward (e.g., points, discount, payment, etc.) is also transferred to the referrer in response to the redemption by the referee.