No. SFI provides everything you need to generate income through its exclusive Zing Network stores (e.g., Elevation Mall, TripleClicks.com, and Rewardical.com). SFI tracks your commissions and automatically sends you your commission. SFI also handles all payment processing for your customers, product shipment, customer service, returns, refunds, etc.—all at no cost to you. For tips on attracting members, see the list of Member Referral Methods