MLM Merchant Account Solutions for High-Risk Industries.

It's a merchant account built for multi-level marketing and direct selling companies. It lets you accept cards, debit and mobile wallets on your main site and your distributors' replicated sites, with autoship billing, high-volume limits and chargeback tools set up for how network marketing works.

Banks see three things: autoship and starter-kit orders that lead to disputes, sales volume that spikes around launches and conventions, and regulatory scrutiny of income claims and recruiting. A processor that underwrites direct selling up front won't freeze you when those things happen.

Usually not for long. Stripe prohibits multi-level marketing that pays commissions on recruitment-based sales, Square bans unauthorized multi-level marketing, and PayPal requires pre-approval for direct selling organizations. Many MLMs get approved at signup and frozen when volume grows.

There's no MLM-specific code. Most direct selling companies process under the code for what they sell, like 5499 for nutrition or 5977 for cosmetics, or a direct marketing code such as 5964, 5968 for subscriptions or 5969. Your acquirer assigns it during underwriting.

Yes. Orders on distributor replicated sites run through your merchant account and are credited to the right distributor, so customers see your brand on their statement and you keep one set of chargeback controls.

Yes. We approve party plan, direct sales, network marketing and affiliate-style companies across nutrition, beauty, essential oils, home goods, fashion and services.

Your business documents and statements, your compensation plan, your distributor agreement and policies, your refund and inventory buyback policy, and an income disclosure statement if you publish earnings information. Clear autoship terms at checkout help too.

Yes, if your compensation plan rewards product sales and your checkout terms are clear. New companies without processing history may start with lower monthly limits or a reserve that comes down as you build history.

Often, yes. Many direct selling companies come to us after Stripe, Square or PayPal froze their account. We look at why it happened and what's changed. We also work with merchants on the MATCH list.

Yes. Tell us your launch and event calendar and we set your processing limits ahead of it, so big weeks go through instead of tripping a hold.

The FTC looks at where the money comes from. A legitimate MLM pays rewards based on real product sales to real customers. A pyramid scheme pays mostly for recruiting, or for distributors buying product just to qualify for commissions.

Only claims that reflect what a typical distributor earns after costs. The FTC treats photos of cars, houses and vacations as income claims, and says "results not typical" fine print doesn't fix a misleading one. Your distributors' posts count as your marketing too.

If you share earnings information, an accurate income disclosure statement helps, and many underwriters ask for one. It has to be truthful, and it doesn't make other misleading income claims okay.

Yes. In September 2026 the FTC and Washington State reached a $225 million settlement with Amway over income claims and recruiting practices, the FTC's largest MLM recovery. Earlier cases include Herbalife, Vemma and AdvoCare.

Direct Selling Association members buy back marketable inventory bought in the last 12 months at 90% or more of cost when a distributor leaves, and some states recognize the same standard. Underwriters like to see a clear buyback policy.

No. There are no setup fees or application fees.

It depends on your history and how you sell. New companies and autoship-heavy programs may carry a rolling reserve. Merchants with clean processing history often start with a low reserve or none.

Visa's VAMP program flags merchants at a 1.5% fraud-and-dispute ratio with at least 1,500 disputes and fraud reports in a month, and Mastercard starts at 1.5% and 100 chargebacks. Banks usually act well before that, so aim to stay under 1%.

Disclose autoship terms before checkout, send reminders before each shipment, make cancelling easy, use a billing descriptor customers recognize, and refund quickly. Chargeback alerts let you refund before a dispute becomes a chargeback.

Yes. We approve autoship and subscription programs. Get express consent at checkout, send renewal reminders and make cancelling easy to meet Visa's rules, ROSCA and state automatic renewal laws.