MLM Merchant Accounts

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MLM Merchant Accounts

An MLM merchant account lets you accept payments from distributors and customers world-wide. MLM credit card processing is considered high risk by acquiring banks. Still, there’s no reason for concern.  You have many options for MLM friendly payment processing available to you.

  • Diversify MLM merchant account processing through our extensive network of US and international banks.
  • Accept all major card brands world-wide.
  • Add echecks as an alternative payment method to get more orders from US customers.
  • Gain access to local alternative payment methods preferred by global buyers.
  • Pay US distributors fast with same day ACH credits.
  • High volume MLM merchant accounts.  Get the processing capacity you need to manage & grow your business.  Establish multiple accounts to mitigate risk.


What is an MLM Merchant Account?

Accepting  electronic payments smoothly & efficiently drives profits for direct sales companies.  MLM merchant accounts give you the ability accept a wide variety of payment methods electronically. 

MLM Credit Card Payments  Credit and debit cards are used widely throughout the world. In the US, UK, France, China, Australia, Japan, Sweden, consumers use cards more than cash.  The card brands advertise heavily, escalating global demand for card payments.  Accepting all major card brands is simply smart business. 

ACH / Echecks.  Electronic checks are the most popular alternative payment method in the US.  Millions of Americans regularly pay for goods & services with echecks.  Adding electronic checks to your checkout page boosts sales up to 30%, depending on the products & services being sold.

In addition, ACH is a great way for MLM merchants to pay distributors in the US.  Same day ACH is the fastest and most cost-effective method to direct deposit payments to bank accounts. 

Alternative Payment Methods.  More than 80 different payment options are available for international shoppers through MLM processors.  In many regions, “in-country” payment methods, such as local bank transfers, are more popular than cards.  Experience up to 40% in increased sales simply by offering buyers familiar & trusted payment methods preferred in their country.   

Some MLM merchants operate both in the US and world-wide.  Displaying  and accepting payments in the local currencies of your targeted markets is the best way to boost international sales.  Multi-currency processing is a standard feature on all MLM merchant accounts.  Accept payments in 160 currencies.  Receive settlements in all major world currencies.  


MLM Merchant Account Benefits

Our goal is for you to get the fastest approvals, lowest rates, and best terms for your payment processing.  Here are some of benefits of MLM credit card processing services:   

  • Lower Rates.  Contact us today for a no-obligation rate comparison.
  • Fast Approvals.  Speed time to market for fast increase in orders. 
  • MLM Secure Payment Gateway.  Level 1 PCI-DSS certification exceeds the most stringent standards for security, protecting your business & your customers.
  • Ecommerce.   Accept orders online quickly and easily.
  • Virtual Terminals.  Unlimited virtual terminals for fast processing of mail / phone orders (MOTO).
  • Accept Mobile Payments  Millions of shoppers prefer to pay you with mobile devices.
  • Bulk Processing.  Efficiently  process large files of orders via batch uploads.
  • Enhance Productivity.  Compatible with major shopping carts, CRM, and accounting systems.
  • Chargeback Protection. Help stop chargebacks before they occur.  And fight chargebacks you can win.
  • Fraud Protection.  Customize an extensive array of rules & filters.  Identify good orders.  Decline bad ones.  Set aside questionable transactions for review. 
  • Recurring Billing.  Great for MLM merchants to accept payments on a recurring basis.  Convenient for customers.  Profitable for you.
  • Customer Service Pros.   Highly trained professional service dedicated to your success.


MLM Payment Processor for High Risk Merchants

Multi-level marketing companies are classified as “high risk” by payment processors due to concerns about legal liabilities, potential chargebacks, and unpredictable growth patterns.  MLM credit card processing is considered high risk, regardless of the type of product or service being sold.

MLM companies have hundreds of thousands of distributors world-wide.  The MLM industry model includes well-run companies with excellent products.  And long track records of creating success for their distributors.

Still, the industry has been plagued by problems over the years.  Scams claiming to be MLM companies have turned out to be pyramid schemes which preyed on unsuspecting distributors and buyers.  And created negative publicity for the industry as a whole.

Despite this, many banks are open to payment processing for the MLM industry.  Your dedicated payment services manager will help you through the application process.  And work with you to ensure the greatest likelihood of account approval. 


Applying for Your MLM Merchant Account

Applying for your MLM merchant account is a straight-forward process.  You submit an application along with supporting documents.  Approvals for US MLM merchants take 5-7 business days from the time a complete application package is received, due to the high risk classification of the industry.  International MLM payment processors take 7-14 days for account approval.

Supporting documents include:  Color copy of driver’s license or passport for the signer on the account; voided check from the bank to which processing funds will settle; 3 months business bank statements; 3-6 months of payment processing statements; and business formation documents such as Articles of Incorporation.

A merchant account is similar to a short-term line of credit.  Therefore, be sure that the signer on the account has good personal credit.  Otherwise, consider adding a co-signer to the application who does.


How an MLM Merchant Account is Approved

Underwriting teams review the application to determine the risk associated with an MLM merchant account.  Do your best to supply all requested documents.  And to present your company in the best possible light. 

The underwriter will first verify all the information on the application. Then will move on to review of the supporting documents. 

Processing history is reviewed with an eye on chargebacks.  If chargebacks are low, that’s great. If they are edging up, provide an explanation of the reasons and the steps you are taking to bring them under control.  Being pro-active is a wise strategy, demonstrating you can manage your MLM merchant account effectively.

Bank statements are examined to confirm there is enough operating capital to run the business well.  Therefore, be sure there is enough money in your bank accounts to support the processing volumes you are requesting. 

Underwriters check the internet for reviews of the company and owners.  Perform a search yourself so you’ll know what’s being said.  Naturally, no company will have perfect reviews.  Still, respond to comments in a positive and polite manner, which demonstrates you care about good customer service. 

It’s helpful to the underwriting team when you include a short executive overview that answers questions about legal compliance and sustainable growth long-term. Emphasize that the majority of company profits are from product sales instead of selling new recruits expensive front-end training packages.

Once underwriting is complete, the MLM merchant account is approved.  The MLM payment processor issues your merchant identification number.  Then, you’re good to go.


Tips for Keeping  MLM Merchant Account Chargebacks Low

The first step in keeping chargebacks under control is to provide good customer service.  Make it easy for buyers to contact customer support.  Have a liberal refund policy.  Do the best you can to satisfy all reasonable requests.  Allow customer service reps to issue refunds or come up with alternative solutions for customers. 

Good communication is important.  Using a descriptor where buyers remember what was purchased keeps helps keep chargebacks low.  Send electronic receipts after purchases confirming the purchase and giving the descriptor which will appear on the card statement.  Also provide contact information, email address, and support phone number.

No matter how good customer service is, some buyers will call their card issuing bank to dispute a charge rather than the MLM merchant.  Early warning chargeback prevention services notify you when this occurs, allowing you to issue a refund before the dispute turns into a chargeback.  Once a chargeback does occur, chargeback mitigation services help fight chargebacks that you have a good chance of winning.

The card brands offer 3D Secure, which can be added to your MLM merchant account.  This extra level of security helps offload responsibility for some chargebacks back to the card brands.  3D Secure has been updated, streamlining the checkout process and making it easier to use. 


Why Choose PaynetSecure for your MLM merchant Account?

All accounts include the following features & benefits: 

  • PCI-DSS Level 1 MLM payment gateway. Safeguard your business and your customers.
  • Multichannel processing. Take orders online with a simple-to-install API. Process MOTO payments with virtual terminals.  Accept mobile payments.  Bulk process large files
  • US and international acquirers. Choice of banks lets you tailor payment processing to meet the specific requirements of your business. Load balance multiple MLM merchant accounts on a single gateway. 
  • Multi-currency processing. Accept payments from distributors & buyers world-wide. Inspire trust by displaying prices in familiar local currencies.  
  • Superior customer service. Get the answers you need when you need them.
  • Recurring billing. Unlimited customizable recurring payment plans are great for all goods & services sold on a regular basis. 
  • High volume MLM payment processor.  Get the processing capacity you need with no caps on volumes.
  • Fraud-fighting weapons. Robust protection against cyber criminals.

Let Us Work for You

Your Success is Our Mission

Payments power profits. PaynetSecure specializes in high volume & high risk merchant services. Over the past 18 years, the company has successfully provided proven, reliable & secure payments processing to thousands of US & international businesses. Securely accept cards payments. Add alternative payment methods that drive more orders and accelerate sales. Access specialized processing solutions designed to increase your profits, while reducing risk. Discover top notch service, dedicated support, and devotion to your complete satisfaction. Contact us anytime for a free, no-obligation consultation. Your complete satisfaction is our goal. 


PaynetSecure is a one-stop-shop to fulfill all your payment processing needs.


High risk?  No problem. We love high risk merchants. 

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