Twenty years of payments for the industry banks don’t understand.
Merchant accounts, redundancy, and risk strategy built exclusively for MLM and direct selling companies — by the team that helped launch the largest in the world.
// Applying is free. Being with the wrong processor is not.
We know exactly how direct selling companies get into trouble.
Because every direct selling company faces the same five failure modes. Most processors discover them after your funds are frozen. We engineered around them twenty years ago.
The “no cap” that caps you.
A merchant agent or processor tells you there’s no volume cap. Then a handful of great leaders do exactly what great leaders do — and sales explode. Suddenly underwriting “comes in,” your funds are held, and your launch is suffocating. Why? The bank never understood that in this model, a few top leaders can produce enormous volume fast.
We set expectations with the bank before you process a dollar — diving into your launch plan, your leaders, and your rollout so underwriting is never surprised.
The convention spike.
When you hold your convention, you WILL process extraordinary volume in a very short window. With the wrong processor, that’s the weekend the terminals choke, transactions decline, and you’re making 911 calls from the ballroom floor instead of celebrating with your field.
Your processing is provisioned for the spike in advance. The terminals work. The sales go through. That’s the whole job.
The slowdown panic.
Volume doesn’t only go up. After a launch or convention, it cools — that’s the model. But a processor who doesn’t know direct selling sees a dip and reacts: new reserves, new reviews, new restrictions. The ups and downs are part of your business. They shouldn’t be treated as a crisis.
We work only with banks committed to the direct selling model long-term — partners who read your volume curve the way you do.
Chargebacks, bad affiliates, broken fulfillment.
Chargebacks happen. Bad affiliates happen. Downlines happen. Products don’t get shipped. In direct selling, refund and chargeback spikes aren’t a question of if — they’re a question of when, and whether anyone is watching before the card brands are.
You’re plugged into our network of risk-mitigation tools and active chargeback management — catching problems while they’re still fixable.
One merchant account, one company-ending risk.
Held funds bring down direct selling companies. Not bad products. Not weak comp plans. Frozen money. If your entire business runs through a single merchant ID, one underwriter’s bad morning is your existential threat.
Multiple merchant IDs across trusted banking relationships — so you can properly scale, with real redundancy built in from day one.
MLM owners have more sleepless nights than any other industry.
We know, because we’ve sat beside founders through every one of them — for twenty years. Some worries come with the territory. One of them shouldn’t.
We can’t remove every nightmare. We remove the one that kills companies: not knowing if your money will be there.
- Q.01Will the leaders stay?
- Q.02Will they promote it properly?
- Q.03Will the fulfillment centers come through?
- Q.04Will the funds be available? — Handled. That one’s ours.
What is going on with your payments?
Tell us your situation in a sentence, or tap an example. You will get straight advice and exactly which part of us can help.
Take payments every way. The right way.
Your field sells everywhere — your processing should too. One account, three channels, all watched by the same team.
Online
Enrollments, e-commerce, and autoship — recurring direct selling revenue flowing through a gateway-ready account built for your real volume, spikes included.
In person
Deliver the package, take the payment — your field's iPhone becomes the terminal with Tap to Pay. A card tap on the phone, done. No hardware, no waiting, no "I'll pay you later."
At events
Handheld wireless terminals provisioned for your convention floor — when thousands of distributors buy in one weekend, every terminal works and every sale goes through.
Keep your gateway. Keep your cart. We plug into it.
You should never have to rebuild your checkout to fix your payments. We work with all major gateways and nearly everything you are already running.
of all software platforms and checkout carts are supported. If your field is selling through it, chances are we already work with it.
We do not fit you into our box. We fit the hardware to you.
Most processors hand you whatever they stock and let you figure it out. We carry the full range and match it to how you actually sell, on the floor, at the booth, in the middle of a convention crowd, then program it and ship it ready to run.
Handhelds that survive the room
Wireless handhelds that keep working while your team walks a packed arena or convention hall, the exact place a weaker setup gets blocked or drops signal and the sale dies with it.
Nothing extra to carry
Take a contactless payment on the phone already in your team's pocket. Powered by our Dejavoo partnership with Tap to Pay on iPhone and iPOSgo.
The Dejavoo P8 family
The P8 wireless Android terminal family for booths, tables, and pop-ups, configured to your account before it ever leaves us.
Full point of sale
Clover systems and iPad setups for fixed tables and branded check-in, the hardware your team already knows, ready to run an entire operation.
Every device is programmed, configured, and supported in house. Your team does not set up payment hardware. They plug it in, or they click start, and it works.
Start with the account. Scale with the strategy.
Whether you're launching, scaling, or in trouble right now — there's a clear way in.
Get a direct selling merchant account.
A merchant account placed with banks that want long-term MLM partnerships — not ones that panic at your first big month. Multiple banking relationships, with additional MIDs for redundancy as you scale.
Apply Now→ Understand the direct selling model
→ Underwrite your launch plan up front
→ Provision for convention-weekend volume
→ Support multiple MIDs & redundancy
→ Commit to the relationship long-term
Launch Package
Launching a new MLM? Get every chess piece on the board before day one.
- Merchant services, set up correctly
- Full pre-launch audit — comp plan, leaders, rollout, fulfillment
- Expectations set with underwriting before you scale
- The playbook used to launch the world's largest MLMs
Trouble Review
Funds held? Chargebacks climbing? Refunds spiking? Account under review? Book a one-hour consulting call and get a direct read on what's happening and what to do next.
- Diagnosis of your current processing issue
- Chargeback & refund risk assessment
- Immediate next steps, no fluff
Fractional Payments Team
Your payments department, without the payroll. The advisory team that's plugged in before problems become emergencies.
- Multiple MIDs managed for scale & redundancy
- Risk mitigation network & chargeback tools
- Convention & launch volume planning
- A direct line to people who've seen it all
Led by payments expert Patricia Carlin.
For over twenty years, Patricia Carlin has provided merchant accounts and advisory services exclusively to direct selling companies. This team helped launch many of the largest MLMs in the world — including Jeunesse and FFI — before MLM was even a thing online.
We know your business, because we know the issues you will face — because every direct selling company faces them. The launch surge. The convention spike. The slowdown. The chargebacks. We've been on the inside of all of it, on the banking side and the merchant side.
That's the difference between a processor and a partner: one reacts to your business. The other already knows what's coming.
Launching an MLM? Get it right from day one.
Why take the hard road. Day one, you get the processing volume you need, packaged the right way, with the questions that sink new companies answered before underwriting ever sees them.
Fully refundable the moment you process your first transaction.
We review the setup, fix the bank messaging and packages, and answer the hard questions first.
$500 REFUNDABLE ON FIRST TRANSACTION · $5,000 REVIEW INCLUDED · 99% APPROVED
Have a deal? Refer it. Get paid. Never worry about us taking it.
Two ways to work with us, both built on the same promise: your relationship stays yours. We handle the payments, you keep the client.
Agents
Have a deal? Refer it to us and make money, without ever worrying about us taking it. We are loyal, we are trusted, and we will do whatever it takes to get the deal approved, keep it live, and keep your merchant protected, so they keep referring business to you.
Partners
Software companies and platforms with deals they would rather hand off than service. Pass them to us and earn, while your clients get a payments team that actually understands direct selling and treats your name like it is on the account too.
Answers for direct selling founders.
The questions MLM and network marketing owners ask most about merchant accounts and payment processing.