Distributor networks and recurring commissions look risky to ordinary banks. Structure underwrites MLM and direct-sales merchants with the recurring-billing and payout tooling the model actually needs.
Multi-level marketing companies have existed for decades — Avon and Herbalife among them — yet processors still classify the model as high risk, and many banks will not take the account at all.
The difficulty is structural rather than reputational: commission disbursement, distributor networks and recurring billing do not fit the template a mainstream underwriter uses. Structure Payments builds the account around the model instead.
Whatever your distributors sell, the payment side works the same way.
Six characteristics of the model that a generic processor reads as risk.
MLM operations work under stringent standards, and a processor without specific expertise will misread ordinary compliance activity.
A recruitment-driven sales model produces elevated chargeback rates, which needs advanced fraud detection rather than a lower risk tolerance.
Payouts to distributors and recurring product billing both have to be supported natively, not worked around.
Traditional processors hesitate over the sales structure itself. Underwriting that understands the structure removes the objection.
The category carries negative perception regardless of how a specific company operates. A processor that already works with MLM does not need convincing.
Chargebacks spike when companies in the sector close abruptly, so ratios are assessed against how the category actually behaves.
No drawn-out underwriting theatre. A real person, a real timeline, a real approval.
One short form and a quick document upload. Your dedicated rep reviews it the same day — no call-center runaround.
We match you to the right banking relationship and gateway for your industry, chargeback history and volume.
Credentials, gateway and cart integration go live. You're accepting cards — usually within about 48 hours of applying.
Yes. Multi-level marketing and direct sales companies can be approved through a high-risk processor that underwrites the model deliberately, including commission disbursement and recurring billing. Most accounts are live in about 48 hours.
Because the sales structure itself looks risky to a traditional underwriter: recruitment-driven growth, distributor networks and commission payouts sit outside the template they price against, and the category has a history of companies closing abruptly.
Yes. Accounts are configured for commission disbursement and subscription billing as standard, because both are core to how MLM businesses actually operate.
We do everything possible to get you approved, and most merchants are processing within about 48 hours. No obligation to see your real rate.