About PayDiverse

Multi-level marketing, or MLM, merchants work under a business model that differs greatly from traditional retailers. MLM companies operate without storefronts or e-commerce stores and rely solely on independent direct distributors to market and sell products through their own independent websites and online or in person sales parties. These independent distributors are relied upon to recruit more distributors to work under them and are paid a small percentage of the sales their recruits make in addition to their own commissions. Many MLM companies are labeled a pyramid scheme due to this business structure, and as a result, are labeled high-risk by traditional banks and merchant account providers. The industry itself also has an unfavorable history, with many instances of companies fraudulently signing up distributors to sell services that are of either low quality or that do not exist, simply to force the distributors to pay expensive start-up fees. PayDiverse offers multi level marketing merchant services that are both cost-effective and reliable.

Facts About the Multi-Level Marketing Industry

80%

MLM businesses

Multi-level marketing businesses are 80% more likely to succeed than traditional small businesses

$2bn+

Annual revenue

The top 10 most notable brands generate more than $2bn in sales annually. Brands include Amway, Avon, Herbalife, Vorwerk, Mary Kay & Tupperware.

High Risk Multi-Level Marketing Merchant Services

Merchants dealing in the following goods can benefits from our services:

Despite the obvious success and consistent growth the MLM industry has experienced, traditional banks and merchant service providers continue to label the industry high-risk. The industry’s association with pyramid schemes presents a serious legal risk that the traditional banks aren’t willing to take on. Many multi-level marketing companies sign their customers and distributors up for recurring billing plans, which creates a high risk for chargebacks and declined transactions.

Additionally, distributors may sign up and find that they are not successful when it comes to sales which may lead to some initiating unwarranted chargebacks on the company to regain their initial investment. PayDiverse can offer high-risk merchant accounts to MLM companies who have struggled opening accounts with traditional banks and merchant service providers.

Merchants who sell other products may be a good fit with PayDiverse’s high-risk merchant services, as well. Merchants who do not see their products or services listed here should contact PayDiverse to discuss account options.

Chargeback Protection for Multi-Level Marketing Merchants

Award-Wining Fraud Prevention

Multi-Bank and Offshore Processing

How to Apply for Multi-Level Marketing Merchant Services

If you are an MLM merchant who has been declined by traditional banks and merchant service providers, PayDiverse can help. Our payment solutions have been specifically designed for high-risk merchants in industries just like yours. Our industry-leading solutions have been thoroughly researched, and with over 40 banks in our network both offshore and in the United States, we can provide your business with banking solutions that are best suited to the needs of your business.

Applying online is simple. Just fill out our secure application form, electronically sign your applications and submit the requested supporting documents. PayDiverse’s underwriting team will review your application and we provide you with a response within 24 hours of receiving your supporting documents.

Upon approval, PayDiverse can have you set up to begin accepting credit and debit card payments, as well as ACH/e-check payments, within 48 hours. Additionally, you’ll have full access to our online account management portal which allows you to access your fraud prevention tools and chargeback alerts in real-time.

To increase your chances of approval, be sure to complete your application in full and to provide answers that are truthful and accurate. Before applying, ensure none of your account balances are negative – the higher they are the better you will look in the underwriter’s eyes. Also, ensure all bills are up to date and there are no collections against you or your business. Our underwriters are looking for competent business owners and managers with no history of fraud or other red flags.