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Payment Processing


Multilevel marketing firms are a form of direct sales to customers to purchase goods. Rather than using online or brick and mortar stores, this method requires representatives to sell a company’s product within their own network.

Operating an MLM requires several ways to process payments. However, this unique business model is considered high-risk, only adding to the struggle of getting a merchant account approved.

What Do MLM Businesses Sell?

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MLM operations are spread across a variety of industries ranging from essential oils to private-label consumer goods. As an MLM contractor, you’ll pay a discounted price for goods to sell through your personal network. These goods can include:

  • Apparel
  • Jewelry
  • Home Products
  • Health Products
  • Toys
  • Entertainment
  • Beauty Products
  • Fitness Products

Regardless of what products or services you sell, you need to have the proper payment processor to accept these kinds of high-risk transactions. Finding the right payment processor can be a challenge though, since the MLM business is considered high-risk.

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Why Are MLMs Considered High Risk?

While MLM companies bring in large revenues each year, this hasn’t stopped banks and other prominent payment processors from denying merchant account requests since legal risks play a role in the industry. 

The other large issue? Chargebacks. If an MLM merchant account accrues a high enough ratio of chargebacks, banks and prominent payment processors will typically close the merchant account. This limited flexibility for a provider is why finding the right payment processor is critical. 

We at AllayPay never judge how merchants choose to make their living, which is why we go out of our way to ensure hard to place merchants obtain credit card processing and other merchant services they need to be successful.

For over 5 years, AllayPay has been one of the top providers of merchant accounts for multilevel marketing businesses. It doesn’t just stop at the approval process. AllayPay will ensure you have access to the latest software solutions and tools to help grow faster in this multi-billion dollar industry. This includes providing gateways that will automatically load balance your volume should you choose to have multiple processing accounts. What are you waiting for? Contact us today!

How to Apply for an MLM Merchant Account

To apply and get approved for a multilevel marketing merchant account with AllayPay, you’ll need specific documentation to begin your application process. Here is what you’ll need:

  • Driver’s license, or valid government ID
  • Last 3 Months’ Business Bank Statements, if available
  • Last 3 Months’ Processing Bank Statements, if available
  • Additional support may be requested
Apply Today!
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How AllayPay Can Help

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Getting access to several markets will be a top priority for your business. With AllayPay, we know the industry and can integrate a payment gateway that will work for you.
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Most merchant accounts you try to set up will have a long process, only just to be turned down at the end because you’re an MLM company.
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When you have a partner like AllayPay who understands the industry, we’ll help you so you don’t have to bend over backwards to set up your account.
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Within 24-48 hours, we’ll be able to integrate our payment process platform with any third party gateway, so you can get your business up and running as quickly as possible.
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Not only that, but we stay up-to-date on all compliances and rules set by the bank to ensure your account doesn’t get shut down.
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Starting Your Payment Approval Process with AllayPay

Getting started with AllayPay takes only a few simple steps. By following these instructions, you’ll be on your path to securing payments for your multilevel marketing business.

  1. Fill out the quick pre-application form online.
  2. Our sales representative will get in contact with you immediately to finish your application process.
  3. Take a break while underwriting does its process. This typically takes about 24-48 hours.
  4. After our staff has approved your application, we’ll contact you to get started on setting up your payment gateway and card present merchant account for your business.
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Process With Us Today

Don’t waste any more time trying to find the right solution. Regardless of your industry, poor credit, or lack of payment processing history, we’ll work with you to get you on track for quick and efficient payment processes.

Apply Now