Get The Top Multi-level Marketing (MLM) Merchant Account

If you’re looking for an organization that can help you with payment processing and to set up your Multi-level Marketing business, then the eMerchant Authority is the right company for you.

We Work With: Merchant Payment Options

Get Your Merchant Account Today

No Obligation
Rates as low as 1%

*Rates quoted as the % above normal card interchange
costs, dues, fees, and assessments.

Why Do MLM’s Need A Merchant Account?

Multi-Level Marketing (MLM) companies began operating in the early 1980s, where they would sell pretty much anything directly to vendors. These companies work in the following way: an individual takes on the role of the supplier and sells it to different vendors, then that individual expects a commission on every product sold through the vendors. 

Further, those vendors who become attached to MLMs tend to get products at lower prices which they can sell forward at a certain profit margin. These vendors can also extend the chain and have their own retailers to sell the products to. Today, there are millions of people who work through such a framework and earn a living. Many enterprises enter as MLMs and get millions of vendors to sell their products through.  

However, it is then important for the MLMs to sustain this business model. In order to do so, they have to keep their transactions and credit scores secure. This is where the accounts come in. They have to get an MLM merchant account so that their enterprises stay profitable. You can also get an MLM merchant account for any of these goods and services: 

Book MLM Merchant Account


Mulit Level Marketing Cosmetics


Clothing Icon

Clothing & Attire

Health Products Merchant Account

Health Products

Alcohol Merchant Services

Wine & Alcohol

Decore Items

Decor Items

MLM Credit Card Processing

Children’s Products

MLM Credit Card Processing


House Hold Items Pyramid Scheme Merchant Account

Household Items

An MLM merchant account is categorized as high risk. This is important to remember when you’re looking for a company to help you set the account up for you. There are several reasons for this categorization. However, there are companies that can help you get the account safely and securely. eMerchant Authority is one such company and one of the best ones for that matter. 

Use our fast application to get a custom tailored merchant account that fits your needs.

Lets Look At A Why ‘MLM Businesses’ Are High Risk

Chargebacks are very common for MLM merchant account holders. This is also one of the main reasons why MLM merchant accounts are categorized as high risk. Thus, it is likely that the process to get a bank to approve your particular MLM account will be a little difficult, which is why you need a company like eMerchant Authority to help you out. 

Chargebacks can also become huge legal matters since they involve customers claiming a payment that was wrongly made by their credit cards or a reason like getting the wrong delivery. It can start a series of investigations and processes that put down many banks from giving you an account. 

One of the most frequent things that happens is that a company gives a new vendor lots of discounts or rewards rather than real products, which means they don’t have anything to sell. This is how they scam many vendors and claim commissions on things that do not even exist. This makes an MLM business very ill reputable. 

Other things include incomplete contacts, misinformation, or a lack of products themselves. Thus, since such cases exist, those who work legitimately get trouble from banks and other institutions, and it becomes difficult for them to acquire a channel for secure payments. 

Do I Need A Merchant Account For My Multi-Level Enterpise?

MLM businesses are booming in America. More than 20 million individuals were working as MLM merchants in 2019 alone. This is a significant increase from 2018, and the ratio only keeps going up. Billions of dollars are transacted through this structure, but banks are still skeptical since it is considered a high-risk contract for them to enter. The biggest reason, as mentioned earlier, is the legality matter. 

Most banks don’t want to deal with tough legal issues over accounts, so they don’t approve of MLM merchant accounts very easily. It is also because there is uncertainty with MLM merchants as to how quickly they will grow or what their yearly projections would be. Thus, making the accounts all the more high risk. 

However, in no way does it mean that MLM businesses are not functional or successful for that matter. They do have the capability to make secure online payments. However, it then does not come from a traditional banking institution but rather a payment processing company like eMerchant Authority. 

Companies like ours work with experts who know what they are doing and can help you with all your payment processes and credit card issues. We are also flexible with payment options, unlike some other companies who may charge lots of fees that are unaccounted for. So, if you wish to start up an account with us, you can simply apply through our website.  

Does The High Risk Factor Matter, and How Does eMerchant Authority Help Me?

The high risk factor does matter since most MLM merchants have an ill repute for not complying with the law. The use of pyramid schemes is an unlawful way of acquiring money, which lots of MLM businesses do, and so a whole lot of money is lost. So, it becomes difficult to navigate through the high risk factor to create an account for your legitimate business. 

Since the frequency of illegality is high, many banks would want to go through a thorough check-up of your contracts and documents. You will also be checked for your products and what price you have set for them. Along with lots of other queries, the application process can be a little scrutinous, but it is necessary to get as secure an account as can be.  

eMerchant Authority is one of the leading companies that assist MLM businesses in securing MLM merchant accounts for them. We help out the company through the entire process of documentation, credit reports, and business structures so that the MLM merchant can get the best and most secure MLM merchant account for themselves. 

Features of an eMerchant Authority MLM Merchant Account

You can start the process of opening a high-risk MLM merchant account with us today.

At eMerchant Authority we know that time in the network marketing business is money, so we do our best to approve your account as soon as possible. Our MLM merchant accounts are approved within 3 to 7 business days, and you can believe us when we say that this is pretty fast for a high-risk merchant account.

Other features you can expect to come with your multi-level marketing merchant account include:

Chargeback thresholds – As mentioned earlier, we know that chargebacks are very common in multilevel marketing businesses. This is the reason why we work with you to lower your chargeback ratio and the occurrence of refunds instead of closing your account without warning.

Thorough underwriting – Our detailed underwriting ensures your business doesn’t suffer from constant account closures or freezes

A range of products and services – We work with all companies in the MLM industry, even those who aren’t permitted by standard payment processors or financial institutions. Whether you sell cosmetics, household items, or children’s products, as long as you run a legitimate business, you can rest easy knowing that we have an MLM credit card processing account for you.

Global expansion – with an eMerchant Authority MLM merchant account, you can expect greater freedom so that you can expand your business across international borders. With this account, you can receive different credit cards payments, mobile payments and cash in multiple currencies which allows you to pursue commerce internationally.

Dedicated support – At eMerchant Authority, we have a reliable and knowledgeable support team who understands the specific needs of multilevel marketing businesses. Our dedicated account managers are always available to provide guidance and support to any of our MLM customers.

Need A Merchant Account Quick?


eMerchant Authority prides itself in being a leader when it comes to the provision of merchant account solutions. We provide merchant account services for both low and high-risk businesses.
Our services are secure and reliable.

Besides, we understand just how financially difficult it is to become a business owner. This is why when you partner with us you also enjoy transparent pricing with no long-term contracts or hidden fees.
Whether you’re a startup or an established business, you can count on us to provide you with a perfect merchant service solution with the latest hardware and software tools such as Clover systems that are perfect for your retail payment needs.

And because customer satisfaction is what we aim for, we offer ongoing support to all our customers. Our 24/7 customer support team is always on call to answer your questions and attend to your needs.
Still interested?

Here are other additional benefits that you receive when you apply for an internet merchant account with eMerchant Authority.

Merchant Processing

Merchant Account Experts

20+ Proven Bank Relationships
Medium/High-Risk Accounts
Fast Merchant Account Approval
E-Commerce & Retail Options
B2B Vendors Supported

Multiple Payment Processing

Multiple Payment Solutions

Multiple E-Commerce Gateways
Chargeback Prevention
ACH, E-Check, Credit Cards
B2B Level 2/3 Data Discounts
3D Secure Frictionless Checkout
Mobile Payments
EMV Readers

Merchant Processing Technology

Intuitive Technology & Support

Gateway Recurring Billing
E-Commerce Cart Plugins
International Merchant Accounts
Dedicated Account Managers