MLM Merchant Account and Credit Card Processing Provider
Comprehensive merchant account services for multi-level marketing companies

SUPPORTING HIGH-RISK MERCHANTS
Payment Solutions for Multi-Level Marketing Companies
An MLM company (or Multi-Level Marketing company) sells products directly to consumers using a network of independent representatives or business owners. These types of businesses may find it challenging to process credit card payments, as they can be seen as risky endeavors. Many financial institutions go to great lengths to avoid giving MLM companies a merchant account. However, High Risk Pay has built up a wealth of knowledge and resources over the years of offering payment processing services to high risk businesses across multiple industries.
We can help you process all your payments securely. We specialize in credit card and payment processing for high-risk merchant accounts, multi-level marketing companies, and direct sales businesses. Contact us now to get your MLM merchant account set up today!
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Why choose High
Risk Pay as your merchant
services provider ?


SPECIALIZED IN HIGH RISK
We offer high risk merchant accounts to all business types in high risk categories.

99% APPROVAL
We offer high risk merchant accounts to all business types in high risk categories.

FAST APPROVAL GUARANTEED
We offer high risk merchant accounts to all business types in high risk categories.
Benefits of High Risk Pay’s MLM Merchant Account
Seamless Credit Card Processing for MLM Businesses
High Risk Pay offers specialized high-risk merchant accounts tailored for MLM and direct sales businesses. We understand the unique challenges you face, allowing you to process credit card payments reliably, regardless of your credit status. We remove the barriers banks often create for MLM companies due to concerns about potential chargebacks, legal liabilities, and perceived unpredictable growth.
Competitive Fees
Many high-risk merchant and MLM payment gateway solutions have high fees. High Risk Pay doesn’t punish people for choosing a multi-level and direct sales business. Our fees are similar to traditional credit card processors, so you can support multiple payment methods and be more protected against fraud.
High Approval Rates, Even with Bad Credit
Do you have bad credit? We can still accept your application. We have a 95% approval rate for bad credit merchant accounts. If you’ve defaulted on a loan, declared bankruptcy, or had a mortgage foreclosure, we still want to hear from you. We focus on your business’s potential, not just your past.
Robust Fraud Protection and Chargeback Prevention
When your business accepts payments online, there is always a risk of fraud, false refunds, and stolen cards. MLM businesses are particularly vulnerable to chargebacks. Our MLM payment gateways have robust fraud detection features for card processing, so you can prevent problems with payments before they even reach the bank. We also have a Chargeback Prevention Program to protect your revenue.
Fast and Reliable Transactions with Specialized Payment Gateways
An MLM Payment Gateway allows you to securely and efficiently process credit card and electronic payments from your customers. Our payment gateway connects you directly to banks and payment networks, ensuring faster and more reliable transactions. This technology allows you to accept credit cards, e-checks, and other payment methods, expanding your customer reach and improving customer experience.
Global Payment Capabilities and Expanded Customer Reach
Serve more customers worldwide with our secure system that accepts various payment methods. Grow your customer list by selling in person, online, or over the phone, expanding your business beyond local limitations.
If you are looking for a trustworthy MLM payment gateway, you’ve come to the right place. We make the process easy and fast, apply today for your MLM merchant account and see your business take off in less than 24 hours.
WHO WE SERVE
High Risk Merchant’s We Serve
Flexible Payment Processing Solutions for Your MLM Business
High Risk Pay supports a variety of payment processing methods to acommodate the diverse needs of your MLM business. Whether you sell online, in person, or through a combination of channels, we have the solutions to help you accept payments securely and efficiently.
- Retail Payment Processing: If you’re a retail business and need an ecommerce merchant account to accept credit card payments in-store, we offer solutions like traditional credit card terminals, wireless terminals, and POS system integration.
- Mobile Payment Processing: For businesses that need to accept over-the-phone credit card payments or process transactions on the go, we offer mobile payment options, including iPad and mobile phone credit card swipers.
- Virtual Terminal Payment Processing: If you need to accept payments over the phone, via mail, or on your computer with a virtual terminal merchant account, our secure online portal allows you to process transactions manually, with features like recurring billing and customer data storage.
- Websites and eCommerce Payment Processing: For businesses that need to accept credit card payments via their own eCommerce website, our payment gateways integrate with most major shopping carts, providing secure payment solutions for online stores and websites.
No matter how you sell, High Risk Pay has the payment processing solutions to support your MLM business growth.

MLM Merchant Account Frequently Asked Questions
What is an MLM merchant account?
An MLM merchant account is a specialized bank account that allows multi-level marketing businesses to process credit and debit card payments and other electronic transactions, overcoming the challenges traditional banks often pose to MLM companies.
Why is my MLM business considered high-risk?
MLM businesses are often classified as high-risk due to factors like higher chargeback rates, complex commission structures, and perceived instability, making it difficult to secure traditional merchant accounts.
How much does an MLM merchant account cost?
Contact us for a personalized quote tailored to your business needs.
What types of MLM businesses do you work with?
We work with a wide range of MLM businesses, including those in health and wellness, beauty products, direct sales, party plan, and more, and have experience with various niches and business models.
Why choose HighRiskPay for your MLM Payment Gateway?
At High risk pay we go above and beyond to make sure that all our clients’ needs are met. Years of providing merchant services, making sure that they are able to conduct their business virtually with minimal interruptions. We bundle all services, making sure we are one stop shop all while offering clients the best rates in the business.
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