MLM Payment Gateway and Credit Card Processing Provider

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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 ?



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


99% approval

Having trouble getting approved for your high risk merchant account? Did you know HighRiskPay approves 99% of all applicants!



HighRiskPay understands that time is money. Entrust us yours and we’ll be sure to make it worthwhile! Apply Today and Be in Business Tomorrow!

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Using High Risk Pay As Your MLM Merchant Account

High Risk Pay offers high-risk merchant accounts to businesses typically considered ‘high risk’ by banks so that you can process payments (in particular, credit card payments) regardless of your credit status. 

High Risk Pay is a comprehensive solution tailored to MLM merchants. With us, you won’t need to worry about accepting credit cards as a form of payment. 

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.

Do you personally have bad credit? We can still accept your application. For example, if you have defaulted on a loan, declared bankruptcy, or had a mortgage foreclosure. Even in these cases, you will still be able to open an MLM payment gateway account with High Risk Pay. We have a 95% approval rate for bad credit merchant accounts. As long as you are truthful in your application, we want to hear from you. Managing payment processing for high-risk business owners is definitely our strong suit. 

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.

Handling Payments and Card Processing for MLM Merchants

While the MLM industry is made up of many reputable companies, several banks have concerns about potential chargebacks, legal liabilities, and what they consider to be unpredictable growth patterns. That’s why the best multi-level and direct sales companies use specialized MLM payment gateways to ensure they can always do credit card processing and receive payments from any customers without issues. 

It doesn’t matter if you have been rejected or terminated by other processors. We want to see the potential of your business, not focus on your past. 

But why are MLM businesses deemed high-risk? When your business accepts payments online, there is always a risk of fraud, false refunds, and stolen cards. The fault is not with you; customers change their minds and/or dispute payments. If you accumulate enough chargeback fees or penalties over time, major credit card processors might no longer want to do business with you. 

The way to get around these limitations is to use a high-risk payment gateway. MLM companies, in particular, can benefit significantly from MLM payment gateways that specialize in payment and card processing solutions for this specific industry. 

Why You Should Use an MLM Merchant Payment Gateway

Multi-level marketing companies, or MLMs, are classified as ‘high risk’ by most payment processors. Using an MLM payment gateway offers several advantages for multi-level and direct sales merchants. First of all, a gateway can help you have faster and more reliable transactions.

A payment gateway is a technology to connect merchants to banks or payment networks. Companies mainly use payment gateways to process credit cards and other means of payment (like Paypal and eWallets) more easily. Multi-Level Marketing companies frequently use MLM payment gateways to ensure easier processing, particularly those specializing in direct or network marketing. 

As a business owner, you need to be able to take credit cards as a form of payment. Banks are generally happy to provide this service, but they need to limit their exposure because customers can use stolen credit card numbers or deny charges for products they bought. This is why many payment processors prefer not to offer accounts to MLM merchants. 

When you use an MLM payment gateway, the payments go first to the gateway, which sends them to a payment processor or acquiring bank. In addition, payment gateways like High Risk Pay have robust fraud detection features for card processing, so you can prevent problems with payments before they even reach the bank. 

MLM payment gateways can also help you serve more customers and provide better quality customer experiences. For example, you can take payments from people that live around the world and grow your customer list with a truly secure system that accepts different means of payment (like eWallets and Paypal), so you can sell in person, online, or over the phone.  

Frequently Asked Questions

Which is the best payment gateway?

Choosing the best payment gateway depends on a number of factors, but most importantly the type of business. For example, High Risk Pay is among the best payment gateway for e-commerce businesses. Tons of experience 

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.