High-risk merchant account

MLM & direct sales merchant accounts

Network marketing moves fast and refunds often — and banks read both as danger. Distributor autoship and rapid growth spikes are exactly what get an MLM’s processing shut down.

MLM models carry reputational and refund risk that banks watch.
Distributor volume and recurring autoship raise chargeback exposure.
Rapid growth needs multi-MID capacity to avoid caps.

✓ 24-hour approvals✓ Keep your bank✓ No shutdowns

The problem

Why MLM & direct sales keeps getting shut off

You need an acquirer that accepts the direct-sales model, recurring autoship billing that won’t get flagged, and multi-MID capacity so a good month doesn’t trip your caps.

Greenlit places you with a bank that approves MLM & direct sales on purpose — and keeps you there.

What you get

Built to keep you processing

24-hour approvals

Bank-driven underwriting, not instant-freeze aggregators.

Chargeback defense

Visa & Mastercard alerts with automated dispute responses.

Multi-MID balancing

Spread volume across banks so caps never freeze you.

Keep your gateway

NMI, Authorize.net and 200+ integrations supported.

24–72htypical approval time

2.5–6.5%typical processing rate

5–20%rolling reserve range

~1%dispute ratio threshold

Typical industry ranges. Your exact terms depend on the acquiring bank and your business profile.

Answers

MLM & direct sales payment questions

Can you approve MLM and direct-sales companies?+

Yes — we match network-marketing and direct-sales businesses to banks that accept the model.

Do you support autoship and recurring orders?+

Yes, with recurring billing, chargeback alerts and multi-MID load balancing.