MLM and direct sales companies rely on independent distributors and recurring sales models, which creates unique payment risk. Banks often classify MLM businesses as high risk due to refund obligations, distributor chargebacks, and regulatory scrutiny.

Many processors decline MLM merchants outright because they lack experience underwriting compensation plans, distributor activity, and compliance frameworks.

SMB Global specializes in MLM merchant processing. We work with acquiring banks that understand direct sales structures and help merchants align processing with refund policies, distributor behavior, and compliance requirements—improving approval rates and account longevity.