MLM Credit Card Processing

Are you struggling with MLM merchant account issues like freezes, holds, or shutdowns? Get the fastest safest way to process payments with Creditly.

Accept MLM Payments TODAY!

If your MLM merchant account was shut down today and you could no longer accept credit cards, how long could you keep the doors open?

Everyday basic payment facilitators and companies like Stripe, PayPal, Square, Shopify, etc. Shut down thousands of accounts.

It’s not a matter of IF you’ll get shut down, but WHEN…

If your provider held your money for 90+ days, would you survive?

Could you make payroll if they placed a 10% hold on your account?

It’s time to upgrade to Creditly.

Creditly helped us get access to a payment processor when others could not. They were super helpful and got us up and running faster than expected. Highly recommended!

Joseph Dubois

Co-Founder

We needed access to multiple processors, and Creditly delivered. It's good to know we have a partner that will stand behind us as we grow and expand our locations.

Jody Martinez

SAS & Travel

Our high risk business needed help after Stipe held up payments. Creditly got us approved. I'll never go back to using Stripe or PayPal.

What Other Features Does Creditly Offer?

Credit Card Processing For Multi Level Marketing

Multi-Level Marketing (MLM) business owners often sell their products in person, but it is even more common today to sell online in Facebook groups or other social media networks.

This means they need to have the ability to accept cashless payments.

ARE MLM BUSINESSES CONSIDERED HIGH RISK?

MLM businesses are considered “high risk” by banking and credit card institutions. This is due to the industry being classified as direct sales.

MLM businesses can also run into issues with chargebacks, returns, and disputed charges.

COMMON ISSUES WITH MLM MERCHANT ACCOUNTS

A merchant account provider processes all types of cashless payments including checks, credit and debit cards, online, and mobile payments.

There are many merchant account providers to choose from to process cashless payments, but not every merchant account provider accepts high-risk businesses.

Even if a merchant account does accept high-risk businesses, they may charge additional fees for their service.

MLM business owners should choose a merchant account that is secure and affordable, and familiar with the needs of their business.

Creditly specializes in offering payment processing services to high-risk companies, including MLM businesses.

WHAT TO DO IF YOU NEED CREDIT CARD PROCESSING FOR YOUR MLM BUSINESS

A merchant account is necessary for a business to begin accepting cashless payments, including credit, online, mobile, or check.

In addition to handling payment processing, the right merchant account and payment processor can simplify recording and accounting.

Creditly specializes in high-risk industries and has experience in working with MLM businesses.

Creditly offers payment processing that is easy to use, cost-effective, and secure.

Click here or call us at 877-307-7711 to get started. We’d love to hear from you.

MLM CREDIT CARD PROCESSING

A merchant account is a specific type of bank account that allows merchants to accept payments. Typically, a merchant account is used for credit card processing and eCheck processing but can be used for a variety of payment processing needs. To get a merchant account, one must submit an application with a merchant account provider.

These merchant account providers work with acquiring banks, such as Chase and Wells Fargo, to provide merchant accounts to businesses looking to process credit card payments.

There are multiple types of merchant accounts depending on how the bank categorizes the industry of the merchant. If the merchant account is used for card not present (CNP) or ecommerce transactions then it must be integrated with an online payment gateway. Otherwise, a physical terminal is required to capture payment information.

Creditly Offers...

CREDITLY WORKS WITH…

Creditly works with all kinds of merchants, including, what the banks call, “high risk” merchants. These merchants happen to be in an industry that the banks label as high risk which means that they have a higher likelihood of chargebacks, disputes and fraud.

The most common reason for this is card not present transactions which present a higher risk of fraud. These merchants can have a particularly hard time finding a high risk merchant account because a lot of payment processors refuse to participate in high risk processing.

Even if these merchants find a “high risk payment processor” they can still frequently deal with holds or freezes on their money and shut down merchant accounts. This is where Creditly saves the day by finding them a high risk merchant account provider that wants to work with their business and providing them with all the resources to meet their high risk credit card processing needs.

WHAT creditly PROVIDES: MERCHANT ACCOUNTS

Creditly provides merchant accounts specifically tailored to a merchant’s industry. We do this by leveraging our banking relationships to apply for merchant accounts on your behalf.

However, we do not just apply for any merchant account, we use providers who want to work with your business model and underwrite their merchants. This is important because it lays out all the cards on the table and ensures that a provider gets to know who you are and your business model before working with you.

That way they know what to expect moving forward. This strategy guarantees that we find a merchant account provider that wants to work with you, making the likelihood of holds, freezes, and shutdowns, much less and providing stable credit card processing.

Another benefit to this are you get to avoid the nightmare that applying for merchant accounts can be. Not only do most merchant account providers do very little underwriting, but it can take many applications before you find a merchant account that is good for you.

Each application that you send out hurts your chances of getting approved for the next because multiple applications make you look desperate to a provider which they perceive as high risk.

AFTER YOUR MERCHANT ACCOUNT IS SET UP

After we get you set up with your first merchant account, we recommend getting you an additional merchant account if you have over $250,000 in sales volume a year. This is to ensure stable payment processing.

Even though Creditly takes all the precautions to prevent you from experiencing a hold, freeze, or shutdown, we can never know how banks might act in the future.

If they hire someone new or implement a new algorithm, your account could have action taken against it. In the event of this, if you have a second merchant account that is already up, and running and processing payments, you can pivot your revenue stream to this account and avoid holds, freezes, and shutdowns all together.

Now all of this may seem complicated and a lot of work, and it would be if you were doing this on your own. However, if you are working with Creditly, we manage all of this for you making your role in all of this very easy.

We even assign you your very own Certified Payment Specialist (CPS), who will monitor your merchant accounts for you, giving you one point of contact for all of your merchant processing needs.

HOW TO GET A MERCHANT ACCOUNT

The first step on your path to a new merchant account is to start with the Creditly application or if you would rather chat with someone to find out more, call us at (877) 307-7711*. We can get you set up in as little as 2 DAYS!

*Tip: It’s easy because we can fill out your application for you!

Choose the right Merchant Account for your business:

What Creditly Can Do For You

At Creditly your journey will begin with your application which we use to collect information about you and your business to match you with the right merchant account provider. From there you will be connected with your very own New Client Specialist (NCS) who will help you complete this application and will be your contact to answer all of your questions.

Once we have the necessary information and have assessed your business model, you will be classified as a Gold, Platinum, or Diamond merchant based on your unique payment processing needs. After this, you will be introduced to your Certified Payment Specialist (CPS) who will be your one point of contact for all of your payment processing needs.

This ensures that when you call, you are talking to someone that you know and who knows you and your business. They will apply for merchant accounts on your behalf and help you set up your new merchant accounts and your online payment gateway.

After that, you will be ready to start accepting payments. Your CPS will monitor your accounts and keep in contact whenever you want to chat or if they need to alert you of something that requires your attention on top of annual merchant account reviews.

How Creditly Can Help You

We pride ourselves on making your life easier and facilitating the growth of business across the globe. We have been doing this successfully for years and have helped countless businesses achieve their full potential, just check out some of our testimonials. More importantly, Creditly would love to play it’s part in helping you achieve your goals and service your consumers smoothly. if you’re interested in working with us, you can start your application below or call us at: (877) 307-7711 | Get Set-up with a Merchant Account »

MLM Credit Card Processing FAQ

What is MLM credit card processing?

MLM credit card processing is the ability for Multi-Level Marketing (MLM) businesses to accept credit card payments from their customers and members for products and services, and for the payment of membership fees.

Why would an MLM business need a specific credit card processor?

MLM businesses may be considered high-risk by traditional merchant service providers due to the potential for chargebacks and disputes that may occur from customer complaints or disputes. Specialized credit card processors that work with MLM businesses may be more willing to provide merchant services.

Are there any additional fees associated with MLM credit card processing?

There may be additional fees associated with an MLM credit card processing, such as higher processing fees or a higher monthly account fee, to cover the additional risk associated with the industry. It’s important to carefully review the terms and fees of any merchant account before signing up to ensure that you fully understand the costs involved.

What type of card readers are compatible with MLM credit card processing?

There are several types of card readers that are compatible with MLM credit card processing, such as the Square card reader, PayPal Here card reader or any other card readers that connect via Bluetooth or a lightning port and typically accept magstripe, chip, and contactless payments.

Are there any security measures that MLM credit card processors put in place to protect customer data?

Yes, MLM credit card processors generally use several types of security measures to protect sensitive customer information, such as SSL encryption to protect data transmitted over the internet, PCI compliance to secure data stored on the merchant’s server, and fraud detection and prevention tools to reduce the risk of fraudulent transactions.

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Need to Know Merchant Account FAQ

If you want to know more about payments, pricing, or solutions to problems you are experiencing, we are always ready to help you.

What industries does Creditly work with?

Creditly helps businesses access high risk payment processing, but we also work with mid-risk and low-risk companies.

Here is a short list of some business verticals we service:

Antiques & Collectibles
Apparel & Clothing
Bad Credit
Bus Lines
Cannabis Support Businesses
Caterers
CBD Oil & CBD Products
Continuity Products and Subscription Boxes
Credit Repair
Credit Monitoring
Debt Collection
Digital Streaming
Document Preparation
Fantasy Sports
Firearms & Ammunition
Furniture & Home Furnishings
Health & Beauty
Hotels & Lodging
Insurance / Warranty
Legal Services
Magazine Subscriptions
Medical Billing & Coding

Medical Supplies
Membership & Recurring Billing
MLM Companies
Transportation & Moving
Non-Profit
Nutraceuticals
Pawnbrokers & Pawn Shops
Pet Products
Precious Metals
Property Management
SaaS Companies
Seminars & Coaching
SEO / SEM / Ad Agency
Smoking Accessories
Sports Betting
Survivalist & Tactical Gear
Telemedicine
Tobacco & Cigar
Travel & Timeshare
Vape / e-Cig / eJuice
Veterinarians
Web Design & Development

Why is my business considered high risk?

“High Risk” is a banking industry term. It’s important to note that there are many business models that are seemingly low risk, but fall into the high risk category.

There is nothing wrong with being considered high risk and there are many factors that contribute to risk.

When a consumer buys an item with a credit card, they are given 6 months from the date of receiving the item to dispute the charge.

If your business is no longer operating, who do you think has to refund that money? The processor. This is where risk is created.

Certain businesses, marketing models, and industries have a higher rate of chargebacks, where they get labeled as high risk.

Even if your business is perfect, has never had a chargeback, and operates 100% “by the books”, you could be labeled high risk if you’re business or industry falls into a high risk category.

There are 3 main reasons a business can be considered high risk.

The business has a greater chance of chargebacks occurring
The business model may be new or legally regulated
The business accepts a high number of card not present transactions (over the phone, email, eCommerce)

Do you provide merchant account services outside of the USA?

Creditly offers merchant account services for the USA and Canada. We are always working to expand our areas of processing and hope to serve a greater area in the near future.

Can my startup or new business be approved?

We have worked with many new brands and start-ups to get them approved and running. However, banks like to see a long history of transactions and an established history with a merchant before approving them.

But, that does not mean we can’t get you approved. Reach out to us today and we will walk you through your options.

How long does it take to get approved for a merchant account?

Once all of the necessary documents have been received, it typically takes 1-4 days to get approved.

Occasionally accounts can be approved in less than 24 hours, our team will work as quickly as possible to get your account up and running.

Ecommerce

High Ticket
High Volume

Informational Products

CBD & Hemp

Enterprise

Multilevel
Marketing

Nutraceutical

E Cig Merchant Accounts

Adult industry