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Why MLM need Specialized Payments
Every major payment processor treats MLM and network marketing as high‑risk due to high chargeback rates, fluctuating volume, and regulatory scrutiny. As a result, MLMs that try to run on generic platforms like Stripe or PayPal often face frozen funds or sudden account shutdowns once their model is reviewed.
Chargebacks & Subscription Cancellations
Autoship, continuity programs, and “business opportunity” expectations lead to higher‑than‑average disputes and refunds.
Friendly fraud is common when distributors or customers claim they did not authorize recurring charges or did not receive promised value.
Autoship, continuity programs, and “business opportunity” expectations lead to higher‑than‑average disputes and refunds.
Friendly fraud is common when distributors or customers claim they did not authorize recurring charges or did not receive promised value.
Card‑not‑Present & Online Sales
Many MLM transactions happen online, via replicated sites, social media, and phone—classic card‑not‑present environments linked to higher fraud risk.
High ratios of CNP sales make banks more cautious and require stricter underwriting.
Many MLM transactions happen online, via replicated sites, social media, and phone—classic card‑not‑present environments linked to higher fraud risk.
High ratios of CNP sales make banks more cautious and require stricter underwriting.
Regulatory & Reputation Risk
MLM sits close to regulatory lines around income claims and pyramid‑scheme concerns, which increases bank and card‑brand scrutiny.
Processors look closely at compensation plans, marketing materials, and complaint history before approving accounts.
MLM sits close to regulatory lines around income claims and pyramid‑scheme concerns, which increases bank and card‑brand scrutiny.
Processors look closely at compensation plans, marketing materials, and complaint history before approving accounts.
If your MLM or network marketing company has been shut down or limited by mainstream processors, contact CARDZ3N to explore a purpose‑built MLM merchant account strategy.
