Merchant accounts for multi-level marketing and direct sales companies, covering distributor enrollments, product auto-ship, and international sales. Apply with confidence.
Multi-level marketing and direct sales companies are classified as high risk because of recruitment-driven sales, income claims, auto-ship disputes, and international distributor networks. Many processors decline MLMs or shut them down as volume grows. As a high risk merchant account provider, Daystar places network marketing companies with acquiring banks that understand compensation plans and product-based direct sales.
We support the way your business runs: distributor starter kits, customer and distributor product orders, monthly auto-ship, event sales, and back-office fees. Multiple MIDs across 20 acquiring banks help spread volume as you grow. We have a 95% approval rate among qualified applicants, most decisions arrive within 24 hours, and there are no long-term contracts.
Accept cards for enrollment kits, product orders, and upgrades from customers and distributors. We request processing limits that match your volume and growth plans, and chargeback alerts, fraud screening, and a clear billing descriptor help keep disputes low as your field grows. Multiple MIDs can separate product lines or markets.


A secure payment gateway integrates with MLM back-office and replicated-site platforms, so every distributor website checks out through your merchant account. Tokenization supports auto-ship and one-click reorders without storing card data, and gateway reporting helps you tie each transaction to the enrolling distributor. Distributors never handle customer card data themselves.
Distributors sell at home parties, trade shows, and company conventions. Mobile card acceptance lets your field and event staff take payments on a phone or tablet, and card-present sales carry lower dispute risk. Event and party sales settle to the same account for unified reporting.

ACH and eCheck give customers and distributors a lower-cost way to pay for larger orders and auto-ship, and bank accounts do not expire the way cards do. ACH can also serve as a second payment rail, reducing dependence on card networks as your volume increases.

Auto-ship is the backbone of many MLM businesses. Recurring billing handles monthly product subscriptions, back-office and website fees, and membership programs, with retries, card updater support, and pre-shipment reminders. Easy cancellation and clear terms reduce the auto-ship chargebacks that often trigger account reviews. Customers should be able to change or skip an order easily.

Direct sales companies often expand into new countries as their field grows. Multi-currency processing lets customers pay in their local currency, and domestic and offshore acquiring options support cross-border sales in markets where you are registered to operate. This is MLM payment processing built for a field that crosses borders.

CBD and hemp credit card processing is a vital component for businesses operating in the burgeoning cannabinoid industry. As the demand for CBD products continues to rise, seamless and secure payment solutions have become imperative. With dedicated services tailored to the unique needs of CBD and hemp merchants, businesses can now efficiently process credit card transactions, providing customers with a convenient and trustworthy purchasing experience.
Daystar’s specialized MLM payment gateways are tailored to the unique needs of businesses, ensuring compliance with regulatory requirements and mitigating the challenges associated with the industry’s financial landscape. By offering reliable and seamless electronic payment processing, these gateways empower businesses to accept payments for CBD products, providing customers with a convenient and trustworthy purchasing experience.
Optimize your CBD and hemp business with our advanced ACH transfer and eCheck solutions, providing a secure and efficient payment processing experience. Say goodbye to the limitations of traditional payment methods and embrace the convenience of electronic checks. Our seamless ACH transfer system ensures quick and reliable transactions, allowing customers to make purchases with ease.n Yes. We offer chargeback alerts and fraud protection tools, with availability depending on your program. Our systems help flag fraudulent transactions and reduce chargeback risk.
Yes, we provide multiple MIDs. This feature is especially beneficial for businesses looking to diversify their payment processing across different products or services.
Underwriters typically review your compensation plan, whether commissions are based on product sales to end customers, income disclosure statements, distributor marketing guidelines, refund and inventory buyback policies, and auto-ship cancellation terms. Companies that emphasize real products and customer sales are easier to place. We recommend having your plan reviewed by qualified counsel.
Banks see risk in income claims made by distributors, auto-ship disputes, refund requests from people who leave the business, regulatory scrutiny of compensation plans, and fast international growth. A multi-level marketing merchant account from a specialist provider is usually required.
Yes. Recurring billing supports monthly auto-ship by card or ACH, with retries, card updater support, reminders, and simple cancellation tools. These network marketing payment solutions run on the same account as your product sales.
Yes. Mobile card acceptance lets distributors and event staff take payment on a phone or tablet, with funds settling to the company merchant account.