Show the retail business behind the application
Direct-selling models vary. A useful review distinguishes customer purchases, distributor purchases, subscriptions, and other charges. Explain what is sold, who buys it, and how compensation relates to the retail activity.
Provide a clear product catalog, fulfillment process, return policy, and processing history when requested. Transparent information helps a provider determine whether the business fits its current acceptance policies.
Keep recurring orders recognizable
Customers should understand what they are buying, how often they will be billed, and how to cancel. Review the descriptor, confirmation messages, and refund handling so a buyer can connect a statement charge to an order.
For the office, separate order payments from commission and payout processes. Merchant card acceptance is not automatically a system for paying distributors. Clarify those requirements independently.
Prepare for a substantive underwriting review
FTC guidance discusses the importance of how an MLM operates and the truthfulness of earnings representations. Payment approval does not establish that a business model or advertising claim complies with law.
Nock Pay can review potential options for eligible businesses. Approval, reserves, settlement terms, and limits depend on provider review; prohibited or unlawful activity is not eligible. Start with an accurate description of your model through the contact form.
Sources & further reading
Questions before you switch
Are all MLM businesses eligible?
No. Eligibility depends on the actual model, products, marketing, legal requirements, and provider policies. A review is required before any acceptance arrangement can be confirmed.
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