Payment infrastructure for network marketing success
$164 billion industry under constant scrutiny. We help legitimate MLMs thrive with FTC-compliant payment processing and global commission payouts.
- 75% Acceptance Rate
- Global Commission Payouts
- Autoship Billing
First response within 24-48h. Commission payouts included. FTC compliance reporting.
- 10,000+ merchants trust us
- PCI DSS
- Payouts in 3 business days
- First response within 24-48h
- Global direct selling sales 2024 (WFDSA)
- $164B
- Annual Growth (CAGR)
- +6%
- Bridge Pay Acceptance
- 75%
- First response
- 24-48h
Why Stripe, PayPal, and Banks Reject Network Marketing Companies
Blanket bans based on pyramid scheme associations ignore the $164B legitimate industry.
Guilt by Association and Regulatory Fear
The FTC's high-profile actions against illegal pyramid schemes have created blanket fear among payment processors. Rather than develop expertise to distinguish legitimate MLMs from scams, processors simply reject the entire category.
Stripe's prohibited business list includes 'multi-level marketing.' PayPal regularly freezes MLM accounts without warning, holding funds for 180 days. Traditional banks cite 'reputational risk' from association with network marketing, regardless of the company's actual practices.
The irony is that legitimate network marketing (product-focused companies with reasonable compensation structures and genuine retail sales) presents lower risk than many accepted industries. But processors lack the expertise to evaluate these distinctions.
- Pyramid scheme association regardless of actual model
- FTC regulatory scrutiny concerns
- Complex commission payout requirements
- High chargeback perception (not always accurate)
- Lack of underwriting expertise for MLM models
- Reputational concerns from bank compliance
Bridge Pay: MLM Payment Infrastructure with Compliance DNA
We've invested in understanding what makes MLMs legitimate or problematic. Our underwriting evaluates retail-to-recruitment ratios, compensation plan structures, product genuine value, and income disclosure practices. Companies that pass this evaluation (75% of applicants) get access to sophisticated payment infrastructure: commission payouts, autoship, and compliance-ready reporting. We're not just processing payments; we're supporting legitimate network marketing businesses.
- Retail-to-recruitment ratios analyzed: product-led companies stand out
- Compensation plan reviewed against FTC criteria
- Automated commission payouts and autoship infrastructure included
- Cohort-level chargeback tracking grounds risk in real data
- 75% of legitimate MLM applicants receive a first response within 24-48h
Before and after Bridge Pay
See the difference with traditional payment processors
Blanket rejection or account freezes for 'pyramid scheme'
75% acceptance for legitimate network marketing
No commission payout infrastructure
Multi-tier payouts to 50+ countries
Basic subscriptions: no true autoship
Full autoship with product variant management
No distributor vs customer distinction
Separate tracking for compliance reporting
Fear of sudden account closure
Long-term partnership with compliance support
$164 billion industry, FTC-compliant. We help legitimate MLMs prosper.
- Global direct selling sales 2024 (WFDSA)
- $164B
- Bridge Pay acceptance rate
- 75%
- Countries for commission payouts
- 50+
PayPal freezes MLM accounts. Stripe rejects applications outright. Banks cite 'pyramid scheme concerns' regardless of your actual business model. Legitimate network marketing companies deserve payment partners who understand the difference.
Bridge Pay has spent years building MLM-specific payment infrastructure. Commission payouts to 50+ countries, autoship subscription management, customer vs distributor order tracking, and FTC compliance support. We evaluate actual business models, not stereotypes.
- Multi-tier commission payout system
- Global payouts to 50+ countries
- Autoship with smart dunning
- FTC compliance reporting support
Why Bridge Pay?
- 01
Multi-Tier Commission Payout System
Network marketing compensation plans are complex:
- multiple levels,
- rank advancements,
- bonuses,
- pools.
Our commission engine handles unlimited tiers with automatic calculation. Upload your compensation plan logic once, we calculate and distribute payouts automatically. Commission schedules follow your compensation plan.
- 02
Global Payouts to 50+ Countries
Your distributors are worldwide: your payment infrastructure should be too. We process commission payouts in 50+ countries via local bank transfers, reducing currency conversion costs. Distributors receive payments in their local currency, increasing satisfaction and reducing payout friction.
- 03
Full Autoship Subscription Management
Autoship is the lifeblood of MLM product flow. Our system handles product variant subscriptions (not just fixed amounts), flexible scheduling (every 2/4/6 weeks), smart dunning for failed payments, and easy modification. Distributors can pause, skip, or modify through self-service portals.
- 04
FTC Compliance Reporting Support
Regulatory compliance isn't optional. Our platform generates reports supporting income disclosure statements, retail-to-recruitment ratios, and compensation plan analysis. These reports support the documentation regulators expect: protecting both your company and your distributors.
- 05
Customer vs Distributor Distinction
The FTC cares about real retail sales, not just distributor purchases. Our platform tracks customer orders separately from distributor orders, providing the data you need for compliance. Genuine retail activity demonstrates product demand beyond the distribution network.
- 06
75% Acceptance Through Real Underwriting
We don't rubber-stamp applications, and we don't blanket-reject either. Our underwriting team evaluates compensation structures, product genuine value, retail sales evidence, and income disclosures. Legitimate companies get approved; problematic models get declined. This protects everyone.
Key features
Commission Payouts
Multi-tier commission engine with automatic calculation and global distribution.
50+ Countries
Pay distributors in their local currency via local bank transfers.
Autoship Management
Full subscription system with product variants and smart dunning.
Compliance Support
Reporting tools for FTC compliance and income disclosure requirements.
How it works
- 01
Application & Documentation
Submit your application with compensation plan, product catalog, income disclosures, and business registration. We review for FTC compliance indicators and business model legitimacy.
- 02
Underwriting Review
Our MLM specialist team evaluates your compensation structure, retail-to-recruitment ratio, and product genuine value. May request additional documentation or clarification.
- 03
Platform Configuration
Configure commission calculation rules, autoship parameters, payout schedules, and compliance reporting. Test with sample transactions and distributor scenarios.
- 04
Launch & Payouts
Go live with customer orders, distributor purchases, and autoship. Commission calculations run automatically. Payouts distributed on your chosen schedule to 50+ countries.
Typical use cases
Illustrative examples of merchant profiles accepted in this sector.
Health Supplements MLM, 12,000 Distributors
- Situation
- A previous provider froze an MLM company's merchant account, blocking $340K for 180 days.
- Setup
- Bridge Pay validated its business model, which includes genuine retail customers, enabling commission payouts to 8 countries.
- Outcome
- Automated commission payouts to 12,000 distributors
Cosmetics Network Marketing, 5,000 Distributors
- Situation
- A network marketing company, with 60% of revenue from autoship, struggled with product variant subscriptions.
- Setup
- Previous solutions could not handle flexible scheduling, leading to failed payments.
- Outcome
- 35% reduction in failed autoship
Home Products MLM, Startup Phase
- Situation
- A new MLM struggled to secure payment processing, as providers often assumed it was a pyramid scheme.
- Setup
- Bridge Pay reviewed its compensation plan, then approved its merchant account.
- Outcome
- Launched with compliant infrastructure
Accepted services
- Health & wellness MLM
- Cosmetics direct sales
- Nutritional supplements
- Home products
- Financial services
- Travel clubs
- Educational products
- Essential oils
Competitive pricing
Commission payout processing: 1% of payout amount. Volume discounts available for $100K+/month.
- No hidden fees
- €0 setup fee
- First response within 24-48h
Starting rate, high risk
4.8%+ €0.55
- Commission engine included
- 50+ country payouts
- Autoship management
- Compliance reporting
What types of MLMs do you accept?
We accept legitimate network marketing companies:
Accepted:
- Health & wellness product companies
- Cosmetics and skincare MLMs
- Home products and essentials
- Nutrition and supplement companies
- Educational products
- Financial services (licensed)
- Travel clubs with genuine product
Requirements:
- Genuine product with retail value
- Compensation based primarily on product sales
- Income disclosure compliance
- Reasonable retail-to-recruitment ratio
Not accepted:
- Recruitment-focused 'pay to play' models
- No genuine product or minimal product value
- Inventory loading requirements
- Guaranteed income claims
How does the commission payout system work?
Our commission engine handles MLM complexity:
Compensation plan setup:
- Define unlimited commission levels
- Configure rank advancement rules
- Set up bonuses (leadership, pools, car programs)
- Specify qualification requirements
Automatic calculation:
- Sales data flows in real-time
- Commissions calculated per your plan
- Rank advancements applied automatically
- Bonus qualifications checked
Payout distribution:
- Commission schedules set by your compensation plan
- 50+ countries via local bank transfer
- Multi-currency support
- Tax reporting for US distributors (1099s)
Transparency:
- Distributor dashboard shows pending commissions
- Complete genealogy and downline visibility
- Historical commission records
What FTC compliance support do you provide?
Our tools support your regulatory compliance:
Reporting tools:
- Retail vs distributor sales breakdown
- Income distribution analysis
- Average earnings per rank
- Recruitment to sales ratios
Compliance features:
- Customer vs distributor order distinction
- Product return tracking
- Cooling-off period support
- Income claim monitoring
Resources:
- Income disclosure statement best practices
- Compensation plan red flag identification
- Documentation requirements
- Regulatory update alerts
Note: We provide tools and documentation resources, not legal advice. Work with MLM attorneys for formal compliance review.
How does autoship work?
Full-featured autoship management:
Subscription flexibility:
- Product variant subscriptions (not just dollar amounts)
- Flexible scheduling (every 2/4/6/8 weeks)
- Easy modification (swap products, change dates)
- Pause/skip without cancellation
Smart dunning:
- Automatic retry on failed payments
- Customer notifications with easy card update
- Grace periods before subscription pause
- 35% improvement in failed payment recovery
Self-service:
- Distributor/customer portal access
- Real-time subscription management
- Shipping address updates
- Payment method changes
Reporting:
- Autoship retention rates
- Churn analysis
- Product performance in subscriptions
What's the activation timeline for MLM accounts?
MLM accounts require thorough review. You receive a first response within 24-48h:
Step 1: Application review
- Business model documentation
- Compensation plan analysis
- Product catalog review
Step 2: Deep underwriting
- FTC compliance indicators
- Retail-to-recruitment ratio
- Income disclosure review
- May request clarification
Step 3: Configuration
- Commission rules setup
- Autoship configuration
- Payout schedule setup
Step 4: Launch
- Production activation
- Initial testing
- Support handoff
This process ensures we only onboard legitimate businesses: protecting you, your distributors, and us.
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- PCI DSS
- No setup fees
- First response within 24-48h
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