MLMs (Multi-Level Marketing) Scam or Opportunity

Aug 12, 2014

MLM (Multi-Level Marketing) companies have made a resurgence in the last 10 years. When performing a simple online search for MLMs, you will probably be bombarded with words like “scam” and “pyramid scheme.” No doubt some bad MLMs may be little more than barely legal pyramid schemes, however, there are some MLMs that are legitimate business opportunities that allow for individuals towards the bottom of the pyramid to earn as much or more than those at the top.

Pyramid Scheme v. MLM

There is a lot of confusion about the difference between pyramid schemes and legitimate MLM merchant account opportunities. When searching for an MLM to join, be able to recognize the warning signs of a pyramid scheme.

  • Pyramid schemes are unsustainable businesses that generally have no products or services while collecting money in the form of a fee for new members.
  • The only to make money for new members is to recruit more members. However, when a pyramid reaches a certain level, new members have no way to make money.
  • These schemes usually promise high returns in a short amount of time for just signing up others.
  • Vague company descriptions, repetitive assurances that the company is legal (pyramid schemes are illegal), and little to no products or services offered.

Multi-Level Marketing Companies are structured in a pyramid, however, they are legitimate business opportunities to make a sustainable income. Here are the signs of a good MLM.

  • Members can theoretically make income by selling products or services.
  • Members at lower levels of the pyramid have the potential to earn as much as those at the top if they are willing to work.
  • There is a small or no enrollment fee.
  • The company does a good job and describing itself, its products, and its purpose.
  • The company stresses that income is generated mainly through the selling of products or services.

MLM Merchant Accounts with offers professionally managed and honest MLM merchant account practices. Our seasoned account professionals offer support for multi-level marketing companies who are interested in growing their business and memberships. We offer legitimate and safe ways to process any type of payment you may receive.

Don’t be limited to checks and cash. Give your MLM the legitimacy of credit and debit transactions with the MLM merchant account services of

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Having a merchant account allows an account holder to take advantage of merchant cash advances. When a merchant is approved for an advance, the business agrees to receive a lump sum of cash in exchange for an agreed-upon percentage of future credit card sales.

Pricing varies depending on the merchant’s industry, past credit card processing history, the type of business seeking the account, average ticket sales, and average transaction volumes.

Yes, EMB works with merchants who are building their credit, as well as those who have poor credit. EMB also approves merchants that have no credit card processing history and businesses that have lost their merchant accounts due to high chargebacks.

Several factors influence a merchant’s risk level. Though only one factor likely will not get a merchant classified as high risk, a combination of these may: business size, location, and industry, credit score, credit card processing history, a industry’s reputation for excessive chargebacks, a prior history of high chargeback ratios, and whether a merchant exclusively sells online.

Virtual terminals are stationed on a merchant’s website, making it easy for customers to make a payment or purchase online. Merchants or a payment processor can easily set up virtual terminals, so online businesses can accept credit and debit card and e-check transactions.

A merchant account is a business account with an acquiring bank. Without this business account, which actually works more like a line of credit, a merchant cannot accept and process credit and debit card transactions. Businesses need a merchant account to accept major credit cards via a static point-of-sale terminal, mobile card reader, or through a virtual payment gateway.

After filling out EMB’s simple online application and submitting any necessary, requested documents, many merchants get approved within 24 and 48 hours.

EMB specializes in working with high-risk merchants. EMB works with many merchants, including but not limited to businesses in these industries: gambling and gaming, adult entertainment, nutraceuticals, vaping and e-cigarettes, electronics, tech support, travel, high-end furniture, weight loss programs, calling cards, e-books and software, and telecommunications.

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