Payments Built for Direct Sales and MLM Companies

Enrollment kits on a hosted checkout, autoship that bills and retries itself, disputes refunded before they count, and a card vault that stays yours when you add or change gateways.

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Autoship That Keeps Running

Monthly product subscriptions charged with the recurring stored-credential flags issuers expect, retried on soft declines and suspended on hard ones, with a dashboard of active, suspended and failed subscriptions and estimated MRR.

Enrollment by Hosted Checkout

Starter kits and first orders paid on a PCI-safe hosted page embedded in your enrollment flow, with Apple Pay, Google Pay, ACH and 3-D Secure, and the card vaulted for autoship.

Disputes Caught Early

Ethoca, Verifi CDRN and Visa RDR alerts pulled hourly, matched to the order and refunded automatically, so the dispute never reaches your chargeback ratio.

The Direct Sales Payment Problem

A direct sales company runs two payment streams at once: a flood of small first orders and starter kits from new customers and distributors, and a long tail of monthly autoship that is the real business. Both are card-not-present, both are recurring or look recurring to an issuer, and both attract disputes from people who forgot what they signed up for. Acquirers classify the category as high risk, which brings reserves, tight chargeback thresholds, and the standing threat that one bad month ends the merchant account and strands every stored card.

FloPay does not underwrite merchant accounts and does not change how the networks classify the industry. It runs on top of the gateway and merchant account you have, or that one of our ISO partners places for you, and it handles the part the acquirer actually scores: a signed, consented enrollment; autoship charged as correctly flagged recurring transactions with retries that recover soft declines; alerts refunded inside the window; and a vault and routing layer you own, so a second gateway is a configuration change rather than a re-enrollment.

From First Order to Month Twelve

Enrollment on a hosted checkout

The kit or first order is paid on a hosted checkout embedded as an iframe in your enrollment site or sent as a link, with wallets, ACH and 3-D Secure. Terms and the autoship consent are presented and e-signed on the same page.

Card vaulted for autoship

The card is tokenized in the provider-agnostic vault with stored-credential consent, so the monthly charge carries the recurring flags and original transaction ID issuers approve at higher rates.

Autoship as a subscription

Each customer's autoship is a subscription with its own interval, next-run date and optional end date, in a list that shows every next charge and a dashboard of active, suspended and failed subscriptions.

Soft declines retried, hard declines paused

Insufficient funds retries on day 1, 3 and 5. An expired or closed card suspends the autoship and surfaces it for a text with a link to update the card. See decline recovery.

Alerts refunded before they count

Chargeback alerts are matched to the order by amount, last four and date, refunded through the gateway and closed, with a daily digest to finance.

Events to your back office

Payment, refund and subscription events reach your MLM platform through signed webhooks, so commissions, genealogy and inventory run where they already run.

What FloPay Handles, and What Stays in Your Back Office

FloPay handles

  • Hosted checkout for kits and first orders, embedded or by link
  • Autoship subscriptions with retries, suspension and a renewal dashboard
  • E-signed enrollment terms and autoship consent at checkout
  • Ethoca, Verifi CDRN and Visa RDR alerts, matched and refunded hourly
  • Decline classification per gateway and honest authorization rates
  • Provider-agnostic vault and percentage routing across merchant accounts
  • Receipts, reminders and card-update links by email and text

Your platform keeps

  • Distributor compensation, commissions and payouts
  • Genealogy, ranks and qualification rules
  • Product catalog, inventory and fulfillment
  • Distributor agreements and earnings-claim compliance
  • Customer and distributor logins
  • FloPay sends it the payment events; it does not replace it

Why It Pays

Autoship That Approves

Correctly flagged recurring charges approve more often than mis-flagged ones, and scheduled retries recover the soft declines that would otherwise churn a customer in month three.

A Ratio Under Control

An alert refunded in the window is not a chargeback. For a category watched this closely, that is the difference between a normal month and a reserve letter.

Gateways on Your Terms

With the vault and routing in FloPay, you can split volume across two merchant accounts, move it when terms change, and never ask a customer for a card twice.

See autoship billing that holds up

We will run an enrollment on the hosted checkout, a month of autoship with a retry, and an alert-to-refund on a live demo.

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Frequently Asked Questions

  • Will FloPay get my MLM company approved for a merchant account?

    No. FloPay is not an acquirer and does not underwrite. It runs on top of the merchant account and gateway you already have, or that one of our ISO partners places for you. Its job is to make that account perform: consented enrollment, correctly flagged autoship, alerts refunded before they count, and a card vault that moves with you if you change processors.

  • No. Commissions, payouts, genealogy and ranks stay in your MLM software. FloPay collects customer and distributor payments and sends every payment, refund and subscription event to your platform through signed webhooks and the REST API.

  • Each decline is classified per gateway. Soft declines such as insufficient funds retry on day 1, 3 and 5. Hard declines such as an expired or closed card suspend the subscription and notify your team, and the customer can be texted a link to update the card. Nothing is charged for hopeless retries.

  • Yes, and they should be able to: a cancellation that takes effect the same day, with a confirmation message, is the single best defense against "cancelled recurring" disputes. Subscriptions can be ended or given an end date from the dashboard or through the API.

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Dover, Delaware, 19901

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