A Business Opportunity merchant account from a bank that knows your category

Roots Payments places affiliate and business-opportunity sellers with acquiring banks and processors that knowingly underwrite business-in-a-box and affiliate programs, so the account is built to last instead of flagged after the first review. We work with virtually any legal business, subject to underwriting; pricing, limits, and terms depend on the acquirer's review. Reserves may apply, and any reserve is disclosed in your agreement before you sign.
Talk to a direct sales company payments specialistAll affiliate & business-opportunity programs solutions
Free 30-minute consultation. Review your setup, compare options and leave with clear next steps.

Payment solutions for affiliate & business-opportunity programs

How each solution supports affiliate & business-opportunity programs

See what each option adds to the way your business takes and tracks payments.

High-Risk Merchant Account

For affiliate & business-opportunity programs: Present your model for direct-sales orders and distributor purchases to specialist processing partners, with product and fulfillment documentation prepared. Roots Payments places affiliate and business-opportunity sellers with acquiring banks and processors that knowingly underwrite business-in-a-box and affiliate programs, so the account is built to last instead of flagged after the first review. We work with virtually any legal business, subject to underwriting; pricing, limits, and terms depend on the acquirer's review. Reserves may apply, and any reserve is disclosed in your agreement before you sign.
  • Pre-underwriting review of your website, checkout, and documents (FTC Business Opportunity Rule disclosure document and earnings substantiation)
  • Application packaged and submitted only to acquirers with appetite for your category
  • Plain-English walkthrough of pricing, reserve, and termination terms before you sign

Chargeback Management

For affiliate & business-opportunity programs: Organize evidence for disputed direct-sales orders and distributor purchases, including customer authorizations, delivery details and service records. Roots coordinates chargeback-management services to help your business handle disputes and organize responses.
  • Discuss your business goals on a free consultation
  • Coordinate your provider introduction and setup
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Payouts

For affiliate & business-opportunity programs: Distribute amounts owed to distributors and direct-sales representatives, with payment references matched to sales attribution, commission allocations and order fulfillment. Affiliate and business-opportunity sellers often need to send money out as well as take it in. Roots sets up payouts to bank accounts and eligible debit cards with recipient verification. Roots Payments is not a bank or money transmitter.
  • Payout flow design and partner onboarding
  • Integration with your platform or back office
  • Recipient support scripts
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E-commerce Payments

For affiliate & business-opportunity programs: Add online checkout for direct-sales orders and distributor purchases, with order references carried through payment and fulfillment. Roots connects your store to a gateway and acquirer that approve your category, with fraud screening and 3-D Secure configured for card-not-present risk.
  • Check that your cart platform's own acceptable-use policy allows your products
  • Gateway setup, fraud-rule tuning, and test transactions before launch
  • Checkout disclosure review (refunds, shipping, age or eligibility limits)
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High-Risk Merchant Account questions

Questions direct sales company merchants ask about approval.
We review the business model, products, website and processing history, then initiate the application with a suitable processing partner.
Bring ownership details, licenses, recent processing statements and clear fulfillment and refund policies. We organize the application around your specific business.
Bring your products, licenses, processing statements and fulfillment policies. Roots uses these details to plan the workflow for affiliate & business-opportunity programs and prepare a clear setup scope.
Request a quote for your business and the setup you need. We review the scope and costs with you before you proceed. Consultations and payment reviews are free.

Ready to talk it through?

Book a free 30-minute review. We’ll map your setup, explain the options and work through clear next steps.
Talk to a direct sales company payments specialistAll affiliate & business-opportunity programs solutions