A Direct Sales merchant account from a bank that knows your category

Roots Payments places independent direct-sales consultants with acquiring banks and processors that knowingly underwrite party-plan and in-home product sales, 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 direct-sales consultants & party plans solutions
Free 30-minute consultation. Review your setup, compare options and leave with clear next steps.

Payment solutions for direct-sales consultants & party plans

How each solution supports direct-sales consultants & party plans

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

High-Risk Merchant Account

For direct-sales consultants & party plans: Present your model for direct-sales orders and distributor purchases to specialist processing partners, with product and fulfillment documentation prepared. Roots Payments places independent direct-sales consultants with acquiring banks and processors that knowingly underwrite party-plan and in-home product sales, 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 (company authorization and product list)
  • Application packaged and submitted only to acquirers with appetite for your category
  • Plain-English walkthrough of pricing, reserve, and termination terms before you sign

Mobile Payments

For direct-sales consultants & party plans: Collect payments for direct-sales orders and distributor purchases away from a fixed counter, with transactions recorded against the sale or job. Independent direct-sales consultants often take payment away from a counter. Roots sets up mobile readers and tap-to-pay on phones, tied to a merchant account approved for your category, so field payments are not processed through an app whose terms exclude you.
  • Device selection and setup
  • Field staff training
  • Receipt and evidence templates for disputes
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Text to Pay

For direct-sales consultants & party plans: Send a payment request for direct-sales orders and distributor purchases by text so customers can pay against a specific order or invoice. Keying card numbers from phone calls is costly and dispute-prone for independent direct-sales consultants. Text-to-pay sends a secure link so the customer enters their own card, with 3-D Secure and a stored consent record.
  • SMS opt-in and TCPA-aware messaging setup
  • Template copy for links and receipts
  • Integration with your CRM or case system
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E-commerce Payments

For direct-sales consultants & party plans: 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 direct-sales consultants & party plans 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 direct-sales consultants & party plans solutions