Attribution at transaction level
Custom metadata fields (downline ID, influencer code, affiliate ID, traffic source) flow through every payment event into your commission tooling — no separate reconciliation step needed.
// INDUSTRIES
Payments for direct sales, creator commerce, and affiliate marketing.
MLM and direct-sales companies, influencer-driven brands, and affiliate-marketed merchants — supported through acquirers comfortable with attribution complexity and the chargeback profile of recommendation-driven commerce.
// THE CHALLENGE
Direct-sales and creator-led commerce face two problems generic processors don't model. First, attribution: which downline, which influencer, which affiliate drove this sale? Commission accuracy depends on metadata routing at the payment level. Second, chargeback baseline: emotional / recommendation-driven buying produces elevated dispute rates that mass-market processors flag and terminate.
// HOW VON PAY SOLVES IT
Von supports custom attribution fields at the payment metadata level, so commission calculation downstream is built on accurate transaction data. Chargeback management (Ethoca + Verifi alerts, 3DS2, representment workflow) keeps ratios under network thresholds. Specialty acquirers comfortable with MLM, influencer, and affiliate verticals handle the underwriting.
// WHAT YOU GET
Built around how this vertical actually runs.
Chargeback management
Ethoca + Verifi alerts resolve disputes before they file. 3DS2 authentication on first-time purchases. Pre-dispute representment for the chargebacks that file anyway.
Commission payouts
Push-to-card and ACH payouts to downlines, influencers, and affiliates. Per-recipient 1099 generation at year-end. Compatible with PartnerStack, impact.com, and most commission-tracking platforms.
// COMMON QUESTIONS
What underwriting usually asks about this vertical.
- Do you support MLM and direct-sales companies?
- Yes. Multi-level and direct-sales merchants (network-marketing, party-plan, social-selling) process through specialized acquirers familiar with the compensation and chargeback profile. Underwriting reviews compensation plan structure, FTC compliance posture, and standard direct-sales documentation.
- How does attribution work for influencer and affiliate-marketed merchants?
- Transaction metadata supports custom attribution fields (downline ID, influencer code, affiliate ID, traffic source) at the payment level. The metadata flows through to your billing platform, attribution tooling, and commission calculation — no separate reconciliation step needed downstream.
- Why are these verticals chargeback-heavy?
- Direct-sales, influencer, and affiliate commerce share an emotional / recommendation-driven buying pattern that produces higher dispute rates than standard eCommerce. Buyer regret, social pressure to buy, and 'didn't authorize' disputes from family card-sharing all surface more often. Specialized acquirers and chargeback management infrastructure handle the elevated baseline.
- Do you help structure FTC-compliant marketing claims for these models?
- Underwriting reviews marketing claims, income disclosures (for MLM / direct-sales), and substantiation documentation during onboarding. The goal is to spot non-compliant patterns before they trigger card network warnings or FTC scrutiny — set up correctly from day one rather than retrofit later.
- Can you handle commission payouts to downlines / influencers / affiliates?
- Yes. Payouts to downlines, influencers, and affiliates can be handled through ACH / push-to-card via Von's marketplace-style payout infrastructure. Per-recipient 1099 reporting at year-end. Compatible with most commission-tracking platforms (PartnerStack, impact.com, etc.).
We support more than just this vertical.
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Twenty minutes from first message to signed application. Underwriting decisions same-day for low-risk vectors. Specialty verticals get human review.