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A Second Payment Rail for Direct Selling and MLM

Peer Pay gives approved direct-selling companies a second rail without an acquiring underwriter or processor-held reserve.

Restricted categories require prior written approval from Peer. Production access is subject to merchant, product, and jurisdiction review.

A long processing history does not guarantee the next review

Direct-selling companies may be excluded by mainstream processors or admitted only after business-model review. Reserves and termination risk can remain even after years of clean volume.

Peer Pay can sit beside existing cards as a continuity rail. The distributor or retail buyer approves each payment, and verified settlement goes to the company wallet.

What changes with Peer Pay

Peer Pay is checkout software, not a payment processor or merchant account. The buyer or distributor starts a payment from a supported app, a cryptographic proof verifies the transfer, and USDC settles to a self-custodial wallet controlled by the direct-selling company. Peer does not hold the merchant's funds, so this flow has no processor balance, rolling reserve, or payout schedule.

That different settlement path does not change the underlying sale. The merchant still owns product eligibility, licensing, customer checks, fulfillment, refunds, taxes, disclosures, and every rule that applies in the places it serves.

How the payment works

Create the order. Use a hosted payment link, ecommerce integration, embedded checkout, or Scan to Pay at the counter.
The buyer or distributor chooses a supported app. They review the recipient and amount, then approve the payment on their own device.
Wait for proof. Peer verifies the transfer before the order is marked paid. A screenshot is not payment confirmation.
Reconcile settlement. USDC reaches the wallet controlled by the direct-selling company, and the dashboard keeps the payment tied to the order.

When the fit is strongest

You want a second payment rail that does not create a processor-held balance.
Your customers already use supported payment apps and can approve each purchase themselves.
You can receive USDC in a self-custodial wallet and reconcile it into your own operations.
Your retail sales, compensation plan, and earnings claims are documented and lawful.

Before you launch

Peer Pay is customer initiated and does not silently bill autoship.
Pyramid schemes, deceptive income claims, inventory loading, and other unlawful practices are prohibited.
Multi-level marketing is restricted and requires prior written approval from Peer.

FAQ

Can Peer Pay bill autoship automatically?

No. Each order is a payment the customer or distributor actively approves.

Does approval by Peer validate the compensation plan?

No. The company remains responsible for FTC, state, consumer-protection, and direct-selling compliance.