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What is a Bank of America Merchant and How Does It Affect You? MLM, also known as multilevel marketing or network marketing, is an often questionable business practice wherein you make money based upon how much money the people believe it. Although many companies are successfully run on an MLM setup, many of these are simply frauds, and therefore, because of his reputation, it's difficult to get a merchant account that will handle an MLM business. The point is, many of the people who paid these businesses now want their money back. If they didn't make the purchase by credit card, it's very difficult for them to get their money back. However, if you did use a credit card, it's much easier. You can simply call your credit card company, who will cancel the charge and give you back your money. What are Paymentech Merchant Accounts? Paymentech is Yahoo's preferred merchant provider account. Chances are, if you have a Yahoo store, you'll be using Paymentech.