Direct sales files clear when the money demonstrably comes from products, not positions. A comp plan document showing retail-sales requirements, income claims that survive FTC guidance, and refund terms for distributor kits — that's the whole conversation. Product-led programs place; recruitment-led ones shouldn't process cards anyway.
Product-led programs with documented retail volume run ~3.5–4.5%. Files improve fast after 3 months of clean statements.
Comp plan document, income-disclosure statement, distributor-kit refund policy (network rules require buy-back), and top-seller product mix.
Revenue from product sales to real end-customers = placeable. Revenue from sign-up fees = not. Know your ratio before the bank calculates it.