Self-transaction cashback
A share of the operator margin credited to the member who made the recharge.
Recharge Plan MLM Software
A recharge plan is an MLM model in which members earn commission when they and their downline use a platform for mobile recharges, DTH top-ups and utility bill payments. MLM.ERP recharge MLM software connects to recharge and bill-payment APIs, credits operator margins to the network level by level, and gives members a wallet-based app for everyday transactions.
- Structure
- Level or unilevel tree
- Payout basis
- Transaction margin per recharge
- Income types
- 4 built in
Who is the Recharge Plan best for?
Fintech, telecom-retail and digital-services businesses that want commission on high-frequency, low-value transactions.
How it works
The Recharge plan in 5 steps
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1
Members load their wallet via UPI, card or a payment gateway.
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2
They recharge mobiles or DTH or pay bills through the web portal or app.
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3
The platform routes the transaction to a connected recharge or bill-payment API.
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4
The operator margin on each successful transaction is shared as per your plan.
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5
Failed transactions are refunded to the wallet automatically.
Income types
How distributors earn in a Recharge plan
Every income type below is configurable in MLM.ERP: rates, levels, caps and qualification rules.
Level commission on recharges
A defined share of each downline transaction’s margin, distributed across levels.
Retailer margin
Commission for members who recharge on behalf of walk-in customers.
Volume milestone reward
A bonus when a member’s team crosses a monthly transaction threshold.
Worked example
See the numbers in action
Assume an operator margin of 3% on a 500-unit recharge, or 15 units. The plan gives 1% (5 units) to the member as cashback and distributes the remaining 2% across five levels at 0.6%, 0.5%, 0.4%, 0.3% and 0.2%. If the member’s downline completes 1,000 such recharges in a month at level 1, the member’s level-1 share equals 3,000 units.
Illustrative figures only. Actual results depend on your plan configuration and genuine sales activity. No earnings are implied.
Inside MLM.ERP
Run your Recharge plan from one admin panel
Configure income types, rates and levels, watch the network grow and approve payouts from the same dashboard. This is a real MLM.ERP screen.
Recharge and BBPS APIs
Connect to recharge and bill-payment providers for mobile, DTH, electricity, gas and more.
Prepaid member wallet
Members top up via UPI, Razorpay, PayU, Cashfree or Paytm and spend instantly.
Operator-wise margins
Set commission rates per operator and per service from the admin panel.
Auto refund on failure
Failed or pending transactions are reconciled and refunded to the wallet.
Recharge mobile app
A white-label Android and iOS app for fast, repeat recharges.
Transaction ledgers
Operator, member and level-wise reports for reconciliation and settlement.
Pros & considerations
Is the Recharge plan right for you?
Why companies choose it
- Built on services people already use every month.
- High transaction frequency keeps members engaged.
- No physical inventory or shipping required.
- Easy to add to an existing product-based MLM as an extra service.
What to design carefully
- Operator margins are small, so level distribution must be modelled carefully to stay viable.
- Prepaid wallets may fall under payments regulation; check RBI rules on prepaid payment instruments before launch.
- API provider uptime and settlement terms directly affect member experience and reconciliation.
Compare
Recharge vs Level Income vs Repurchase
| Attribute | Recharge Plan | Level Income Plan | Repurchase Plan |
|---|---|---|---|
| Structure | Level or unilevel tree | Unlimited width, fixed depth | Works with any tree |
| Payout basis | Transaction margin per recharge | Percentage per downline level | Repeat order volume (BV/PV) |
| Main income | Self-transaction cashback | Level commission | Repurchase level income |
| Best for | Fintech, telecom-retail and digital-services businesses that want commission on high-frequency, low-value transactions. | New and small businesses that want a transparent plan members can understand in one sentence. | FMCG, wellness, agriculture and personal-care brands whose customers reorder regularly. |
See every plan side by side in the full comparison table.
FAQ
Recharge plan: common questions
Can't find your answer? Our team can review your plan design in a free demo.
Ask a questionHow does a recharge MLM plan work?
Members recharge mobiles, DTH or pay bills through the platform. Each successful transaction earns an operator margin, which the software shares between the member and their uplines according to your level rules. Commissions are credited to the wallet as transactions complete.
Which recharge and bill-payment services can MLM.ERP connect to?
MLM.ERP integrates with recharge and bill-payment API providers of your choice, covering mobile prepaid and postpaid, DTH, electricity, gas, water and similar services. We configure the provider you contract with and map operator-wise margins in the admin panel.
Can I add recharge income to an existing MLM business?
Yes. Recharge can run as an add-on service, sharing the same member tree, wallet and app. Recharge commissions appear as a separate income type, so members see exactly how much they earned from products and how much from digital services.
Do I need an RBI licence for a recharge MLM wallet?
It depends on how the wallet works. A closed wallet used only on your platform is treated differently from one that allows transfers or cash withdrawal. RBI rules on prepaid payment instruments may apply, so confirm the wallet design with a payments lawyer.
Explore more
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Sponsor without limits and earn on product volume across the levels your rank unlocks.
Free live demo
See a Recharge Plan running with your rules
Tell us about your products, plan and markets. A product specialist will show you the admin panel, member back office and mobile app configured the way you work, then send a written proposal.