Match Rate Plus, a Florida-based company, launched in early 2012, paying commissions for sales activities related to merchant account leads. CEO Clay Fishman and President Dowe Kaufman lead the operation, which does not offer any retail products of its own.
The company began its prelaunch phase in late 2010. Neither Fishman nor Kaufman had prior experience in network marketing before starting Match Rate Plus.
Fishman has worked as a deputy for the Collier County Sheriff's Office since 2006. Before that, he was a business analyst for Naturipe, a berry wholesaler. His public profile shows no background in multi-level marketing.
Kaufman's background includes eight years in electronic payment processing. His company biography states he built multiple sales organizations managing over 500 merchants, processing more than $100 million annually. He co-founded courtpay.org, an online payment system for state and local governments. Kaufman also previously served as National Sales Manager for Elavon, the world's second-largest payment processor. He also lacks documented MLM history before Match Rate Plus.
Match Rate Plus sells nothing directly. The company operates as an affiliate for North American Bancard (NAB), a Michigan-based merchant services provider founded in 1992. NAB processes over $12 billion annually for more than 125,000 merchants across all 50 states. The company is a registered ISO for Global Payments Inc., handling credit, debit, EBT, check conversion, ATM services, and online payments.
Match Rate Plus recruits individuals into what it calls a business opportunity. These recruits generate merchant leads for NAB. When a person recruited into Match Rate Plus signs up a new merchant who activates an account with NAB, that person gets paid. This process forms the entire business model.
The compensation structure is straightforward. Affiliates earn a $50 one-time commission for each merchant lead they generate that NAB converts into an activated merchant account. This payment rewards commission-based sales work, not the sale or use of a product by a retail customer.
NAB maintains no formal relationship with Match Rate Plus beyond allowing the company to participate in its affiliate program. NAB did not create this specific opportunity. They did not recruit these distributors. The payment processor simply accepts leads from Match Rate Plus affiliates the same way it accepts leads from any other sales channel.
This distinction matters. It shows Match Rate Plus functions as a lead generation middleman, using the language of multi-level marketing. People sign up, recruit others, and everyone works to sign up merchants. The only money within the Match Rate Plus system originates from NAB's commissions for completed merchant accounts.
No retail customers buy products they desire. No genuine retail business gets built. The operation centers solely on recruitment and the commissions that flow to those higher up the chain when new recruits produce leads that convert. Match Rate Plus connects recruitment-focused distributors with a commission-paying merchant processor and takes a cut from the middle.