SoftBuilders — Your Technology Partner for Intelligent Direct Selling.
One engine for every plan.
From volume to payout.
See exactly how MLM compensation plans and software are designed: structure, packages, earning plans, e-pins, payment gateways, wallets, auto and manual payouts, and the front end your members use.
- Go live in 7 days
- NDA before discovery
- 24/7 support
- Modules
- 11
- Plan types
- 6
- Income types
- 19
- E-pin types
- 6
- Ways to fund in
- 9
Configure your software. Then preview it working.
Choose modules, then set how members join, earn, are credited and paid. When you are done, press Preview software to see your configured system run.
From business idea to a running network.
Every MLM system is the same five questions answered in software: who joins, what they buy, what that earns, where the money sits and how it leaves. The engine is built around exactly that order.
The design flowWhat happens, in order, when you build an MLM business on the engine.
- Define the planChoose structure (binary, matrix, unilevel, generation, hybrid), packages and the income types that apply.
- Model the numbersSet volumes (BV/PV), percentages, caps, qualification rules and payout cycle. We test the plan on sample data first.
- Configure modulesSwitch on wallets, e-pins, KYC, gateways, replica sites, app and reports. Nothing you don’t need.
- Brand the front endYour website, member panel, admin panel and app styled to your brand, not a template.
- Test with real flowsJoin, buy, earn, withdraw: run complete journeys on a staging copy, including edge cases and caps.
- Go live and tuneLaunch, then adjust rates, packages and payout rules from the admin panel without code changes.
The five layers of the engineEach layer only talks to the one below it, which is why plans can change without breaking money.
What a compensation plan is made of.
Whatever its name, every plan is built from the same parts. Understanding them is how you compare plans honestly and how the engine can support all of them.
Structure
How members are connected.
- Sponsor tree: who introduced whom
- Placement tree: where the member sits (binary, matrix, single leg)
- Auto-placement, left/right preference, spillover
Volume
What the commission is based on.
- BV / PV: business or point volume per package or product
- Personal vs team volume
- Carry-forward of unmatched volume
Rate
How much is paid.
- Flat amount or percentage
- Per level, per rank or per package
- Different rate for first purchase and repurchase
Qualification
Who earns it.
- Active status (monthly purchase)
- Minimum direct referrals
- Rank or KYC verified
- Package level required for each income
Limits
How far it can go.
- Daily, weekly and monthly caps
- Capping as a multiple of package amount
- Flush-out of excess volume
- Level and depth limits
Timing
When it is calculated and released.
- Instant on event
- Daily, weekly, fortnightly, monthly closing
- Cooling or hold period before release
- Holiday and cut-off handling
Structures at a glanceSame engine, different tree shape.
| Structure | How members connect | Width / depth | Best suited for |
|---|---|---|---|
| Binary | Two legs (left / right) under each member | 2 wide, unlimited deep | Pairing and team-balance plans |
| Matrix / forced | Fixed width and depth, filled level by level | e.g. 3×7, 5×5 | Level income with spillover |
| Unilevel | All direct referrals sit on level one | Unlimited wide, set depth paid | Simple level and generation income |
| Single leg / board | One line, joining order decides position | 1 wide, unlimited deep | Pool and auto-fill plans |
| Generation / breakaway | Sponsor tree with rank-based generations | Unlimited, paid by rank | Rank, royalty and leadership plans |
| Hybrid | Any mix of the above on one tree | Custom | Plans that combine pair, level and rank income |
The plans the engine runs.
All plans share one core. Pick a base plan, then add the income types you want. Detailed pages are linked for each.
| Plan | How it calculates | Typical incomes | Detail |
|---|---|---|---|
| Binary | Pair the smaller leg with the larger. Pay a % or fixed amount on matched volume, carry the rest forward. | Pair matching, sponsor, rank, flush-out capping | Binary plan |
| Matrix | Fixed width × depth. Each completed level pays a set amount. Cycling can re-enter members. | Level, matrix cycle, spillover, recycle | Matrix plan |
| Unilevel | Pay a percentage on every purchase down to the paid depth. | Direct, level, generation, rank | Unilevel plan |
| Generation | Pay on generations beneath each qualified rank, with breakaway rules. | Generation, royalty, override, leadership | Generation plan |
| Single leg | One line. Each new join pays the members above in position order. | Board income, level, re-entry | Single leg plan |
| Hybrid | Combine any of the above on one network. | Any mix, per package | Compare all plans |
Plan design and legality are the client’s responsibility. Before choosing a plan, read our direct selling guidelines. Plans that pay mainly for recruitment, with no genuine product, are not something we recommend.
Every income type, in one table.
These are the income types the engine can calculate. You choose which apply, set the rates and qualifiers, and combine them freely.
| Income type | Trigger | Calculated as | Released |
|---|---|---|---|
| Direct / sponsor bonus | A member sponsors someone who buys a package | Fixed or % of package | Instant |
| Binary pair matching | Left and right volume match | % or fixed per matched pair | Daily / weekly |
| Level income | Anyone in the first N levels buys | % per level | Instant / daily |
| Generation income | Members of a qualified rank earn on generations below | % per generation | Weekly / monthly |
| Matrix level income | A matrix level fills | Fixed per level | On completion |
| Spillover bonus | A member is placed by an upline’s overflow | Fixed or % | Instant |
| Rank achievement bonus | Member reaches a rank for the first time | One-time fixed | On qualification |
| Rank / monthly salary | Rank held for the month | Fixed monthly amount | Monthly |
| Royalty / leadership | Company turnover pool shared by senior ranks | % of company BV | Monthly |
| Fast-start bonus | New joiner hits a target in a set window | Fixed or % | On qualification |
| Retail / repurchase margin | Member buys or sells products | % margin or discount | Instant |
| Repurchase level bonus | Downline repurchases | % per level | Monthly |
| Cashback / reward points | Purchase made through the wallet or app | Points or % | Instant |
| Club / pool bonus | Company pool divided among qualifiers | Share of pool | Weekly / monthly |
| Auto pool / global pool | Members fill auto-placed pools | Fixed per cycle | On cycle completion |
| Matching / mentor bonus | Mentor earns on a mentee’s income | % of mentee income | With mentee payout |
| Lifetime / residual | Ongoing earning on a lifetime-qualified team | % of team BV | Monthly |
| Gift, trip and car fund | Target reached over a qualifying period | Reward or cash equivalent | Period end |
| Admin bonus / adjustment | Manual credit or debit with reason and audit trail | Any | Manual |
Rules that apply to any incomeConfigured per income, per package or per rank.
- Minimum and maximum per payout
- Daily / weekly / monthly capping
- Capping as a multiple of package
- Flush-out of excess volume
- Carry-forward
- Active-member requirement
- Minimum directs
- KYC required to earn
- Package-level eligibility
- Hold period before release
- Reversal on refund or chargeback
- Rank-based rate tables
The software, module by module.
Eleven module groups. Switch on what your plan needs now and add the rest later, without touching the core.
Plan engine
Calculates what everyone earns.
- Plan builder: structure, volume, rates, caps
- Rank and qualification rules
- Daily / weekly / monthly closing jobs
- Simulation on test data before going live
- Reversal and recalculation with audit trail
Membership
Who is in the network.
- Registration with sponsor and placement
- Auto or manual placement, spillover
- Genealogy: binary, matrix, level, sponsor tree
- Profile, nominee, bank and KYC details
- Member ID format and welcome pack
Packages and products
What members buy.
- Joining, upgrade and top-up packages
- Product catalogue with BV/PV per item
- Repurchase and subscription renewals
- Stock, invoices, GST and shipping
- Coupons and offers
Wallets
Where money sits.
- Income, purchase, bonus and reward wallets
- Member-to-member transfer
- Wallet-to-wallet conversion
- Admin credit and debit with reason
- Full transaction history
Payment gateways
How money comes in.
- Online gateways, UPI, bank and crypto
- Manual deposit with proof approval
- Auto-reconciliation via webhooks
- Refunds and failed-payment handling
- Per-country gateway routing
E-pins
Prepaid activation codes.
- Pin generation in bulk or by request
- Pin types for joining, upgrade, repurchase, wallet
- Transfer, sell and refund pins
- Expiry, status and usage history
- Pin wallet for distributors
Payouts
How money goes out.
- Auto scheduled and manual approval
- On-demand withdrawal requests
- Bank file export and payout API
- TDS, admin charge, GST handling
- Payout reports and reconciliation
Compliance and security
Keeps the business safe.
- KYC: PAN, Aadhaar, bank, selfie; manual or API
- 2FA, role-based admin permissions
- Audit logs on every financial action
- Encrypted sensitive data
- Automated backups
Communication
Keeps members informed.
- Email, SMS and WhatsApp templates
- Push notifications
- News, popups and banners
- Support tickets
- Downloads: forms, brochures, price lists
Apps and sites
Reach and branding.
- Member app for Android and iOS
- Replica websites for each member
- Landing pages and lead capture
- Multi-language and multi-currency
- Custom domain per brand
Reports
See the whole business.
- 30+ reports: joining, sales, income, payout, TDS
- Team, volume and rank reports
- Wallet and ledger statements
- Gateway and pin reports
- Export to PDF and Excel
Packages and activation.
The package is the unit that drives volume. It decides what a member pays, what they earn and for how long.
| Package type | How it works | Typical use |
|---|---|---|
| Fixed-price package | One price, one BV value, one benefit set | Starter, Silver, Gold, Platinum tiers |
| Product-based package | Joining is a purchase of specific products | Retail direct selling, with real product value |
| Upgrade / top-up | Pay the difference to move up, or add volume to the current package | Moving a member from Silver to Gold |
| Repurchase / renewal | Monthly or yearly purchase to stay active | Active-status and repurchase income |
| Free / demo membership | Registration with no income until activation | Lead funnel and trials |
| Combo / bundle | Package plus products plus bonus pins | Launch offers and festival campaigns |
What every package carriesSet in the admin panel, changeable without code.
- Price and tax
- BV / PV value
- Joining fee vs product value
- Validity or lifetime
- Income types switched on
- Capping multiple
- Rate overrides
- Included e-pins
- Welcome wallet credit
- Purchasable by wallet, pin or gateway
- Visible to which countries
- Maximum purchases per member
E-pin types.
An e-pin is a prepaid code. It turns a payment made once into an activation that can be sold, gifted or used later, with every step on record.
| E-pin type | What it does | Who can use it |
|---|---|---|
| Registration pin | Activates a new member | New joiner or sponsor registering them |
| Package / upgrade pin | Activates or upgrades a specific package | Existing member |
| Repurchase pin | Pays for a product order or monthly renewal | Any active member |
| Wallet-load pin | Adds a fixed amount to the purchase wallet | Any member |
| Free / promo pin | Admin-issued for campaigns, with expiry | Selected members |
| Distributor / franchise pin | Bought in bulk at a discount, resold by the distributor | Franchise or stockist |
Lifecycle and controls
- GenerateAdmin creates pins in bulk, or members buy them through a gateway or wallet.
- HoldPins sit in the owner’s pin wallet with status unused.
- Transfer / sellOwner moves pins to another member. Every transfer is logged.
- UsePin is applied at registration, upgrade or purchase. Status becomes used.
- Expire / refundUnused pins expire on a date, or are refunded to the wallet by admin.
- Alphanumeric pin and pin number
- Bulk generation
- Fixed or variable amount
- Expiry date
- Transfer rules
- Admin lock or block
- Usage and transfer history
- Pin request approval
- Pin charge or discount
Purchase gateways and fund in.
Members can add money or pay for a package in the way that suits their country. Each option is a switch in the admin panel. We confirm and integrate your chosen provider during scoping.
| Category | Options | How it settles |
|---|---|---|
| Online gateways (India) | Razorpay, Cashfree, PayU, CCAvenue, PhonePe, Paytm, Instamojo and similar | Webhook confirms payment, then package activates or wallet is credited automatically |
| Online gateways (international) | Stripe, PayPal and card processors that suit your country | Same webhook flow, with currency conversion |
| UPI and QR | Dynamic UPI QR, collect request, UPI intent on mobile | Auto-confirmed by gateway, or by manual UTR check |
| Net banking and cards | Through the gateway checkout | Auto |
| Crypto | USDT (TRC20, BEP20), BTC, ETH, BNB through our crypto payment gateway | Unique address per order, on-chain confirmation count, then auto-credit |
| Manual deposit | Bank transfer, cash deposit, cheque or DD with proof upload | Admin reviews proof and approves or rejects |
| E-wallet / purchase wallet | Pay a package or order from wallet balance | Instant |
| E-pin | Redeem a pin to activate or buy | Instant |
| Admin fund | Admin credits a member’s wallet with reason | Manual, logged |
Fund movement inside the system
Member to member
Wallet transfer.
- Transfer with transaction password or OTP
- Per-transfer minimum, maximum and fee
- Same-team or any-member rules
Wallet to wallet
Conversion.
- Income wallet to purchase wallet
- Set conversion percentage
- Lock rules, e.g. 30% of income must go to the purchase wallet
Refund and reversal
When an order is cancelled.
- Gateway refund updates the ledger
- Commissions earned from a refunded order are reversed
- Negative-balance handling
Wallets and ledger.
Money is never a single balance. Each wallet has its own rules, so you can control what can be withdrawn, what must be reinvested and what can only buy products.
| Wallet | Filled by | Can be used for | Withdrawable |
|---|---|---|---|
| Income wallet | All commissions and bonuses | Withdraw, transfer, convert | Yes |
| Purchase / repurchase wallet | Fund-in, conversion, cashback | Packages and products | No |
| Bonus / reward wallet | Promotions and reward points | Products or conversion | Rules apply |
| Pin wallet | Purchased or transferred e-pins | Activation | No |
| Crypto wallet | Crypto deposits and crypto payouts | Crypto packages and withdrawals | Yes |
Every credit and debit carries a type, source member, reference and balance after the entry. Wallet statements for members and the ledger for admin come from the same data, so they always agree.
Payouts: how earnings leave the system.
Calculating a commission and paying it are two separate steps. Keeping them separate is what lets you review, hold, correct and then release money safely.
The payout lifecycle
- CalculateEngine closes the cycle and writes commissions to the income wallet.
- PendingWithdrawable balance is available. Hold period and minimum rules apply.
- Request or batchMember requests a withdrawal, or the scheduled run creates one automatically.
- ApproveAuto-approve below a limit, manual review above it. KYC and bank checks run.
- DisburseBank, UPI, API or crypto transfer. Charges and TDS are deducted.
- ReconcileReference number saved. Failed payouts return to the wallet.
Payout types
| Type | How it works | Best for |
|---|---|---|
| Auto scheduled payout | System pays everyone above the minimum on a fixed day (daily, weekly, monthly) | Weekly and monthly plans with large teams |
| Manual payout | Admin selects members or a date range, reviews the list and approves | Early stage, tight cash control |
| On-demand withdrawal | Member requests, admin or rules approve, system pays | Flexible plans |
| Instant payout | Auto-approved and sent through a payout API within minutes | Small-ticket, trusted members |
| Bulk bank file | Export a bank-ready file (NEFT / IMPS / RTGS format) and upload to the bank | Banks without payout API |
| Payout API | Pay through a payouts API from your gateway or bank, status via webhook | High volume, automatic reconciliation |
| Crypto payout | Send stablecoin or coin to the member’s address, with hash saved | International teams |
| Wallet-only payout | Income stays as purchase credit, product or voucher | Reward and repurchase plans |
Withdrawal rules you can setAll configurable in the admin panel.
Limits
- Minimum, maximum, multiples of
- Daily, weekly, monthly request limits
- Working days and cut-off time
- Cooling period after joining
Deductions
- Admin charge as % or fixed
- TDS at your configured rate with PAN rule
- GST where applicable
- Reinvestment or repurchase share
Eligibility
- KYC approved
- Bank or UPI verified
- Active member
- Transaction password or OTP on request
Payout methods
- Bank transfer NEFT / IMPS / RTGS
- UPI
- Payout API (gateway or bank)
- Bulk bank file upload
- USDT / crypto
- Cheque or demand draft
- Cash or cash-at-center
- Wallet or product voucher
The output: what you and your members see.
The engine is invisible. The front end is what people use every day, and it is delivered branded and ready to launch.
Delivered as a complete set
Public website
Your brand’s face.
- Home, about, plan, products, gallery, contact
- Registration and login
- SEO-ready and responsive
- Plan and package pages
Member panel
What members use.
- Dashboard: earnings, rank, team, news
- Genealogy tree and volume
- Wallets, withdrawals, fund request
- Shop, orders, e-pins, KYC, support
Admin panel
What you run it from.
- Members, packages, plans, ranks
- Payments, payouts, pins, KYC approvals
- Reports, notices, settings
- Roles for staff and franchise
Also included
Android and iOS app
- Login, team, wallet, shop
- Push notifications
- Biometric login
Replica websites
- Personal site per member
- Referral link and lead capture
- Own sub-domain or path
Landing pages
- Campaign pages
- Lead forms to CRM
- Analytics and pixels
Built by a long-standing direct selling technology team.
SoftBuilders has worked in software development since 2009–2010 and specialises in direct selling technology. The engine reflects what that work has taught us: commissions must be accurate, every rupee must be traceable, and client business information must stay private.
- Background16+yearsSoftware developmentRoots in 2009–2010; softbuilders.in registered in December 2012.
- FocusMLMspecialistsDirect selling technologyCompensation plans, genealogy, wallets and payouts are our core work.
- AccuracyauditableRule-driven commissionsEvery credit and debit is recorded in a wallet ledger.
- Privacyprivate by defaultYour information stays privateWe do not disclose client identities, plans or financial data without authorization.
Built to run on serious hardware.
We deploy on dedicated servers and VPS cloud hosting with 64 GB+ RAM, gigabit networks, unlimited bandwidth, RAID storage, load balancing, cache balancing and other advanced features, so the engine stays fast as your network grows.
Dedicated servers
Full machine, no noisy neighbours.
- For large networks and heavy closing runs.
VPS cloud hosting
Scale up as the network grows.
- Right-sized to start, upgraded without migration.
64 GB+ RAM
Memory for big genealogy trees.
- Fast sponsor and placement calculations.
Load balancing
Traffic spread across servers.
- Join rushes and closing days stay responsive.
Cache balancing
Hot data served from cache.
- Dashboards and trees load without hitting the database each time.
SSL and firewall
Encrypted and filtered.
- HTTPS everywhere with a firewall in front.
Automated backups
Database and files backed up.
- Restore points kept for recovery.
Monitoring
Uptime and load watched.
- Alerts before members notice a problem.
Unlimited bandwidth
No traffic caps.
- Members and visits can grow without bandwidth limits.
Gigabit network
High-speed network ports.
- High-speed network ports for fast page loads and APIs.
RAID storage
Redundant disks.
- Redundant disks, so one drive failure does not take you down.
Engineering Standards & Production Readiness
How we approach the parts of an MLM platform where mistakes cost money. Each item is marked honestly: what is built into the engine today, and what is an engineering objective we design toward.
Financial transaction integrity
Built inEvery wallet credit and debit is written to a ledger with a reference, so balances can be traced back to transactions.
Commission calculation accuracy
Built inIncome is calculated from configured rules, caps and carry-forward. The worked example on this page shows the arithmetic.
Configurable compensation rules
Built inPlans, rates, qualifiers, caps and closing cycles are configuration, not hard-coded logic.
Secure authentication and authorization
Built inRole-based admin access, two-factor login and OTP on withdrawal are available as options.
Audit trails and traceability
Built inAdmin audit logs and a full ledger audit trail record who changed what and when.
Backups
Built inAutomated database backups are listed as a standard feature.
Database consistency and concurrency control
Engineering objectiveDesigned so simultaneous registrations, matching events and withdrawals are processed once, without duplicate credits.
Scalable genealogy processing
Engineering objectiveSponsor and placement calculations designed to stay fast as the tree grows to large member counts.
Monitoring and operational reliability
Engineering objectiveUptime and load monitoring with alerting, with recovery objectives agreed per deployment.
Disaster recovery
Engineering objectiveRestore procedures and recovery time objectives defined for each production deployment.
Testing and deployment procedures
Engineering objectiveRule changes tested against sample data before release, with staged deployment to production.
Test reports on synthetic data
We are preparing test reports that use generated members, plans and transactions only, so no client information is involved. Each report will state the test environment, dataset, method, date, results and limitations. Until a report is published here, treat the matching item above as an engineering objective.
Commission accuracy
Not yet publishedEngine payouts for a synthetic network compared line by line with an independent reference calculation, across binary, level and sponsor income with caps and carry-forward.
Pass criteria: Zero mismatches across every closing in the run.
Concurrency
Not yet publishedSimultaneous registrations, pair-matching events and withdrawals fired in parallel against the same members and wallets.
Pass criteria: No duplicate credits, no negative balances, every event processed exactly once.
Ledger integrity
Not yet publishedAfter the run, every wallet balance is rebuilt from its ledger entries and every payout is traced to its source transactions.
Pass criteria: Rebuilt balances equal stored balances; no orphan or unmatched entries.
Performance
Not yet publishedPlacement, genealogy queries and a full closing run on a synthetic tree of 100,000+ members.
Pass criteria: Measured timings published as recorded, with hardware and dataset size.
Built inAvailable in the engine and visible in the configurator or a live demo.Engineering objectiveHow we design and build; not independently tested or certified.No benchmarks, certifications or audit results are published yet. Book a technical walkthrough
From volume to rupees: a worked example.
A binary pair-matching income with a daily cap, an admin charge and TDS. Change the inputs. Real plans are configured with your own rates and rules.
Built so the money stays accountable.
A network business moves real money for real people. These controls come as standard.
Access
- 2FA for admin and members
- Role-based staff permissions
- Transaction password on money actions
- IP and device logs
Audit
- Every financial action logged with user and time
- No silent edits: corrections are reversals
- Plan changes versioned
- Exportable audit trail
Tax and records
- TDS and GST reports
- Invoices and payout statements
- PAN capture and rule-based deduction
- Financial-year closing reports
KYC
- PAN, Aadhaar, bank proof, selfie
- Manual review queue or verification API
- Block withdrawals until approved
- Re-verification on bank change
Data
- Encrypted sensitive fields
- Automated backups and restore
- Staging copy for testing changes
- Role-limited data export
Your responsibility
- Plan legality and licences are the client’s responsibility
- We build the software; we do not run your business
- See direct selling guidelines
How you get from idea to launch.
A written scope and fixed quote under NDA, then a short, milestone-based build.
- Discovery under NDAWe read your plan, packages and payout rules. You get a written scope.
- Plan modelWe build your plan in the engine and test it on sample members.
- Configure and brandModules, gateways, pins, KYC, front end in your brand.
- Staging and testingYou test complete journeys, including caps, refunds and payouts.
- Go liveDomain, SSL, data load, team training.
- SupportPost-launch support and plan tuning as you grow.
Our standard promise is go live in 7 days for standard plan configurations. Heavily customised plans and integrations are scoped with their own timeline.
Still deciding?
Is Smart MLM Engine one fixed plan?
No. It is a configurable core. You choose a structure, set packages and income types, and the engine calculates them. Hybrid plans are supported.
Can we change rates and packages after launch?
Yes. Rates, caps, packages, ranks and payout rules are admin settings. Changes are versioned so past payouts stay correct.
What is the difference between auto and manual payouts?
Auto payouts run on a schedule and pay everyone who qualifies. Manual payouts let an admin review and approve a list first. Many clients use manual early on and move to auto once they trust the numbers.
Which payment gateways can you integrate?
Major Indian and international gateways, UPI, net banking, manual bank deposit and crypto. Tell us your provider and we confirm the integration during scoping.
How do e-pins work?
Pins are generated by the admin or bought by members, held in a pin wallet, transferred or sold, and used for registration, upgrade, repurchase or wallet load. Each step is logged.
Can members withdraw to UPI or bank?
Yes. Withdrawal methods, minimums, charges, TDS and KYC requirements are all configurable. You can pay by payout API, bank file, UPI or crypto.
Do you provide the front end and apps?
Yes. Public website, member panel, admin panel, replica sites and Android and iOS apps are part of the build, styled to your brand.
Do you decide whether my plan is legal?
No. We are a software company. Plan design, licences and compliance are the client’s responsibility. We share guidance on our direct selling guidelines page.