Is there any payment processor that could accept credit card and bank transfers as payment that also allows MLM and charges low fee? I think I am asking too much. All I have is paypal. And paypal doesnt allow mlm, randomizer, pyramid, ponzi, shit, and crap you name them.
Doesn't exist. You will pay something like 10% or more assuming you can find a processor that allows this. I would go look for a high-risk processor or offshore merchant account. Most will still no accept many MLM's.