Payments infrastructure
Own your processing stack.
Underwriting, card data, checkout, routing, disputes, and the ledger, on one platform that runs across every processor you use. Infrastructure you own, not an account you rent.
Platform
One platform, from underwriting to reconciliation.
Onboard the merchant, accept the payment, screen it for fraud, route it for approval and cost, handle the disputes, pay out, and reconcile every dollar against the bank. Every stage runs on one merchant record and one API, and shows up in the same portal.
Get approved and boarded.
Apply once. We verify the business and everyone behind it, then board it onto PSPs that fit, or connect the MIDs it already has.
- KYC and KYBOwners and entity
- PSP boardingAppetite matched
- Sub-merchantsOnboard by API
- Bring your own MIDExisting accounts
- Merchant monitoringAfter go-live
Case HW-24817, supplementsApproved
Take payments your way.
Launch a hosted checkout in one API call, embed it in your page, or build your own form on the API with the same screening underneath.
- Hosted checkoutOne API call
- Embedded checkoutInside your page
- API checkoutYour own form
- Wallets and pay laterHigher conversionPreview
- Payment links and invoicesNo code neededPreview
- SubscriptionsDunning and retries Preview
- In personCard present Preview
Stop fraud. Win disputes.
Every payment is scored with device and behavior signals, including API checkouts through the risk SDK. Disputes arrive with evidence already gathered.
- Fraud screeningEvery checkout type
- 3D SecureSCA exemptions
- Rules and backtestingShadow mode
- Ratio monitoringNetwork programs
- Dispute alertsBefore chargebacks
- RepresentmentEvidence assembled
Approve more. Pay less.
Route each payment across your MIDs and ours by approval rate, cost, and card type, and retry soft declines on the next processor automatically.
- Network tokensPortable across MIDs
- Card account updaterFewer declines
- Adaptive retriesBy decline code
- Cost-based routingCost, BIN, region
- Level 2 and 3 dataB2B interchange
- Bring your own MIDRoute across all
Pay out on your schedule.
Send payouts to merchants, sellers, and agents by ACH, instant transfer, or wire, hold balances, and issue cards with spend controls.
- PayoutsACH, instant, wire
- Balances and reservesVisible to merchants
- Split paymentsMarketplaces
- Multi-currencyAnd FX
- Card issuingVirtual and physical
- YieldOn idle balances
•••• 2187ORBIT SUPPLY
•••• 9034FIELDNOTE COURSESClose the books faster.
Follow every dollar from authorization to payout, match settlements automatically, and give every role its own portal.
- ReconciliationSettlement matchingPreview
- ReportingExports and warehouse
- Roles and audit logsMulti-entity
- AnalyticsBy processor and BIN
- PortalsMerchant, agent, platformPreview
- Tax and remittanceWhere collectedPreview
Product visuals use sample data
From application to bank deposit.
Six stages, one platform. Scroll through what actually happens between a business applying and the money landing, reconciled.
- 01
Apply
One application, whatever the business sells. No forms rewritten for each processor.
one applicationany category - 02
Underwrite
Identity, ownership, sanctions, and website checks run before anyone decides.
identity and ownershipsanctions and content - 03
Board
The file goes to partners whose appetite fits. A MID is issued and keys are live.
appetite matchedMID and keys issued - 04
Accept
Hosted checkout, components, or your own form. Cards land in a vault you keep.
hosted, components, APIvault you keep - 05
Route and protect
Each payment is screened, then sent to the processor most likely to approve it.
screened on every paymentrouted on evidence - 06
Settle and reconcile
Money lands, and the deposit is matched against the ledger before you ask.
three-way matchexceptions with an owner
Documents attached
One application. Submitted once.
Sample data
Hosted checkout
A checkout your customers already trust.
Launch in one API call. Wallets, pay later, and saved cards are built in, every payment is screened, and it looks like your brand.
- Wallets and pay laterApple Pay, Google Pay, PayPal, and Klarna alongside cards.
- Your brandYour logo, your colors, and a checkout domain of your own.
- Screening built inEvery payment is scored before it reaches a processor.
- Hosted, embedded, or APIStart hosted and move deeper when you need more control.
Pay Northwind Nutrition
Express checkout
Klarna
Split $72.00 into 4 payments.
Payment successful
$72.00 paid to Northwind Nutrition
- Screened, risk score 1218 ms
- 3D Secure, frictionless34 ms
- Routed to PSP B41 ms
- Authorized and captured348 ms
- Receipt sent to [email protected]352 ms
Modular components for modern payments.
Start with a single capability or combine several. Every component is processor-agnostic, so your rules, your stored cards, and your reporting work the same whichever processor a payment ends up on.
Get a business approved, and keep it approved.
Raise acceptance and cut cost across every stage of the card lifecycle.
Move the money, prove the numbers, and cover what is left of your PCI scope.
Products
Everything between the application and the bank deposit.
Board gets a business underwritten and live. Route, Lift, and Vault win more approvals and keep cards working when the processor changes. Screen, Margin, and Ledger defend the money after the sale, from fraud and disputes to interchange, fees, and proving every dollar against the bank. Agents do the parts nobody has time for.
KYC and KYB done up front, then submitted to the acquiring partners whose appetite fits the business.
02Routemulti-processor orchestrationOne integration across every processor you use, with failover when one stops answering.
03Liftacceptance suiteNetwork tokens, card account updater, adaptive retries, and cascading, working on the same payment.
04Vaultportable tokensStored cards that belong to you, chargeable on any processor you are boarded with.
05Margincost and interchangeLevel 2 and 3 data, surcharging and dual pricing, cost-based routing, and fee variance checking.
06LedgerreconciliationEvery lifecycle event proved daily against processor settlement files and bank deposits.
07Screenfraud and disputesDevice and behavior screening on every checkout type, with disputes prepared before the deadline.
08Agents PreviewpreviewSpecialist agents that approve applications, route payments, and assemble dispute evidence.
Ledgering and reconciliation
One ledger. Every dollar accounted for.
Transactions, settlements, fees, refunds, reserves, disputes, and bank deposits all land in one ledger and are matched automatically. Every figure on a statement traces back to the event that caused it.
High Wire ledger
- Captures$128.4M
- Refunds$2.1M
- Chargebacks$184.2k
- Fees$3.42M
Processor settlement
- Gross$128.4M
- Adjustments$2.3M
- Interchange$2.18M
- Net funding$122.9M
Bank deposit
- ACH credits$120.8M
- In transit$2.1M
- Reserve held$1.24M
- Returns$38.4k
Matched
99.94%
4,231 batches, 12 exceptions open, day closed at 06:14 UTC
A day is not closed until all three agree.
Every processor settlement file is parsed and matched line by line against the ledger. Nobody opens a spreadsheet to close a day.
Authorizations, captures, refunds, fees, reserves, disputes, and payouts all recorded against one payment ID, with the fee breakdown attached.
Bank credits are tied back to the settlements that produced them, so you know a deposit is right before you spend against it.
Short-funded batches, fee variances, duplicate refunds, and returned payouts surface as exceptions with an owner and an age, instead of quietly shrinking a payout.
Multiple MIDs and processors settle on different schedules in different formats. The ledger normalizes them into one financial record that survives a switch.
A close checklist per entity and per processor, with journal entries exported to your accounting system as CSV or through the API.
Every transaction accounted for. Every settlement reconciled.
Built for
Your business, your portfolio, your platform, or your bank.
Merchants take payments directly. Agents and ISOs build and manage portfolios on it. Platforms embed payments in their own products. Banks and processors take merchants we have already underwritten.
Merchants
Get boarded, take payments on a hosted checkout, and run the business from your merchant portal.
- Hosted checkout with wallets and pay later
- Portal for payouts, disputes, and reports
- Get boarded or bring your own MID
Agents and ISOs
Refer merchants, follow every application, and earn residuals on the portfolio you build on High Wire.
- Agent portal with portfolio performance
- Lead submission and onboarding status
- Residual statements and risk alerts
Platforms
Embed onboarding and payments in your software under your own brand, and manage every sub-merchant from one console.
- White-label checkout and merchant portal
- Sub-merchant KYC, KYB, and boarding
- Platform console across all accounts
Banks and processors
Take merchants we have already underwritten, matched to your appetite, with monitoring that continues after boarding.
- Appetite and compliance matching
- Enterprise pre-underwriting in one file
- Ongoing monitoring and reconciled reporting
Portals
A portal for everyone on the platform.
Merchants, agents, and platforms each get a workspace built for their job, running on the same live data.
Good afternoon, Maya
Aurelia & Co, month to date $892,410
Keystone portfolio
Agent ISO-KMS-001, 412 merchants, Diamond tier
| Merchant | Volume, 30d | Approval | Risk | Residual |
|---|---|---|---|---|
| ChronoLuxe Timepieces | $14.2M | 95.2% | A | $18,420 |
| Aurelia & Co | $8.92M | 93.8% | A− | $11,596 |
| Kestrel Studios | $7.14M | 94.0% | A | $9,282 |
| Seabright Outfitters | $4.24M | 91.2% | B | $5,512 |
| Ferndale Pharma | $3.94M | 93.1% | A | $5,122 |
Northstar Booking
Platform account, 186 sub-merchants, white-label
| Sub-merchant | KYB | Status | Volume, 30d |
|---|---|---|---|
| Fieldnote Courses | verified | Live | $412,380 |
| Cedar Telehealth | in review | Onboarding | — |
| Harbor & Pine Goods | verified | Live | $288,915 |
| Lumen Coaching Co. | docs needed | Onboarding | — |
| Atlas Software Inc. | verified | Boarded | $0 |
Portal previews use sample data
Agentic commerce Preview
Specialist AI agents on every onboarding, payment, and dispute.
Two engines of collaborating agents make decisions in real time, explain each one, and learn from outcomes. An oversight agent tunes thresholds within guardrails, and your team stays in control of anything significant.
Agents check documents, ownership, and websites in parallel, approve clean applications, and send edge cases to your team.
Every routing decision records its reasoning and confidence, so operators can review or override it.
The retry agent re-sends soft declines to the next processor, using a network token where it helps.
Evidence is gathered from authorization, 3D Secure, device, and delivery records, and a rebuttal is drafted for your review.
The oversight agent proposes limit and risk changes. Small ones apply within guardrails, and larger ones wait for approval.
New models run in shadow against live traffic and must pass a quality gate before they're promoted.
Underwriting
The platform is what gets complex merchants approved.
Partners see a portfolio that is already screened, reserved, and reconciled, not a form filled in once at signup. Appetite differs by partner, so a file goes to the acquirer it actually fits.
Fraud screening, dispute handling, reserves, and reconciliation run on every transaction on the platform. Risk is measured continuously instead of guessed once at signup, and the partner can see it.
Appetite differs by partner and by category. A file goes to the acquirer whose appetite fits it, underwritten up front in the format they accept, instead of the one that happened to receive it.
Categories are samples.See what underwriting looks for.
Developers
An API your engineers will enjoy.
Create hosted checkout sessions, authorize and capture payments, and follow every payment by a single ID.
- auth
- HTTP Basic, server-side keys
- format
- REST and JSON, amounts in cents
- retries
- Idempotency-Key, 24 hours
- environments
- Sandbox and live
curl -X POST "$HIGHWIRE_API/v1/payments/checkout-session" \ -u "$HIGHWIRE_KEY:$HIGHWIRE_SECRET" \ -H "Content-Type: application/json" \ -d '{ "lineItems": [{ "name": "Annual membership", "amount": 7200, "quantity": 1 }], "customerEmail": "[email protected]", "successUrl": "https://northwind.example/done?session_id={CHECKOUT_SESSION_ID}", "cancelUrl": "https://northwind.example/cart" }' { "paymentId": "01928e3e-7b6c-7c8e-9b3a-5b9f8b9b9b9b", "status": "PENDING", "amount": 7200, "sessionId": "cs_test_a1B2c3D4", "sessionUrl": "https://checkout.example.com/c/pay/cs_test_a1B2c3D4" } # Redirect the customer to sessionUrl to pay.
curl -X POST "$HIGHWIRE_API/v1/payments/auth-and-capture" \ -u "$HIGHWIRE_KEY:$HIGHWIRE_SECRET" \ -H "Idempotency-Key: 9f6a2c58-3d1e-4b7a-8c2f-5e1d4a9b0c3e" \ -d '{ "amount": 7200, "cardNumber": "5555555555554444", … }' { "paymentId": "01928e3e-7b6c-7c8e-9b3a-5b9f8b9b9b9b", "status": "CAPTURED", "amount": 7200 }
Questions we get in the first call.
The short answers are here. The ones that turn on your category, your volume, or the processor you already use come from a person on the first call.
Why not go to a processor directly?
You can, and some merchants should. High Wire is worth it when approval is uncertain, when one processor is a single point of failure, or when you need one set of books across several of them. We do the underwriting once and submit it to partners whose appetite matches your business.
What happens if a processor declines me?
Your file goes to another partner without starting over. Nothing about your integration changes, because you built against High Wire rather than against a processor.
Can I keep the merchant account I already have?
Yes. Connect existing MIDs alongside any you are boarded onto through our partners. Checkout, screening, disputes, reconciliation, and payouts work the same across all of them, and routing rules decide which one takes each payment.
How long does boarding take?
It depends on the category and how complete the application is. We publish a median time from application to live MID, and your agent or account contact can tell you what to expect for your profile.
How do reserves work?
Where a partner requires a reserve, the amount, type, and release schedule are visible in the portal and in the ledger from day one, not discovered at payout time.
Do you work with high-risk categories?
We underwrite businesses that many processors decline, which is why the underwriting work happens before anyone is asked. Some categories remain out of scope, and we will tell you that early rather than after you have integrated.
Do we have to use the whole platform?
No. The products are modular, and the set that applies can differ from one transaction to the next, because the acquiring rail a payment runs on determines which features are available to it. Add or remove pieces as your mix changes, without reintegrating.
Can we run this for the merchants we manage?
Yes. The same platform deploys for a single merchant or white-labeled for a platform, agency, or office managing hundreds of them. Your merchants get checkout and portals under your brand, and you get boarding, routing, and reconciliation across the whole portfolio.
Launch your commerce platform.
Tell us what you're building. We underwrite the business, connect the processors and payment methods it needs, and hand over one API, one ledger, and a portal for everyone who touches it. Agents and platforms get their own from day one.