Solutions / Platforms
For platformsPayments inside your product, without becoming a payments company
Embedding payments is a question of how much of it you want to own. Building it yourself is a roadmap that never finishes. Becoming a payfac is a compliance program with staff attached. There is a third answer.
Build it, become it, or embed it.
All three get payments into your product. They differ in what you carry afterwards, which is the part that is hard to reverse.
| Build it yourself | Become a payfac | Embed High Wire | |
|---|---|---|---|
| Sub-merchant onboarding | You build the forms and the KYB | You build it and you own the decision | KYC, KYB, and boarding under your brand, underwritten by us |
| Compliance and liability | Shared with whoever you integrated | Yours, including the losses | Carried by us and the sponsor bank, with your exposure stated up front |
| Fraud and disputes | A second vendor and a second integration | A team you hire | Screening and dispute handling on every sub-merchant by default |
| Payouts and splits | You reconcile it yourself | You reconcile it yourself | Splits recorded at capture, payouts proved against the bank |
| Branding | Yours, if you build it | Yours | White-label checkout, portals, and domains |
| If a processor says no | That sub-merchant is stuck | You place them yourself | The file goes to a partner whose appetite fits |
| What you maintain | The integration, forever | The program, forever | Your product |
One console across every sub-merchant.
Boarding status, volume, and risk for the whole platform, on your own checkout domain and under your own brand.
Sample data
Put payments in your product.
Tell us how your sub-merchants sign up today, and we will show you what it looks like with boarding built in.