Company / About us

About High Wire

We sit between the businesses that need to get approved and the banks and processors that decide. We underwrite before anyone is asked, submit only where appetite fits, and stay accountable for the portfolio after it boards.

Why we built it.

High Wire started inside the problem rather than next to it. Running payments at volume, for businesses that were hard to place, meant assembling the stack yourself.

What we inherited
Gatewaycontract 1
Card vaultcontract 2
Fraud screeningcontract 3
3D Securecontract 4
Dispute alertscontract 5
Representmentcontract 6
Orchestrationcontract 7
KYC and KYBcontract 8
Payoutscontract 9
Reportingcontract 10
Merchant portalper processor
Reconciliationa spreadsheet

Twelve logins, ten renewal dates, and no single place where a payment’s whole life is written down.

What we built

One platform.
One merchant record.
One set of books.

Underwriting, acceptance, risk, routing, payouts, and reconciliation on the same record, across every processor you are boarded with. A change in any of them is a change in all of them.

Every one of those tools worked. None of them knew about each other. A card updated in one system did not update in the vault. A dispute won in one console never reached the ledger. When a processor changed a fee or started slowing down, nobody found out from the software. They found out from the payout.

The obvious answer was one more tool. We built the opposite. At high volume, across several processors, that is the difference between a business that runs and a business that is permanently reconciling.

Stability is not something you buy. It is what integration produces.

Where we sit in the chain.

Merchants, agents, and platforms come to us. Banks and processors decide. In between sits a platform built to run commerce that does not fit on a single processor: acceptance, risk, routing, payouts, and books that balance.

comes to us

The demand side

  • MerchantsDirect
  • Agents and ISOsPortfolios
  • PlatformsSub-merchants
  • Existing MIDsConnected
what we do
Underwrite the business and its owners
Board with partner PSPs
Accept on every checkout type
Screen each transaction
Route and lift authorization rates
Work disputes, hold reserves
Pay out on schedule
Reconcile against the bank
Acquiring banksApprove the merchant and hold the relationshipdecides
Processors and PSPsAuthorize, capture, and settle the transactiondecides
Sponsor banksUnderwrite the program and fund the payoutsdecides

We are not the acquirer. The decision stays with the partner. The preparation, the monitoring, and the reconciliation are ours.

Come and look at the file.

Partners are welcome to review how we underwrite, and what we keep monitoring afterwards, before agreeing to anything.