High Wire Route
Products / Route
High Wire RouteEverything a processor gives you, across every processor
A gateway, a vault, wallets, fraud tools, disputes, settlement, and a portal. One processor gives you all of that, locked to them. High Wire gives you the same set across every processor you use, including the MIDs you already hold.
Every payment has a choice of route.
Each payment goes to the processor most likely to approve it at the best price, and moves to another in seconds if that one declines or goes quiet. The customer sees one attempt.
Sample traffic
The same capabilities, without the lock-in.
This is the full picture of what a payment service provider delivers, and what changes when the same capability runs across several of them at once.
| Capability | With a single processor | With High Wire orchestration |
|---|---|---|
| Gateway and APIs | One integration, their API, their versioning | One integration for all processors. Add or replace a processor without touching your code |
| Checkout | Their hosted page or elements | High Wire Checkout, High Wire Components, or API checkout, the same on every processor |
| Card vault and tokens | Tokens that belong to that processorMoving means a migration project | One vault, tokens usable across processors, so cards keep working when routing changes |
| Wallets and local methods | Whatever they support in each market | The combined coverage of every connected processor |
| Approval optimization | Their retries, network tokens, and account updater | All of that, plus cascading retries to a different processor when one declines |
| Fraud and 3D Secure | Their engine, their rules, their scores | Your rules applied consistently everywhere, including on API checkouts through the SDK |
| Disputes | Their console, their evidence format, their deadlines | One queue across processors, with evidence assembled and deadlines tracked in one place |
| Settlement and funding | Their report, their schedule, their format | One reconciled ledger across every processor, proved against the bank |
| Merchant management | Their portal, per processor | One portal for merchants, agents, and platforms across all processors |
| Underwriting and boarding | Apply to each one separately, from scratch | Underwritten once by High Wire and submitted to the partners that fit |
| If they go down | You wait | Traffic fails over to another processor automatically |
| If they decline you | You start again somewhere else | Your file goes to a partner whose appetite matches your profile |
Why this matters commercially.
Route by issuer performance, card type, and region, then retry soft declines on a second processor instead of losing the sale.
Processor outages, sudden risk decisions, and account reviews stop being existential when volume can move the same day.
Send each transaction to the processor with the best economics for that card and market, and see the difference in the ledger.
When switching costs are low, pricing conversations with processors change. Your volume is portable and they know it.
Every processor settles differently. The ledger normalizes them so finance closes once, not once per provider.
Adding a processor, a market, or a payment method is a configuration change, not another integration project.
Bring the MIDs you already have.
Connect existing merchant accounts alongside the ones you are boarded onto through our partners. The same checkout, screening, disputes, and ledger apply to all of them, and routing rules decide which one takes each payment.
If a processor declines you later, or your volume outgrows them, the rest of the platform doesn't change.
Sample routing data
What it does
- One integration in front of every processor and MID you hold
- Routing rules by cost, BIN, issuer, card type, and market
- Automatic failover when a processor declines or stops answering
- Retry sequencing driven by the decline code, not a fixed schedule
- Portable vault, so stored cards are not tied to one processor
- One dispute queue and one reconciled ledger across all processors
What you get
- Higher approval rates from sending each payment where it is most likely to land
- No single point of failure, so one processor's decision cannot end your revenue
- Lower effective cost, by routing on economics rather than habit
- Leverage in pricing conversations, because your volume can actually move
- One set of books, so finance closes once rather than once per provider
Add a processor without a project.
Bring the MIDs you already hold and route the next payment to whichever one is performing.