High Wire Board
Solutions / Industries
IndustriesWhat we underwrite, and what each category has to show
Processors decline by category first and look at the business second. We work the other way around: what the business actually sells, how it sells it, and what its history looks like.
Categories we work with.
Each one carries different chargeback behavior, different network scrutiny, and different partner appetite. Underwriting asks for different evidence accordingly.
| Category | What underwriting looks at | Typical terms |
|---|---|---|
| Supplements and nutraceuticals | Claims made on the site, subscription and trial terms, refund policy, fulfilment evidence | Rolling reserve, chargeback ratio monitoring |
| Subscriptions and memberships | Trial-to-paid conversion, cancellation flow, dunning behavior, involuntary churn | Standard terms, retry and updater strongly advised |
| Coaching and online education | Delivery timeline, refund windows, claims about outcomes, affiliate marketing | Reserve depends on delivery lag |
| Telehealth and wellness | Licensing, prescribing model, state coverage, pharmacy relationships | Compliance review before boarding |
| Travel and events | Time between payment and delivery, cancellation exposure, supplier risk | Reserve sized to delivery lag |
| Software and SaaS | Billing model, free trials, card testing exposure on signup | Standard terms, fraud rules on signup flows |
| Retail and wholesale | Fulfilment times, dropshipping, average ticket, seasonality | Standard terms, Level 2 and 3 data for B2B |
| Marketplaces and platforms | Seller onboarding, payout obligations, liability split | Sub-merchant onboarding and split payouts |
Hard to place is not the same as high risk.
Plenty of good businesses get declined for the category on their application rather than anything they have done. Where the risk is real, we would rather price it, reserve for it, and monitor it than pretend it is not there.
If a category is genuinely out of scope for us and our partners, you will hear that in the first conversation rather than after an integration.
Tell us the category.
We will say early whether it is in scope, what underwriting will ask for, and whether a reserve is likely.