Apply for a Nutra Merchant Account with High Wire Payments

About High Wire Payments

High Wire Payments is a Los Angeles-based payment processor specializing in high-risk, mid-risk, and hard-to-place merchant accounts. Our focus is helping merchants in complex verticals like nutraceuticals, CBD, subscription trials, and eCommerce continuity scale without getting shut down.

• No contracts or termination fees
• 1-on-1 support from a dedicated agent
• Same-day internal underwriting
• 0 downtime integration with NMI & Authorize.net
• Multiple high-risk banking partners.

Required Documents

Submitting a clean file helps you get approved faster. Here’s what you’ll need:

• Government-issued photo ID
• Voided check or bank letter
• 3 months of bank statements (personal or business)
• 3 months of processing statements (if available)
• EIN letter
• Articles of Incorporation
• Fulfillment agreement or inventory photos
• Lab results / COAs for any ingestible or topical products

Optional but helpful: business license, product packaging photos, supplier invoices.

Website Requirements

Your website should be professionally built and fully compliant. Common requirements include:

• Card brand logos in footer (Visa, MC, Amex, Discover)
• Age gate (21+ popup)
• FDA disclaimer visible
• Shipping restrictions clearly listed
• Ingredients & strength listed per product
• Link to COAs from product page
• Terms of Service, Privacy Policy, Return & Shipping policies
• Visible contact information

Application Process

Here’s what to expect:

1. Pre-App: Submit a quick intake form.
   Submit Pre-App →
2. Bank App: Receive your full application to eSign.
3. Internal Underwriting: Reviewed the same day. We’ll let you know if anything is missing (this is called a “pend”).
4. Bank Underwriting: The file is submitted to our partner bank, who may request final documents (e.g., utility bill, COAs, shipping policy updates).
5. Approval: Your account is approved and assigned a MID (Merchant ID).

Approval typically takes 5-7 business days. A pend will pause the entire application, which may delay the process. The quicker a pend is resolved, the quicker your approval.

Gateway Setup & Support

Once approved, your account is connected to your website via NMI, Authorize.net, Sticky.io, or other gateways.

• Setup takes 15 minutes or less
• No downtime — continue accepting payments uninterrupted
• Live onboarding support included

Apply Now

We’re trusted by top nutra, supplement, and high-risk brands across the U.S. If you’re ready to get started:

Apply Now →