20 · Access · Apply

Apply to the
founding charter.

The Optimum Wallet® Charter is admitted by application. We work with serious high risk merchants, including CBD, RUO research, wellness, online coaching, digital services, and adjacent categories that traditional processors often review more aggressively. Our process is selective, but practical. Founding members set their monthly rate for life, Luma™ guides onboarding, and eligible activation checkouts may offer Klarna or Afterpay so the full charter price does not have to leave the business at once. Where Klarna displays a deferred first payment offer, no payment may be due at checkout.

Apply Now
Founding seats · By review
14 · Enrollment · How to Join

Membership,
end to end.

01
Apply
Submit your business details. It takes about two minutes.
02
Approval
Meet the standard and you can be approved on the spot.
03
Activate
Pay your charter and set your monthly dues.
04
Agreement
Sign your membership agreement.
05
Luma™
Meet your concierge and complete guided onboarding inside the plugin.
06
Setup
Pair your license, connect one storefront, and connect the wallet you own.
07
Live
Use Pro Greenlight or the approved Black rail inside WooCommerce.
Apply for membershipInstant approval when you qualify
theoptimumwallet.comHow To Join · 14
15 · Enrollment · The Application

A serious application,
because we select.

The Optimum Wallet® is payment orchestration and an exclusive Charter, not a processor. Not everyone is selected. Give us the fullest picture and the best chance to say yes.

First name
Last name
Business email
Phone
Business name
Business category
Store or website URL
Business address
Monthly processing volume
Optional. Proven volume can fast track you to Black.
EIN document
Optional. Moves you toward instant approval.
Anything relevant for our review
How selection works

Meet the standard and you are approved instantly. Your Pro rail is reserved on the spot.

Every application moves through automated verification first. Anything our system flags moves to a quick manual review.

An EIN on file is the fastest path to an instant yes.

Membership is an exclusive club. Optimum Wallet® reserves the right to refuse or revoke membership to anyone, at any time, for any reason.

theoptimumwallet.comThe Application · 15