07 · The Charter

An exclusive membership,
with accelerating growth.

The Charter is your seat inside the Optimum Wallet® network: a selective software membership built for merchants who need a real path before traditional processing is ready. It is not an endorsement or authorization of your business. It is access to the wallet framework, Greenlight tools, reconciliation, referral rewards, and the operating record that helps you look more processor ready over time.

I
Selective access
Members are reviewed before admission. We support serious merchants in approved high risk categories.
II
Growth ledger
Confirmed wallet sales are organized into a clean record you can use while preparing for future processing conversations.
III
Member upside
Your seat also unlocks referral rewards, founding rates, and access to the automated rail once you qualify.
theoptimumwallet.comThe Charter · 07
08 · Pricing

Zero percent.
Every time.

Processors may take two to fifteen percent of every sale. The Optimum Wallet® does not take a percentage because your money never passes through us. Optimum Pro activates at $2,500.00 and Optimum Black activates at $5,000.00, each total including the one cent administrative fee. You keep the sale, pay one flat monthly due, and build the volume record traditional processors respect. At real volume, their twelve percent can take more in a single month than Optimum charges in a year.

One flat monthly due
No per transaction fees, ever
Founding rates held while your charter stays active
Growth ledger built toward processing
Klarna and Afterpay at eligible activation checkout
The math, at $40,000 a month
A twelve percent processor keeps$4,800 / mo
The Optimum Wallet® founding duefrom $250 / mo
Their single month costs more than a founding year.
Keep your capital working. Eligible customers may divide activation into provider approved installments. Where Klarna presents Pay in 30, no payment may be due at checkout. Other plans, including Afterpay Pay in 4, generally begin with a first payment. The offer shown at checkout controls.
0%
Taken from every sale
theoptimumwallet.comPricing · 08
09 · Tiers · Pro & Black

Two rails. One standard.

Pro · The Manual Rail
Optimum Pro
$2,499.99 to charter
$250 / month · Founding
Klarna and Afterpay may be available at checkout.
Plus a $0.01 administrative fee. Total activation $2,500.00.
You confirm and release every payment yourself, the instant it lands, with Greenlight and Luma™ beside you.
-Accept Cash App, Venmo & Zelle
-One storefront
-Growth ledger & reconciliation
-Luma™ onboarding, voice Greenlight and standard support
Black · The Automated Rail
Optimum Black
$4,999.99 to charter
$500 / month · Founding
Klarna and Afterpay may be available at checkout.
Plus a $0.01 administrative fee. Total activation $5,000.00.
The Optimum Wallet® confirms payments automatically for approved Charter members. Black is available now to qualified members and remains deliberately selective so the rail stays controlled, stable, and white glove.
+Everything in Pro
+Full automated confirmation
+The Growth Ledger API · your verified sales become advertising signal
+One storefront per code
+Luma™, the Optimum Wallet® Concierge, with onboarding and priority support
theoptimumwallet.comTiers · 09
10 · Activation · What You Receive

One activation.
Your complete WooCommerce operating layer.

The Optimum Wallet® is a protected WooCommerce plugin and private merchant Portal. It is not available for Shopify. One code activates one storefront. After your agreement is accepted, Luma™ guides setup without exposing the protected system behind it.

01
WooCommerce plugin
A protected plugin built specifically for WooCommerce checkout and order state handling.
02
Private merchant Portal
Orders, wallets, activity, member tools, and protected Greenlight controls in one operating space.
03
Luma™
The Optimum Wallet® Concierge for onboarding, Portal navigation, status explanation, and voice activated Greenlight support.
04
One storefront per code
Each license is paired to one approved business and one WooCommerce storefront.
05
Growth ledger
Confirmed wallet sales are organized for reconciliation and future processing conversations.
06
Your selected rail
Pro includes manual Greenlight. Black adds selective automated confirmation for qualified members following review.
Activation totals: Optimum Pro is $2,500.00 and Optimum Black is $5,000.00, each including the one cent administrative fee. Eligible customers may divide activation through Klarna or Afterpay. Where Klarna presents Pay in 30, no payment may be due at checkout. Afterpay Pay in 4 generally begins with a first payment.
Apply for membership
theoptimumwallet.comActivation Includes · 10
11 · Access · The Automated Rail

Exclusive by design.
Attained by merit.

Optimum Black is our most refined rail, with fully automated confirmation for merchants who meet the standard. It is not a line you wait in; it is a tier you qualify for and step into. Meet the requirements and you can activate Black at a $4,999.99 charter price plus the one cent administrative fee, a $5,000.00 activation total, and $500 a month. Eligible checkout customers may use Klarna or Afterpay when available.

01
Meet the standard
Black is offered to merchants who qualify on volume, stability, and fit.
02
Qualify for Black
Request Black during activation or from inside your membership. Selection remains exclusive and qualification based.
03
Activate full automation
Qualified members activate at a $5,000.00 activation total and $500 a month. Klarna and Afterpay may be available at checkout.
theoptimumwallet.comThe Automated Rail · 11
12 · Members Only · The Affiliate Program

$250 a referral,
paid in real time.

There is no affiliate program like it. Every approved member you bring into the Charter can pay you $250, tracked through the affiliate portal, with the option to take one month free instead. It is private, aggressive, and members only. You have to be in the Charter to earn from the Charter.

$250
Cash
Paid to you for every approved merchant you bring into the network.
OR
One month free
On the house
Apply the reward to your next monthly due instead. Your choice each time.
Powered by GoAffPro · Real time payouts & full tracking
theoptimumwallet.comAffiliate · 12
13 · Trust · The Founding Charter

Proof, the honest way.

We are admitting a founding cohort of serious high risk merchants, the kind traditional processors often review hardest: research and wellness brands, coaching, digital services, and adjacent categories. Founding members keep their founding rate while their charter remains active, and get first access to the automated rail once they qualify. Black now includes the Growth Ledger API, where every verified sale becomes advertising signal your marketing team can scale on.

Built on a live store

The Optimum Wallet® is proven on a real, operating store before it is offered to you. After our own processor dropped us, we moved over fifty thousand dollars on this exact rail. This is not a concept. It runs.

Founding seats
By review
Categories served
Research, wellness, coaching, digital, and adjacent
Founding rate
Held for active charters
theoptimumwallet.comThe Founding Charter · 13