Highnote Money Movement API
Move funds across multiple payment rails from a single API surface (initiateTransferBetweenFinancialAccounts, initiateAchTransfer, initiateUnifiedFundsTransfer). Supports standard and same-day ACH, domestic wire, Real-Time Payments (RTP), and near-real-time push-to-card via Mastercard Move and Visa Direct, with FedNow noted as coming soon. On-us transfers between Highnote financial accounts settle instantly; external transfers route over the appropriate network rail based on cost, speed, and destination.