Highnote

aid: highnote
url: https://raw.githubusercontent.com/api-evangelist/highnote/refs/heads/main/apis.yml
name: Highnote
kind: company
description: Highnote is a modern, unified embedded-finance and banking-as-a-service platform for card issuing, card acquiring,
  credit, and real-time money movement, with a built-in real-time programmable ledger and full program management. The entire
  platform is driven by a single GraphQL API at https://api.us.highnote.com/graphql (test https://api.us.test.highnote.com/graphql),
  authenticated with a base64-encoded API key over HTTP Basic auth. One endpoint covers card products, US person and business
  account holders (KYC/KYB onboarding), financial accounts and credit lines, virtual/physical/tokenized payment cards, transaction
  authorization and clearing, disputes, spend and velocity rules, collaborative authorization, multi-rail money movement (ACH,
  wire, RTP, push-to-card), and outbound webhook event notifications. Highnote is a US-based platform serving digital-first
  businesses embedding financial products; access is enterprise, contract-gated, with self-serve dashboard signup and a test
  environment.
accessModel:
  pricing: enterprise
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Enterprise · Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/highnote.png
tags:
- Card Issuing
- Card Acquiring
- Embedded Finance
- Banking-as-a-Service
- Fintech
- Payments
- GraphQL
- Ledger
- Credit
- Money Movement
- ACH
- KYC
- United States
created: '2026-06-20'
modified: '2026-07-23'
specificationVersion: '0.19'
apis:
- aid: highnote:highnote-issuing-api
  name: Highnote Issuing API
  description: Create and configure card products (createCardProduct) for debit, credit, prepaid, fleet, and charge programs,
    then issue virtual, physical, and tokenized digital payment cards (issuePaymentCardForApplication, createPhysicalCardGroupOrder),
    activate/suspend/close cards, and push-provision to Apple Pay and Google Pay. Includes card design, form-factor control,
    and branded or embedded credit product configuration. Driven through the single GraphQL endpoint with HTTP Basic auth
    using a base64-encoded API key.
  humanURL: https://docs.highnote.com/docs/issuing/about-issuing
  baseURL: https://api.us.highnote.com/graphql
  tags:
  - Card Issuing
  - Card Products
  - Payment Cards
  - Virtual Cards
  - Physical Cards
  - Credit
  - GraphQL
  - United States
  properties:
  - type: OpenAPI
    url: openapi/highnote-graphql-api-openapi.yml
  - type: Documentation
    url: https://docs.highnote.com/docs/issuing/about-issuing
  - type: APIReference
    url: https://docs.highnote.com/docs/api-reference/mutation
  - type: GraphQL
    url: graphql/highnote-graphql.md
  - type: Documentation
    url: https://docs.highnote.com/docs/issuing/templates/consumer-prepaid
- aid: highnote:highnote-account-holders-api
  name: Highnote Account Holders & Onboarding API
  description: Onboard US person and US business account holders (createUSPersonAccountHolder, createUSBusinessAccountHolder),
    manage authorized users, submit and accept card product applications (createAccountHolderCardProductApplication), run
    KYC/KYB identity verification and identity-update flows, and query personAccountHolders and businessAccountHolders. Handles
    the compliance and onboarding lifecycle that gates issuing, credit, and money-movement products through the single GraphQL
    endpoint.
  humanURL: https://docs.highnote.com/docs/issuing/accounts/onboarding/onboard-an-account
  baseURL: https://api.us.highnote.com/graphql
  tags:
  - Account Holders
  - Onboarding
  - KYC
  - KYB
  - Applications
  - Compliance
  - GraphQL
  - United States
  properties:
  - type: OpenAPI
    url: openapi/highnote-graphql-api-openapi.yml
  - type: Documentation
    url: https://docs.highnote.com/docs/issuing/accounts/onboarding/onboard-an-account
  - type: APIReference
    url: https://docs.highnote.com/docs/api-reference/object
  - type: GraphQL
    url: graphql/highnote-graphql.md
- aid: highnote:highnote-acquiring-api
  name: Highnote Acquiring API
  description: Accept and process payments as a merchant acquirer through the single GraphQL endpoint. Authorize, capture,
    charge, and cancel payment transactions (authorizePaymentCard, capturePaymentTransaction, chargePaymentCard), handle incremental
    and force captures, and manage the acquiring transaction lifecycle. Highnote's unified platform pairs acquiring with issuing
    and a real-time ledger so funds flow can be orchestrated on one system of record.
  humanURL: https://docs.highnote.com/docs/acquiring/about-acquiring
  baseURL: https://api.us.highnote.com/graphql
  tags:
  - Card Acquiring
  - Payment Processing
  - Authorizations
  - Clearing
  - Merchant Payments
  - GraphQL
  - United States
  properties:
  - type: OpenAPI
    url: openapi/highnote-graphql-api-openapi.yml
  - type: Documentation
    url: https://docs.highnote.com/docs/acquiring/about-acquiring
  - type: APIReference
    url: https://docs.highnote.com/docs/api-reference/mutation
  - type: GraphQL
    url: graphql/highnote-graphql.md
- aid: highnote:highnote-money-movement-api
  name: Highnote Money Movement API
  description: 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.
  humanURL: https://docs.highnote.com/docs/money-movement/about-money-movement
  baseURL: https://api.us.highnote.com/graphql
  tags:
  - Money Movement
  - ACH
  - Wire Transfers
  - RTP
  - Instant Payments
  - Push to Card
  - GraphQL
  - United States
  properties:
  - type: OpenAPI
    url: openapi/highnote-graphql-api-openapi.yml
  - type: Documentation
    url: https://docs.highnote.com/docs/money-movement/about-money-movement
  - type: Documentation
    url: https://docs.highnote.com/docs/money-movement/payment-rails/transfer-funds-api
  - type: APIReference
    url: https://docs.highnote.com/docs/api-reference/mutation
  - type: GraphQL
    url: graphql/highnote-graphql.md
- aid: highnote:highnote-transactions-api
  name: Highnote Transactions & Disputes API
  description: Query and manage the full payment transaction lifecycle (paymentTransactions, transactionBatches) with HQL
    search and Relay cursor pagination, read pending, cleared, and settled states against the real-time ledger, and initiate
    and track cardholder transaction disputes (initiateCustomerCardTransactionDispute). Covers authorizations, clearings,
    reversals, and refunds surfaced through the single GraphQL endpoint.
  humanURL: https://docs.highnote.com/docs/issuing/transactions/transaction-lifecycle
  baseURL: https://api.us.highnote.com/graphql
  tags:
  - Transactions
  - Disputes
  - Clearing
  - Ledger
  - Reporting
  - GraphQL
  - United States
  properties:
  - type: OpenAPI
    url: openapi/highnote-graphql-api-openapi.yml
  - type: Documentation
    url: https://docs.highnote.com/docs/issuing/transactions/transaction-lifecycle
  - type: APIReference
    url: https://docs.highnote.com/docs/api-reference/query
  - type: GraphQL
    url: graphql/highnote-graphql.md
- aid: highnote:highnote-spend-controls-api
  name: Highnote Spend Controls & Collaborative Authorization API
  description: Attach spend rules and velocity rules to card products and financial accounts to govern where, when, and how
    much can be spent, and register a collaborative-authorization endpoint (addCollaborativeAuthorizationEndpoint, activateCollaborativeAuthorizationEndpoint)
    so your own service participates in real-time authorization decisions, returning approve or decline responses on each
    card authorization within the network timeout window. Enables programmable risk and controls on top of the single GraphQL
    platform.
  humanURL: https://docs.highnote.com/docs/issuing/spend-controls/collaborative-authorization
  baseURL: https://api.us.highnote.com/graphql
  tags:
  - Spend Controls
  - Velocity Rules
  - Collaborative Authorization
  - Real-time Decisioning
  - Risk
  - GraphQL
  - United States
  properties:
  - type: OpenAPI
    url: openapi/highnote-graphql-api-openapi.yml
  - type: Documentation
    url: https://docs.highnote.com/docs/issuing/spend-controls/collaborative-authorization
  - type: APIReference
    url: https://docs.highnote.com/docs/api-reference/mutation
  - type: GraphQL
    url: graphql/highnote-graphql.md
- aid: highnote:highnote-webhooks-api
  name: Highnote Webhooks & Event Notifications API
  description: Register HTTPS webhook notification targets (addWebhookNotificationTarget), activate and deactivate them, and
    subscribe to event types (addSubscriptionsToNotificationTarget) so Highnote pushes account, card, transaction, transfer,
    and application events to your systems in real time rather than requiring you to poll the API. Delivered events are also
    queryable via notificationEvents. All configuration runs through the single GraphQL endpoint; delivery is outbound HTTPS
    POST to your registered target.
  humanURL: https://docs.highnote.com/docs/developers/about-developers
  baseURL: https://api.us.highnote.com/graphql
  tags:
  - Webhooks
  - Event Notifications
  - Events
  - Subscriptions
  - Real-time
  - GraphQL
  - United States
  properties:
  - type: OpenAPI
    url: openapi/highnote-graphql-api-openapi.yml
  - type: Documentation
    url: https://docs.highnote.com/docs/developers/about-developers
  - type: APIReference
    url: https://docs.highnote.com/docs/api-reference/mutation
  - type: GraphQL
    url: graphql/highnote-graphql.md
common:
- type: PostmanWorkspace
  url: https://www.postman.com/kinlaneapi/highnote/overview
- type: AgenticAccess
  url: agentic-access/highnote-agentic-access.yml
- type: DomainSecurity
  url: security/highnote-domain-security.yml
- type: Authentication
  url: authentication/highnote-authentication.yml
- type: Website
  url: https://highnote.com
- type: DeveloperPortal
  url: https://docs.highnote.com/docs/developers/about-developers
- type: Documentation
  url: https://docs.highnote.com
- type: GitHubOrganization
  url: https://github.com/Highnote-Platform
- type: LinkedIn
  url: https://www.linkedin.com/company/highnote-platform
- type: Blog
  url: https://highnote.com/blog
- type: Pricing
  url: https://highnote.com/pricing
- type: TermsOfService
  url: https://highnote.com/agreements/terms/01-05-22
- type: PrivacyPolicy
  url: https://highnote.com/agreements/privacy
- type: Support
  url: https://support.highnote.com/hc/en-us
- type: StatusPage
  url: https://status.highnote.com
- type: GettingStarted
  url: https://docs.highnote.com/docs/get-started/about-highnote
- type: SignUp
  url: https://dashboard.highnote.com
- type: Plans
  url: plans/highnote-plans-pricing.yml
- type: RateLimits
  url: rate-limits/highnote-rate-limits.yml
- type: FinOps
  url: finops/highnote-finops.yml
- type: Packages
  url: packages/highnote-packages.yml
- type: SDKs
  url: packages/highnote-packages.yml
- type: MCPServer
  url: mcp/highnote-mcp.yml
- type: ToolCrosswalk
  url: mcp/highnote-tool-crosswalk.yml
- type: LLMsTxt
  url: llms/highnote-llms.txt
- type: WellKnown
  url: well-known/highnote-well-known.yml
- type: Overlay
  url: overlays/highnote-graphql-api-overlay.yaml
- type: Conformance
  url: conformance/highnote-conformance.yml
- type: Compliance
  url: https://docs.highnote.com/docs/get-started/introduction/pci-dss-compliance
- type: ErrorCatalog
  url: errors/highnote-problem-types.yml
- type: DeclineCodes
  url: errors/highnote-decline-codes.yml
- type: Lifecycle
  url: lifecycle/highnote-lifecycle.yml
- type: Deprecation
  url: https://docs.highnote.com/docs/developers/api/status-changes
- type: Conventions
  url: conventions/highnote-conventions.yml
- type: Idempotency
  url: conventions/highnote-conventions.yml
- type: ChangeLog
  url: changelog/highnote-changelog.yml
- type: Sandbox
  url: sandbox/highnote-sandbox.yml
- type: Components
  url: components/highnote-components.yml
- type: DataModel
  url: data-model/highnote-data-model.yml
- type: AsyncAPI
  url: asyncapi/highnote-events-asyncapi.yml
- type: Webhooks
  url: asyncapi/highnote-events-asyncapi.yml
- type: AgentSkill
  url: skills/_index.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com