Highnote

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.

Highnote publishes 7 APIs on the APIs.io network, including Issuing API, Account Holders & Onboarding API, Acquiring API, and 4 more. Tagged areas include Card Issuing, Card Acquiring, Embedded Finance, Banking as a Service, and Fintech.

The Highnote catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Highnote’s developer surface includes API reference, authentication, documentation, engineering blog, pricing, support, getting-started guide, and 38 more developer resources.

🌐 Visit website 📡 Source on GitHub

71.8/100 exemplar ▬ flat Agent 33/100 agent ready saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

AccessEnterprise

1 APIs

Card IssuingCard AcquiringEmbedded Finance Banking as a Service Fintech Payments GraphQL Ledger Credit Money Movement ACH KYC United States

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 71.8/100 · exemplar

Contract Quality 12.6 / 19

Developer Ergonomics 11.2 / 15

Access Clarity 12.2 / 15

Operational Transparency 6.9 / 10

Contract Governance 1.6 / 9

Discoverability 5.7 / 8

Regulatory Posture 10.3 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 33/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 6 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/highnote: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 7

Individual APIs this provider publishes, each with its own machine-readable definition.

Highnote Issuing API

Create and configure card products (createCardProduct) for debit, credit, prepaid, fleet, and charge programs, then issue virtual, physical, and tokenized digital payment cards ...

Highnote Account Holders & Onboarding API

Onboard US person and US business account holders (createUSPersonAccountHolder, createUSBusinessAccountHolder), manage authorized users, submit and accept card product applicati...

Highnote Acquiring API

Accept and process payments as a merchant acquirer through the single GraphQL endpoint. Authorize, capture, charge, and cancel payment transactions (authorizePaymentCard, captur...

Highnote Money Movement API

Move funds across multiple payment rails from a single API surface (initiateTransferBetweenFinancialAccounts, initiateAchTransfer, initiateUnifiedFundsTransfer). Supports standa...

Highnote Transactions & Disputes API

Query and manage the full payment transaction lifecycle (paymentTransactions, transactionBatches) with HQL search and Relay cursor pagination, read pending, cleared, and settled...

Highnote Spend Controls & Collaborative Authorization API

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 endpoi...

Highnote Webhooks & Event Notifications API

Register HTTPS webhook notification targets (addWebhookNotificationTarget), activate and deactivate them, and subscribe to event types (addSubscriptionsToNotificationTarget) so ...

Scroll for all 7

Postman Collections 1

Ready-to-run Postman collections for exercising this provider's APIs.

Highnote GraphQL API

POSTMAN

Open Collections 3

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

API Collection

OPEN COLLECTION

Highnote GraphQL API

OPEN COLLECTION

Highnote GraphQL API

OPEN COLLECTION

GraphQL 1

GraphQL schemas published by this provider.

Highnote GraphQL API

The [Highnote](https://highnote.com/) embedded-finance platform exposes a **single GraphQL

GRAPHQL

Pricing Plans 1

Published pricing tiers and plan structures.

Highnote Plans Pricing

2 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Highnote Rate Limits

2 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Highnote Finops

FINOPS

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Highnote Event Notifications

Highnote delivers event notifications to registered HTTPS webhook notification targets (addWebhookNotificationTarget) via outbound POST. Subscribe a target to event types with a...

ASYNCAPI

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Highnote Authentication

http · 1 scheme

SECURITY

Highnote Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Highnote Agentic Access

1 operation · 1 acting

1 operations · 1 acting

AGENTIC

Resources

Get Started 4

Portal, sign-up, and the first successful call

DeveloperPortal

GettingStarted

Signup

Sandbox

Documentation 3

Reference material describing how the API behaves

APIReference

APIReference

Documentation

Documentation

AsyncAPI

AsyncAPI

Agent Surfaces 6

MCP servers, agent skills, and machine-readable catalogs

AgentSkill

AgentSkill

AgenticAccess

AgenticAccess

X-MCPServerCandidate

LLMsTxt

WellKnown

AgentSkills

Design & Contract 8

Pagination, idempotency, versioning, errors, and events

Conformance

ErrorCatalog

Lifecycle

Conventions

Idempotency

Components

DataModel

Webhooks

Scroll for all 8

Build 7

SDKs, sample code, and the tooling you integrate with

SDKs

SDKs

PostmanWorkspace

PostmanWorkspace

GitHubOrganization

Packages

SDKs

ToolCrosswalk

DeclineCodes

Scroll for all 7

Access & Security 3

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Compliance

Compliance

Operate 5

Status, limits, changes, and where to get help

Support

Support

StatusPage

StatusPage

RateLimits

RateLimits

DeprecationPolicy

DeprecationPolicy

ChangeLog

ChangeLog

Commercial 5

Pricing, plans, and the legal terms of use

Pricing

TermsOfService

PrivacyPolicy

Plans

FinOps

Company 3

The organization behind the API

Website

Website

LinkedIn

Blog

Blog

Other 1

Properties that don't map to a standard resource type

Overlay

Overlay

Source (apis.yml)

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.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: enterprise
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Enterprise
  confidence: high
  source:
  - plans
  - authentication
  - security
  - sandbox
  generated: '2026-09-03'
  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
tags_raw:
- 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: '0.23'
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
  - Application
  - Compliance
  - GraphQL
  - United States
  tags_raw:
  - 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:
  - Transaction
  - Disputes
  - Clearing
  - Ledger
  - Reporting
  - GraphQL
  - United States
  tags_raw:
  - 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:
  - Webhook
  - Event Notifications
  - Event
  - Subscription
  - Real-Time
  - GraphQL
  - United States
  tags_raw:
  - 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: AgentSkill
  url: skills/highnote-accept-a-payment.md
- type: APIReference
  url: https://docs.highnote.com/docs/tags/api
- type: SDKs
  url: https://docs.highnote.com/docs/developers/sdks/about-sdks
- 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: X-MCPServerCandidate
  url: mcp/highnote-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- 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: DeprecationPolicy
  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: AgentSkills
  url: skills/_index.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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