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 1 API contract indexed on the APIs.io network: Graph QL API. 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 and 1 Spectral governance ruleset.

Highnote’s developer surface includes API reference, authentication, documentation, engineering blog, pricing, support, getting-started guide, and 39 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

69.4/100 exemplar ▬ flat Agent 31/100 agent ready Front door AI 1/6 silent Heartbeat 100/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessPaid

1 published contract 4 Agent Skills

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

What people ask Highnote 1

The questions people put to an LLM, and the jobs they hand an agent, that Highnote's APIs answer — each one linked to the operation that does it. Generated by API Evangelist

Highnote Graph QL API Run a GraphQL query or mutation on Highnote “How do I send a GraphQL query or mutation to the Highnote platform?”

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 69.4/100 · exemplar

Contract Quality 11.6 / 19

Developer Ergonomics 11.2 / 15

Access Clarity 13.8 / 15

Operational Transparency 5.4 / 10

Contract Governance 2.9 / 9

Discoverability 5.5 / 8

Regulatory Posture 5.9 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 31/100 · 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

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

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/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)
Documented Reversibility +6 pts — a reversal operation in the contract, graded up when a window is documented too
Protected Resource Metadata +5 pts — a served /.well-known/oauth-protected-resource carrying `resource` (documented), and naming its authorization_servers (verified)

4 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 62.1 — up to +9.5 composite points
Contract Governance scores 31.8 — up to +8.2 composite points
Operational Transparency scores 55.3 — up to +5.8 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

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 the provider profile at artifacts.apis.io/highnote/apis.yml: open an issue on github.com/api-evangelist/highnote to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
RegTech, AML/KYC and Money Transmission	distribution	9.6 (thin)	-	-
GraphQL Ecosystem (Foundation, graphql.org listings, public GraphQL APIs)	distribution	9.6 (thin)	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 3

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

GraphQL

tagged — the provider's own APIs.json carries the standard as a tag; implementation not verified

NACHA

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

GRAPHQL

Highnote API pricing

Prices published by Highnote, read 2026-10-28 from highnote.com/pricing.

Plan	Price
Issuing Standard	Custom Includes: Transparent Pricing Breakdowns, Volume Discounts, Interchange Split, Dedicated Program Manager
Acquiring Standard	2.85% + .25¢ Includes: Access All Features, Pay-As-You-Go Pricing, No Hidden Fees, Easy Setup
Acquiring Enterprise	Custom Includes: Flexible Pricing Models, Transparent Pricing Breakdowns, Volume Discounts, Dedicated Payments Specia

Plan details, limits and sources →

Rate limits

GraphQL Requests: see provider documentation requests
Mutating Operations: see provider documentation requests

Compiled by API Evangelist, not yet checked against Highnote's documentation. Rate-limit details →

Billed by: transaction · FinOps profile →

Pricing Plans 2

Published pricing tiers and plan structures.

Highnote Plans Pricing

3 plans

PLANS

Highnote Price Estimates

0 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Highnote Rate Limits

2 limits

RATE LIMITS

Service Levels 1

Uptime the provider promises or reports, as SLA4OAI. Read from its own pages; APIs.io runs no monitors.

Highnote

SLA

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

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Highnote API Rules

54 rules · 52 errors 1 warnings 1 info

SPECTRAL

OpenAPI Overlays 2

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Highnote Graph Ql Api Phrasing Overlay

2 actions · phrasing · highnote-graph-ql-api-openapi.yml

GENERATED

Highnote Graphql Api Overlay

2 actions · update · highnote-graphql-api-openapi.yml

DERIVED

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 4

The organization behind the API

BlogRSS

BlogRSS

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: paid
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Paid
  confidence: high
  source:
  - plans
  - authentication
  - security
  - sandbox
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/highnote.png
x-docs-platform: docusaurus
x-docs-platform-confidence: medium
x-docs-platform-checked: 2026-10-03
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: '2026-10-06'
specificationVersion: '0.23'
apis:
- aid: highnote:highnote-graph-ql-api
  name: Highnote Graph QL API
  description: Single GraphQL endpoint for all Highnote operations.
  humanURL: https://docs.highnote.com/docs/issuing/about-issuing
  baseURL: https://api.us.highnote.com/graphql
  tags:
  - GraphQL
  tags_raw:
  - Graph QL
  properties:
  - type: OpenAPI
    url: openapi/highnote-graph-ql-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
  - 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: Documentation
    url: https://docs.highnote.com/docs/acquiring/about-acquiring
  - 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: Documentation
    url: https://docs.highnote.com/docs/issuing/transactions/transaction-lifecycle
  - type: APIReference
    url: https://docs.highnote.com/docs/api-reference/query
  - type: Documentation
    url: https://docs.highnote.com/docs/issuing/spend-controls/collaborative-authorization
  - type: Documentation
    url: https://docs.highnote.com/docs/developers/about-developers
common:
- url: https://highnote.com/blog/rss.xml
  type: BlogRSS
- 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

Highnote API — frequently asked questions

Does Highnote have an API?

Yes. APIs.io lists 1 API from Highnote, including Highnote Graph QL API.

Is there an OpenAPI specification for the Highnote API?

Yes. APIs.io indexes 1 OpenAPI specification for Highnote, each linked for download from this page.

How do I authenticate with the Highnote API?

Highnote uses bearer-token authentication (http · 1 scheme). The details are profiled on APIs.io as Highnote Authentication.

How much does the Highnote API cost?

Highnote publishes its prices; its Issuing Standard plan is Custom as of 2026-10-28. APIs.io lists 3 pricing plans for Highnote, with each plan's price, limits and inclusions under Pricing on this page.

Is the Highnote API ready for AI agents?

Highnote has a Kin Score of 69.4 out of 100 (exemplar) and an Agent Readiness score of 31.0 (agent-ready), scored by API Evangelist on 2026-11-06.

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