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 platform for card issuing,
  acquiring, credit, and real-time money movement, with a built-in ledger and program
  management. The entire platform is driven by a single GraphQL API at
  https://api.us.highnote.com/graphql, authenticated with a base64-encoded API key
  over HTTP Basic auth, covering card products, account holders (persons and
  businesses), financial accounts, payment cards, transactions/authorizations,
  transfers, collaborative authorization, spend/velocity rules, and webhook
  notifications.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Card Issuing
- Embedded Finance
- Fintech
- Payments
- GraphQL
- Ledger
- Credit
created: '2026-06-20'
modified: '2026-06-20'
specificationVersion: '0.19'
apis:
- aid: highnote:card-issuing
  name: Highnote Card Issuing API
  tags:
  - Card Products
  - Payment Cards
  - Virtual Cards
  - Physical Cards
  - GraphQL
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.highnote.com/docs/issuing/get-started-issuing/issuing-overview
  baseURL: https://api.us.highnote.com/graphql
  properties:
  - url: https://docs.highnote.com/docs/issuing/get-started-issuing/issuing-overview
    type: Documentation
  - url: https://docs.highnote.com/docs/api-reference/mutation
    type: APIReference
  - url: graphql/highnote-graphql.md
    type: GraphQL
  - url: openapi/highnote-openapi.yml
    type: OpenAPI
  description: Create and configure card products (createCardProduct), issue virtual,
    physical, and tokenized digital payment cards (issuePaymentCardForApplication,
    createPhysicalCardGroupOrder), activate and close cards, push-provision to Apple
    Pay / Google Pay, and attach spend and velocity rules. Driven through the single
    GraphQL endpoint with Basic auth.
- aid: highnote:account-holders
  name: Highnote Account Holders API
  tags:
  - Account Holders
  - KYC
  - KYB
  - Applications
  - GraphQL
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.highnote.com/docs/api-reference/mutation
  baseURL: https://api.us.highnote.com/graphql
  properties:
  - url: https://docs.highnote.com/docs/developers/api/using-the-api
    type: Documentation
  - url: https://docs.highnote.com/docs/api-reference/object
    type: APIReference
  - url: graphql/highnote-graphql.md
    type: GraphQL
  - url: openapi/highnote-openapi.yml
    type: OpenAPI
  description: Onboard US person and US business account holders (createUSPersonAccountHolder,
    createUSBusinessAccountHolder), manage authorized users, submit and accept card
    product applications (createAccountHolderCardProductApplication), run KYC/KYB and
    identity-update flows, and query personAccountHolders / businessAccountHolders.
- aid: highnote:financial-accounts
  name: Highnote Financial Accounts API
  tags:
  - Financial Accounts
  - Ledger
  - Credit
  - Balances
  - GraphQL
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.highnote.com/docs/api-reference/object
  baseURL: https://api.us.highnote.com/graphql
  properties:
  - url: https://docs.highnote.com/docs/developers/api/using-the-api
    type: Documentation
  - url: https://docs.highnote.com/docs/api-reference/object
    type: APIReference
  - url: graphql/highnote-graphql.md
    type: GraphQL
  - url: openapi/highnote-openapi.yml
    type: OpenAPI
  description: Issue financial accounts against approved applications
    (issueFinancialAccountForApplication), assign payment cards to financial accounts,
    manage credit limits and on-demand funding, and read balances and the real-time
    ledger via the FinancialAccount object and its account relationships.
- aid: highnote:transactions
  name: Highnote Transactions API
  tags:
  - Authorizations
  - Transactions
  - Clearing
  - Disputes
  - GraphQL
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.highnote.com/docs/api-reference/query
  baseURL: https://api.us.highnote.com/graphql
  properties:
  - url: https://docs.highnote.com/docs/acquiring/about-acquiring
    type: Documentation
  - url: https://docs.highnote.com/docs/api-reference/object
    type: APIReference
  - url: graphql/highnote-graphql.md
    type: GraphQL
  - url: openapi/highnote-openapi.yml
    type: OpenAPI
  description: Authorize, capture, charge, and cancel payment transactions
    (authorizePaymentCard, capturePaymentTransaction, chargePaymentCard), handle
    incremental and force captures, initiate cardholder transaction disputes, and
    query paymentTransactions and transactionBatches with HQL search.
- aid: highnote:transfers
  name: Highnote Transfers API
  tags:
  - Transfers
  - ACH
  - Money Movement
  - Instant Payments
  - GraphQL
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.highnote.com/docs/api-reference/mutation
  baseURL: https://api.us.highnote.com/graphql
  properties:
  - url: https://docs.highnote.com/docs/developers/api/using-the-api
    type: Documentation
  - url: https://docs.highnote.com/docs/api-reference/mutation
    type: APIReference
  - url: graphql/highnote-graphql.md
    type: GraphQL
  - url: openapi/highnote-openapi.yml
    type: OpenAPI
  description: Move funds between financial accounts and external bank accounts via
    ACH, wire, and instant-payment rails (initiateTransferBetweenFinancialAccounts,
    initiateAchTransfer, initiateUnifiedFundsTransfer), link external bank accounts
    through Plaid/Finicity, and schedule one-time and recurring transfers.
- aid: highnote:collaborative-authorization
  name: Highnote Collaborative Authorization API
  tags:
  - Collaborative Authorization
  - Real-time Decisioning
  - Webhooks
  - GraphQL
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.highnote.com/docs/api-reference/mutation
  baseURL: https://api.us.highnote.com/graphql
  properties:
  - url: https://docs.highnote.com/docs/developers/api/using-the-api
    type: Documentation
  - url: https://docs.highnote.com/docs/api-reference/mutation
    type: APIReference
  - url: graphql/highnote-graphql.md
    type: GraphQL
  - url: openapi/highnote-openapi.yml
    type: OpenAPI
  description: Register and manage a collaborative-authorization endpoint
    (addCollaborativeAuthorizationEndpoint, activateCollaborativeAuthorizationEndpoint)
    so your service participates in real-time authorization decisions, returning
    approve or decline responses on each card authorization within the network
    timeout window.
- aid: highnote:webhooks
  name: Highnote Webhooks & Notifications API
  tags:
  - Webhooks
  - Notifications
  - Events
  - Subscriptions
  - GraphQL
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.highnote.com/docs/api-reference/mutation
  baseURL: https://api.us.highnote.com/graphql
  properties:
  - url: https://docs.highnote.com/docs/developers/api/using-the-api
    type: Documentation
  - url: https://docs.highnote.com/docs/api-reference/mutation
    type: APIReference
  - url: graphql/highnote-graphql.md
    type: GraphQL
  - url: openapi/highnote-openapi.yml
    type: OpenAPI
  description: Register HTTPS webhook notification targets (addWebhookNotificationTarget),
    activate and deactivate them, and subscribe to event types
    (addSubscriptionsToNotificationTarget) so Highnote pushes account, card,
    transaction, and transfer events to your systems. Events are also queryable via
    notificationEvents.
common:
- type: GitHubOrganization
  url: https://github.com/Highnote-Platform
- type: LinkedIn
  url: https://www.linkedin.com/company/highnote-platform
- type: Website
  url: https://highnote.com
- type: Documentation
  url: https://docs.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
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com