# Highnote

**Canonical:** https://apis.io/providers/highnote/  
**Website:** https://highnote.com  
**APIs profiled:** 7

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.

## Kin Score — 75.8 / 100 (exemplar)

Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.0 from 75.8).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 69.8 |
| Governance | 30.3 |
| Contract Governance | 30.3 |
| Operational Transparency | 71.1 |
| Developer Ergonomics | 78.0 |
| Commercial Clarity | 81.6 |
| Access Clarity | 81.6 |

Regulatory layer — **Payments**: 68.8 (matched via tags).

## Agent readiness — 44.7 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | documented |
| Error Semantics | documented |
| OpenAPI Examples | verified |
| Rate Limit Signal | documented |
| Event Surface Described | derived |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Enterprise · Self-serve signup — onboarding: self-serve, pricing: enterprise, trial: no (confidence: high).

## APIs (7)

- **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 ...

## MCP servers (1)

- **Highnote MCP Server** — No official Highnote-hosted MCP server was found (searched docs, npm @modelcontextprotocol, and public MCP registries as of 2026-07-23). This is a DERIVED candidate tool list — ...

## Agentic access (1)

- **Highnote Agentic Access** — 1 operation · 1 acting

## Security (2)

- **Highnote Authentication** — http · 1 scheme
- **Highnote Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC

## Plans (1)

- **Highnote Plans Pricing**

## Tags

Card Issuing, Card Acquiring, Embedded Finance, Banking as a Service, Fintech, Payments, GraphQL, Ledger, Credit, Money Movement, ACH, KYC, United States

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/highnote/). Scores are computed from the provider's own public artifacts under a published rubric.