Highnote

Highnote provides a unified payments platform that enables companies to issue and manage card programs, accept payments, offer credit products, and move money across various rails. It serves businesses that need embedded finance solutions, including issuers, merchants, platforms, and vertical SaaS providers.

Highnote is listed with 1 API on the APIs.io network. Tagged areas include Issuing, Acquiring, Credit, Money Movement, and Embedded Finance.

The Highnote catalog on APIs.io includes 1 event-driven AsyncAPI specification, 1 JSON-LD context, and 1 Spectral governance ruleset.

Highnote’s developer surface includes authentication, support, pricing, changelog, engineering blog, API reference, getting-started guide, and 20 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

49.0/100 developing Agent 30/100 agent ready Full breakdown ↓
scored 2026-10-31 · rubric v0.25.0 · Show this score on your site →

1 API 1 Agent Skills

Issuing Acquiring Credit Money Movement Embedded Finance Spend ManagementFleetTravel

Kin Score

Kin Score How this is scored →
scored 2026-10-31 · rubric v0.25.0

Composite quality — 49.0/100 · developing

Contract Quality 6.3 / 21

Developer Ergonomics 8.4 / 17

Access Clarity 10.7 / 17

Operational Transparency 7.9 / 11

Contract Governance 2.2 / 10

Discoverability 5.8 / 9

Regulatory Posture 3.3 / 15

Agent readiness — 30/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 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

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 could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% 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
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
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)

7 more unmet checks in the Agent Readiness table above.

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

Contract Quality scores 29.5 — up to +17.6 composite points
Developer Ergonomics scores 49.4 — up to +10.1 composite points
Contract Governance scores 22.0 — up to +9.4 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/highnoteplatform-com/apis.yml: open an issue on github.com/api-evangelist/highnoteplatform-com 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 →

APIs 1

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

Highnote API

Highnote API as documented publicly: 2 operations. Contract generated from the documentation by API Evangelist (2026-10-22); not the provider's own document.

Agent Skills 1

Packaged agent skills for driving this provider's APIs from an AI assistant.

highnoteplatform-com-graphql-execute

AGENT SKILL

Pricing Plans 1

Published pricing tiers and plan structures.

Highnoteplatform Com Plans Pricing

4 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Highnoteplatform Com Rate Limits

5 limits

RATE LIMITS

Event Specifications 1

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

Highnoteplatform Com Webhooks

ASYNCAPI

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Highnoteplatform Com Context

2 classes · 3 properties

JSON-LD

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Highnote API Rules

13 rules · 11 errors 1 warnings 1 info

SPECTRAL

JSON Schema 2

Standalone JSON Schema definitions for this provider's data models.

PostGraphqlRequest

1 properties

JSON SCHEMA

PostGraphqlResponse

2 properties

JSON SCHEMA

Security Posture 2

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

Highnoteplatform Com Authentication

1 scheme

SECURITY

Highnoteplatform Com Domain Security

TLSv1.3 · DNSSEC · DMARC

SECURITY

Resources

Get Started 1

Portal, sign-up, and the first successful call

GettingStarted

GettingStarted

Documentation 2

Reference material describing how the API behaves

APIReference

APIReference

Documentation

Documentation

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

AgentSkill

AgentSkill

LLMsTxt

LLMsTxt

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

Spectral

JSONLD

Vocabulary

Webhooks

DataModel

Conventions

Conformance

Scroll for all 7

Access & Security 2

Authentication, authorization, and security posture

Authentication

Authentication

DomainSecurity

DomainSecurity

Operate 4

Status, limits, changes, and where to get help

RateLimits

Support

StatusPage

ChangeLog

Commercial 4

Pricing, plans, and the legal terms of use

Plans

TermsOfService

PrivacyPolicy

Pricing

Company 3

The organization behind the API

Newsroom

Newsroom

Blog

Blog

Website

Website

Other 2

Properties that don't map to a standard resource type

Hosts

Hosts

Vendors

Vendors

Source (apis.yml)

aid: highnoteplatform-com
name: Highnote
image: https://highnote.com/img/og/home-og.jpg
description: Highnote provides a unified payments platform that enables companies to issue and manage card programs, accept
  payments, offer credit products, and move money across various rails. It serves businesses that need embedded finance solutions,
  including issuers, merchants, platforms, and vertical SaaS providers.
url: https://raw.githubusercontent.com/api-evangelist/highnoteplatform-com/refs/heads/main/apis.yml
x-type: company
x-source: harvest:vc-portfolio
x-tier: profiled
x-tier-reason: enrichment pass 2026-10-22 (modular-v1; was harvest)
specificationVersion: '0.20'
created: '2026-10-22'
modified: '2026-10-22'
tags:
- Issuing
- Acquiring
- Credit
- Money Movement
- Embedded Finance
- Spend Management
- Fleet
- Travel
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: RateLimits
  url: rate-limits/highnoteplatform-com-rate-limits.yml
- type: Plans
  url: plans/highnoteplatform-com-plans-pricing.yml
- type: Spectral
  url: rules/highnoteplatform-com-rules.yml
- type: JSONLD
  url: json-ld/highnoteplatform-com-context.jsonld
- type: Vocabulary
  url: vocabulary/highnoteplatform-com-vocabulary.yml
- type: AgentSkill
  url: skills/_index.yml
- type: Webhooks
  url: asyncapi/highnoteplatform-com-webhooks.yml
- type: DataModel
  url: data-model/highnoteplatform-com-data-model.yml
- type: Conventions
  url: conventions/highnoteplatform-com-conventions.yml
- type: Authentication
  url: authentication/highnoteplatform-com-authentication.yml
- type: Conformance
  url: conformance/highnoteplatform-com-conformance.yml
- type: LLMsTxt
  url: llms/highnoteplatform-com-llms.txt
- type: Hosts
  url: hosts/highnoteplatform-com-hosts.yml
- type: Vendors
  url: vendors/highnoteplatform-com-vendors.yml
- type: TermsOfService
  url: https://highnote.com/agreements/terms
- type: Support
  url: https://support.highnote.com
- type: StatusPage
  url: https://status.highnote.com
- type: PrivacyPolicy
  url: https://highnote.com/agreements/privacy
- type: Pricing
  url: https://highnote.com/pricing
- type: Newsroom
  url: https://highnote.com/press
- type: ChangeLog
  url: https://docs.highnote.com/changelog
- type: Blog
  url: https://highnote.com/blog
- type: APIReference
  url: https://docs.highnote.com/docs/api-reference/query
- type: GettingStarted
  url: https://docs.highnote.com/docs/issuing/accounts/onboarding/application-denials
- type: Documentation
  url: https://docs.highnote.com/
- type: DomainSecurity
  url: security/highnoteplatform-com-domain-security.yml
- type: Website
  url: https://highnoteplatform.com
apis:
- aid: highnoteplatform-com:highnoteplatform-com-api
  name: Highnote API
  description: 'Highnote API as documented publicly: 2 operations. Contract generated from the documentation by API Evangelist
    (2026-10-22); not the provider''s own document.'
  humanURL: https://docs.highnote.com/docs/developers/api/using-the-api
  baseURL: https://api.us.test.highnoteplatform.com
  properties:
  - type: OpenAPI
    url: openapi/_ae-authored/highnoteplatform-com-openapi-generated.yml
    x-provenance: generated
  - type: JSONSchema
    url: json-schema/highnoteplatform-com-post-graphql-response-schema.json
  - type: JSONSchema
    url: json-schema/highnoteplatform-com-post-graphql-request-schema.json
x-backed-by:
- costanoa-ventures
x-enrichment:
  date: '2026-10-22'
  status: enriched
  artifacts_added: 24
  pass: modular-v1
  engine: identity=local,contract=local,surfaces=local,docs=local,regulatory=local

Highnote API — frequently asked questions

Does Highnote have an API?

Yes. APIs.io lists 1 API from Highnote, including Highnote 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 (1 scheme). The details are profiled on APIs.io as Highnoteplatform Com Authentication.

How much does the Highnote API cost?

APIs.io lists 4 pricing plans for Highnote, with each plan's price, limits and inclusions under Pricing Plans on this page.

Is the Highnote API ready for AI agents?

Highnote has a Kin Score of 49.0 out of 100 (developing) and an Agent Readiness score of 29.8 (agent-ready), scored by API Evangelist on 2026-10-31.

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